Retirement·9 min read·
When to Claim Social Security: The Math Behind Your Hudson Valley Roth Conversion Window
Filing for Social Security at 62 instead of 67 cuts your monthly benefit by roughly 30%, but it also opens up five extra years of low-income conversion runway. For Hudson Valley retirees running a Roth conversion ladder, the claim decision changes the math more than most realize.
Written by Peter Guggisberg, Financial Services Representative with Vermont Financial Group of NY (a MassMutual general agency) and the advisor behind Noah's Ark Financial.