If you plan on working through your retirement, you should be aware that you may not get the full retirement benefits until later down the line. Claiming Social Security while you’re still working may cause your benefits to be withheld until you enter full retirement. This happens because of the Social Security Earnings Test – a system that limits your benefits if your paid employment earnings exceed certain thresholds.

The good news is that once you reach full retirement age, the amounts that were withheld due to the earnings test will be returned to you in future payments. If you want to know more, check out this link! And, of course, if you have any further questions, don’t hesitate to reach out to me.