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Subject:  Re: 401k withdrawal taxes at retiremtent Date:  7/9/2013  1:58 PM
Author:  vkg Number:  118821 of 127616

The following I have read. We aren't yet to the point of drawing Social Security, so I haven't personally verified that it is true.

There is an option to restrict Social Security benefits to the benefits of a spouse. The "primary" spouse Social Security benefits are started and immediatly suspended. This allows the spouse to draw benefits, while the Social Security benefits continue to increase.

One or both spouses starts and suspends their Social Security, and then only spousal benefits are drawn. Benefits can be converted to you own at any time. Depending on your wife's age, you might be able to draw some Social Security between 66 and 70, while still accuring the maximum benefit at 70.
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