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2 Strategies for Maximizing Social Security

'Restricted application' and 'file and suspend' are two techniques spouses can employ to ensure they get the most out of their Social Security benefits, says Michael Kitces of Pinnacle Advisory Group.

Christine Benz: Hi, I am Christine Benz for The timing for a retiree's receipt of Social Security benefits can have a big impact on his or her lifetime benefit, and that's particularly true for married couples.

Joining me to discuss some research in this area is Michael Kitces. He is a partner and director of research at Pinnacle Advisory Group. Michael, thank you so much for coming in.