Just because clients can't pursue a file-and-suspend Social Security claiming strategy doesn't mean they don't have options.  

Bouquet Boulter, a Raymond James financial planner with Southside Bank in Tyler, Texas, helped her client understand that. The client, 64, was distressed because he had planned to use the popular file-and-suspend play, meaning he would file for and immediately suspend his Social Security benefits. This would enable his wife to claim spousal benefits while giving his own benefit the opportunity to grow 8% annually. 

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