Photo of Angel Oak in Charleston, SC. Social Security Advisors Runey & Associates Wealth Management.

Social Security Advisors in Charleston, SC


The number one question we get is, “When do you think I should take Social Security?”

The answer depends on your personal circumstances, and there is much to consider. Many couples seem anxious to take Social Security and start receiving a check.

Yes, yes. We have read the headlines too about Social Security being in trouble, so should you get your money now, while you can – “Not so fast.

The following strategy is one that may be great for you, and many people are unaware of how it works:

When One Spouse Will Get a Much Bigger Benefit Than the Other

When one spouse is on track for a much bigger benefit, that spouse may take a large step in protecting the surviving spouse by delaying Social Security until 70 to maximize the total household benefit.

  • The real advantage of waiting is protecting the surviving spouse in the later years of life.
  • Should the high-earner predecease the lower-earner, the low-earner will lose his/her benefit, but will get the much higher, high-earner’s benefit instead.

Rather than delaying benefits unnecessarily, the lower-earning spouse could choose to start taking benefits early — claiming on their own work record – to bring in some extra money for the household.

When the higher-earning spouse applies for benefits, the Social Security Administration will automatically switch the lower-earning spouse over to their spousal benefit, if it is higher than their own benefit, while the higher-earner collects their maximum benefit.

Want to find out how you can get the most out of Social Security for your circumstance? Schedule your no cost consultation now.

Free Financial Advisor Consultations in Charleston / Mount Pleasant, SC with Runey & Associates Wealth Management.



Fiduciary Financial Advisor in Charleston / Mount Pleasant, SC. Runey & Associates Wealth Management.


Office of Financial Advisor Runey & Associates Wealth Management in Mount Pleasant, SC.


When you work with Runey & Associates, you have a team of experts to help you make wise decisions and address all areas that affect your financial health.

Our services help you reach your goals by providing regular meetings, keeping you informed on industry and tax law changes, explaining the ‘noise’ of the financial media, monitoring progress towards your goals, and working with your existing professionals.

How We Charge

Premier Program

Investment Management Through Comprehensive Financial Planning

Assets Under ManagementAnnual Fee
Up to $1M1.25%
$1M to $3M1.00%
$3M to $5M0.75%
$5M +0.50%


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