The Social Security Decision That Follows You for Life

One decision, dozens of rules, and long‑lasting consequences—when you take Social Security matters more than most people realize. In this episode of The Retirement Project, certified financial planner Pat Schultz breaks down how Social Security fits into a modern retirement plan. He explores why claiming isn’t a one‑size‑fits‑all decision, how spousal benefits and continued work can affect timing, and why Social Security should never be considered in isolation. The conversation also touches on common misconceptions, the role of taxes, and how inflation and portfolio structure influence claiming strategies—highlighting the importance of viewing Social Security as one piece of a much bigger financial picture. For specialized guidance on a tax-smart retirement, visit  Harriman Hall Wealth to schedule a complimentary, no-obligation consultation with Pat and his team today. Call 585-348-0982 Monday through Friday or email them: [email protected] omnystudio.com/listener for privacy information.