How Married Couples Can Max Out Their Social Security

What's a simple strategy for married couples looking to optimize their Social Security benefits? Ever since Congress changed the rules in late 2015 that apply to married couples, many people have been asking for a simple rule of thumb. So here it is:

Find an online Social Security calculator or qualified retirement advisor who can help you figure the best strategy. The fact is, no one easy rule applies in all situations.
However, popular Social Security calculators can make some general conclusions that apply in many situations. For example, Financial Engines, the large retirement advisory firm, recently updated its free, online Social Security calculator to accommodate the new rules. It's easy to use: Answer a few questions about yourself and your spouse, and it offers recommendations for optimizing your benefits.

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