When to elect Social Security may be the most important decision a couple makes about their retirement. In fact, the difference between the best and worst Social Security election decision can be tens of thousands of dollars over a lifetime of benefits.

This is critical when you consider how important Social Security income is to the average retired couple. Social Security benefits in 2008 accounted for on average 64.8% of total income for recipient households with someone aged 65 or older, according to a SSA report, Income of the Population 55 or Older, released in 2008.* Social Security is the hard earned money you have paid into the system over many, many years. Why would you not want to get it back in the most advantageous way, for your situation, during your life after work!

The only way to truly plan for the Optimal Social Security Strategy is to utilize advanced Social Security Timing Software, which evaluates the hundreds of possible filing combinations across 9 different election strategies to find the highest lifetime benefit.

Teresa Davila is able to provide both advanced Social Security planning and access to Dr. William Reichenstein's sophisticated Social Security Analyzer program after going through advanced training with the National Social Security Association and Social Security Solutions.