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Social Security cards (Photo: Shutterstock)

If I asked someone whether they would rather have $100 guaranteed today or $120 non-guaranteed tomorrow, what would their response be? Most likely the former, because guaranteed money is better than non-guaranteed. This is the basic principle behind my stance on taking Social Security as soon as you retire.

Especially now, the fate of Social Security is in jeopardy. President Donald Trump recently issued an executive order to defer payroll taxes for the rest of this year and, possibly, indefinitely. This adds yet another hurdle to the already challenging task of timing clients’ Social Security benefits.

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