Some people say that one of the biggest decisions a retiree can make is deciding on when is the right time to draw social security. In my opinion, this is in fact, the most important decision you would make going into retirement.
I remember sitting down with Alma like it was yesterday. We went through all of her 401k statements and the additional money she had saved for retirement. I went back to my office and begun to input the numbers into my retirement planning software.