If you walk into a massive financial powerhouse or a big bank, they might give you a “cookie-cutter” plan that suggests claiming early and investing the proceeds. They’ll show you a spreadsheet suggesting that if you earn 6% or 7% in the market, you’ll “break even” sooner.
But here is what they often miss: Taxes and Sequence of Returns Risk.
When you claim at 62 and invest that money in a taxable account, you are paying taxes on the benefit and taxes on the growth. Furthermore, if the market has a downturn in those early years, your “break-even” math falls apart.
Working with a Fiduciary Registered Investment Adviser means having someone who looks at the net result: what you actually get to keep after Uncle Sam takes his cut.
Integrating Strategy with Your Hill Country Lifestyle
Waiting until 70 isn’t just about the numbers; it’s about the freedom it provides. Imagine entering your 70s knowing that a significant portion of your fixed costs: the property taxes on your Hill Country estate, the club dues, the travel budget: is covered by a government-indexed check that will never run out.
This peace of mind allows you to take more controlled risks with your private equity holdings, your real estate investments, or your charitable legacy. It shifts the conversation from “Do we have enough?” to “How much can we do?”
Questions for Your Next Strategy Session:
How do my 2026 RMDs interact with my Social Security claiming age?
Are we utilizing the “bridge years” for Roth conversions to minimize future tax liabilities?
Does our current risk modeling account for the guaranteed income floor of a maximized Social Security benefit?
At Portafolio Capital Management dba Mau Sanchez Capital, we specialize in these nuances. We don’t just manage portfolios; we transform retirements by taking back control of the timeline.
Portafolio Capital Management dba Mau Sanchez Capital is a Registered Investment Adviser. This content is for informational purposes only and does not constitute investment advice or a solicitation to buy or sell any security. Advisory services are provided only pursuant to a written advisory agreement.
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