Fifteen years ago, most financial institutions weren't interested in the opportunity to counsel clients on Social Security start-date decisions. This service was considered "too downscale."

Now, as millions of boomers hit the retirement trail two recessions later, these same institutions are rushing headlong to offer Social Security calculators and "claiming strategies."

In March, T. Rowe Price joined the stampede by introducing a Security Benefits Evaluator, which you can evaluate here:

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