"because of when Soc. Sec. kicks in for people my age)"^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^66 is the age for "full" Social Security but I understand you have the option of a reduced payment still at 62 - and you have the option of collecting a higher payment if waiting until age 70.Financial advisers tend to recommend waiting.Folks who tend to read the obituaries tend to recommend sooner.Howie52A $12 annual charge is not extreme - you figure the reportingneeds for an account would run about that amount.
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