The age you claim Social Security locks in for life. It's worth getting right — with someone who's already made that decision himself.

Whether to claim at 62, at full retirement age, or wait until 70 depends on your FERS pension, your TSP balance, your health, and your household — not a one-size-fits-all rule of thumb.

Danilo Williams retired after 25 years serving in the U.S. Army and the FAA, and made his own Social Security claiming decision before spending 16+ years in the insurance industry helping others think through theirs.

What a Social Security Consultation Covers

How your FERS pension changes the math on claiming early versus waiting, how a spouse's benefits factor into the decision, and how your claiming age fits your overall retirement income picture.

Why It Helps to Talk to Someone Who's Already Retired

This isn't a decision Danilo only advises on — it's one he made for himself. That firsthand perspective shapes how he walks you through your own choice.