4 Hidden Social Security Strategies Most People Miss

Most people think Social Security is simple: you work, you retire, you collect. But the truth is, there are hidden strategies that could mean tens of thousands more dollars in lifetime benefits, and most retirees never take advantage of them.

In this video, Andrew Rafal, founder of Bayntree Wealth Advisors, breaks down 4 often-overlooked Social Security strategies that can help you get more from your benefits.

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Here’s what you’ll learn:

✅ How to maximize your Social Security spousal benefits, even if you didn’t work or if you’re divorced.

✅ Why timing your benefits isn’t just about claiming early or waiting until 70, and how a blended strategy can increase lifetime income.

✅ How to plan ahead with Survivor Benefits so your spouse is financially protected if something happens to you.

✅ What the Social Security Earnings Test really means and how to avoid unnecessary reductions while still working.

✅ How these strategies work together to help you get the most from Social Security and create a smarter retirement plan.