Peg Eddy, a founder of San Diego-based Creative Capital Management, joins the ranks of others advisors who stress spouses should coordinate when they “trot down” to their local Social Security agency branch to make sure they’ve calculated a schedule accurately and most cost effectively.

Here’s the example, Eddy wants them to consider: Both spouses in a couple worked and earned Social Security credits, each in their own accounts. Both plan to defer seeking Social Security benefits until they reach 70 so they may each earn the 8% annual return the government promises to those who wait.

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