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money and social security card Relying on financial advisers to tell you what to do may be a mistake— often, the ideal claiming decision would cause a clients’ investment account balance to drop in the near term, squeezing a source of revenue for financial firms. (Photo: Shutterstock)

(Bloomberg) –Almost all American retirees claim Social Security at the wrong time, a new report estimates, which means they will miss out on a collective $3.4 trillion in benefits before they die.

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