Millions of baby boomers are set to retire at some point over the next 20 years, and many of them will rely on Social Security as an important source of retirement income.

As you approach retirement, you want to understand how Social Security works. But navigating through the maze of options and possibilities can be a daunting, if not overwhelming, task.

  • How much can you expect to receive from Social Security?
  • When should you start taking retirement benefits?
  • How do your benefits coordinate with your spouse’s?

The answers to questions like these are certainly based on your individual situation, but finding a route that works for you begins with knowing the basics – the 8 most important elements of Social Security.

The information provided is based on current laws, which are subject to change at any time. Lucia Capital Group is not affiliated with or endorsed by the Social Security Administration or any government agency.

Social Security rules can be complex. For more information about Social Security benefits, visit the SSA website at, or call (800) 772-1213 to speak with an SSA representative.