People are living increasingly longer with each generation. This means financial planning is required to maintain sufficient income to live comfortably for several decades in retirement. But when approaching retirement, financial decisions such as when to apply for Social Security can be overwhelming. The decision of whether to apply at age 62, 70, or any age in between, is a personal decision dependent on available income streams and assets, the health of you and your spouse, family history, other investments, and various tax consequences. As soon as you start to consider retirement, or are in your early 60s, you should start investigating your Social Security options. With several factors bearing on the decision, investing in an hour or two of legal advice will help optimize your financial situation for the future, and not inadvertently leave money on the table.