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the terminology that you hear a lot is maximizing your social security benefits how do you maximize and get the most well you know we can look just at the math and we can make some decisions based on what is the maximum amount but what is more important is is having optimized retirement income and that comes through a comprehensive retirement income plan if you think of your social security as kind of one separate thing all by itself and then you think of any other assets that you might have or your home and these other things all separate of each other thats a mistake its really in the optimizing and the coordinating of all these things including taxes that really is going to give you the most income sustainable over your retirement