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This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)
Social Security benefits start at age 62 ？ or you can wait until age 70 ？. Have you ever thought about which benefit start age is right for you? ？

When considering retirement in the U.S., Social Security （ Social Security benefits ） is likely a major concern for many people. You can start receiving benefits as early as age 62, or you can wait until age 70 to increase your monthly benefit amount. However, I imagine many people are unsure about the best age to start receiving benefits.

In my conversations with many people over the years, I’ve received questions such as, “I heard it’s better to wait until age 70,” “Won’t I lose out if I don’t start receiving benefits early?” and “For married couples, which spouse should start receiving benefits first?”

It’s true that delaying the start of your Social Security benefits increases your monthly payment. However, waiting until age 70 isn’t necessarily the best choice for everyone.

For example, the situation differs when considering the best age to start receiving benefits for someone who plans to retire at age 65 versus someone who plans to work until age 70. Additionally, the approach varies depending on whether you have sufficient retirement savings or rely on Social Security to cover your monthly living expenses.

Furthermore, the situation becomes a bit more complicated for married couples. This is because not only your own benefit amount but also spousal benefits （ Spousal Benefit ） and survivor benefits （ Survivor Benefit ）—which are paid if one of you passes away—come into play.

For example, if the higher-earning spouse in a couple delays starting to receive benefits, this may affect future survivor benefits. On the other hand, there is also the issue of where to secure the money for living expenses while delaying receipt of benefits.

In other words, when it comes to Social Security, it’s not just a matter of “at what age should I start receiving benefits to get the most ？ ”—it’s important to consider your own and your family’s circumstances, as well as your overall retirement plan.

[We also handle consultations such as these]

・ You’re unsure whether to start receiving Social Security at age 62 or wait until age 70
・ Depending on your benefit start age,
・ I’d like to know how much my monthly benefit amount will change
・ I’d like to discuss how each spouse should determine their benefit start age
・ If I have been divorced, I would like to confirm whether I am eligible for benefits based on my former spouse’s record
・ I would like to plan my post-retirement income by combining Social Security, a 401(k), IRAs, annuities, and other options to plan for my post-retirement income

[About Personalized Social Security Analyses]

I am a certified RSSA （ Registered Social Security Analyst ） and provide personalized analyses regarding Social Security benefits and assistance with retirement planning.

In a personalized analysis, I not only compare the differences in monthly benefit amounts based on the age at which you start receiving benefits, but I also review your marital history, your spouse’s eligibility for benefits, and your future employment plans to help you understand what options are available to you.

Furthermore, Social Security is only a portion of your retirement income. For example, if you delay claiming benefits until age 70, you may need to draw on your 401(k) or IRA to cover living expenses in the meantime. Conversely, if you start receiving benefits early, you’ll need to consider how the lower monthly benefit amount will affect your future living expenses.

For this reason, we believe it’s important not to consider Social Security in isolation, but to assess the overall balance by including other retirement assets and income sources.

Of course, just because you’ve received a personalized analysis doesn’t mean you have to sign up for any new financial products. I believe it’s important to first understand the system and your options so that you can make a decision you feel confident about.

[Consultant Profile]

Takeshi Yashima （）

Majored in Finance at the University of Wisconsin–Madison. While working at a Japanese company for about 10 years, he gained experience in real estate and precious metals investments starting around 2010, learning about wealth building and finance. He began his career in the financial industry in 2013 and has been providing financial services related to life insurance, annuities, and retirement planning for over 13 years. In addition, I obtained the RSSA （ Registered Social Security Analyst ） certification in March 2026 and am deepening my specialized knowledge of the Social Security benefits system. I place great importance on financial education—not just introducing financial products, but ensuring clients understand how they work so they can make informed, confident choices.

[Your first one-on-one consultation is free]

“I don’t know at what age I should start receiving Social Security benefits”
“My spouse and I want to discuss our retirement ages together.”
“It’s time to start thinking concretely about my monthly income after retirement.”

If any of this applies to you, please feel free to contact us.

Consultations are available in Japanese. We offer both in-person ・ and online （ via Zoom ） options. During the initial consultation, we’ll discuss your current situation and answer your questions, and if necessary, we’ll guide you through a detailed personalized analysis.

For many people, Social Security is a vital source of income that supports their lifestyle after retirement. That is precisely why we believe it is important for you to understand your options before you start receiving benefits and to make a decision only after you are fully satisfied with your understanding.

八島健 Financial Consultant / Registered Social Security Analyst®
17800 Castleton Street Suite 600, City of Industry, California, 91748 US
+1 (847) 736-6744

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