When it comes to collecting Social Security, the conventional wisdom is clear:

Wait. The longer you delay claiming Social Security, the larger your monthly check will be.

While that’s true, it’s not the whole story. Financial advisers say there are some good reasons why starting benefits at 62 can be a smart move.

“Obviously, this is a very important decision for our clients,” said David Root Jr., CEO of DBR & Co., Downtown. “It’s a calculation that’s frequently emotional and fraught with both short- and long-term consequences.”

Deciding when to claim Social Security is a financial choice in which deeply personal factors collide with hard numbers.

A worker who claims benefits at 62 — the earliest possible age — takes a roughly 30% permanent reduction in monthly income compared to wait

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