We (wife and I) went to an advisor when starting on Social Security. Sure there are some in your area, and most (at least ours) do not charge a fee. The one we went to advised which had the best rx coverage, and other things that would have been very difficult to find on our own. Was well worth the time and very happy we did! I did the math, on taking SS later, but figured it wasn't worth the wait--would have taken many years before I would have broken even and started to actually make more. And those years, I could put the money to use, and maybe even make more on it (which I have). You may wish to find an advisor in your area, a good one can provide info you might not find otherwise.