At 63, Mark Bintzler is counting down the months to a long-anticipated retirement.

"We like to play golf. We like, you know, want to do all the activities. And the other thing I didn't want to do is, I'm not going to retire from one job to work at another. I was going to be retired," said Bintzler, a resident of Woodbury, Minnesota.

Bintzler plans to start taking Social Security at 65, but like many nearing retirement, he's wrestled with the timing.

Should you take benefits early at 62, wait for full retirement, or hold off until 70 to maximize the payout? That's the question wealth advisor Brian Muller hears every day. He's the founder of Momentous Wealth Advisors.

"A lot of people just kind of make the decision, well, because what their neighbor said, or what their friend is doin

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