--- title: "ThinkAdvisor: Covisum's advisor and quant discuss how to help married couples maximize their social security benefits" description: In an ongoing series exclusive to ThinkAdvisor, Joe Elsasser, CFP® and Ron Piccinini, PhD provide readers with two distinct perspectives on the same topic. This week they discuss how a married couples should decide when to claim Social Security. image: https://www.covisum.com/hubfs/think-advisor-logo-blog.jpg --- [Login](https://www.covisum.com/login-experience) | [Call: 402-235-4500](tel:1-402-235-4500) | [Contact Us](https://www.covisum.com/contact) ** [![covisum-logo](https://www.covisum.com/hs-fs/hubfs/covisum-logo.png?width=264&height=41&name=covisum-logo.png "covisum-logo")](https://www.covisum.com/) [![Start Your Free Trial](https://no-cache.hubspot.com/cta/default/2755909/b23743cd-d0df-4907-a66d-293b58ab1164.png)](https://cta-redirect.hubspot.com/cta/redirect/2755909/b23743cd-d0df-4907-a66d-293b58ab1164) [![Contact Us](https://no-cache.hubspot.com/cta/default/2755909/6c6d7fe7-e094-4fc0-9c82-d93d4ccbb532.png)](https://cta-redirect.hubspot.com/cta/redirect/2755909/6c6d7fe7-e094-4fc0-9c82-d93d4ccbb532) # ThinkAdvisor: Covisum's advisor and quant discuss how to help married couples maximize their social security benefits [IN THE NEWS  |  ](https://www.covisum.com/blog/topic/in-the-news)5/8/18 2:17 PM  |  by [Lauren Laferla, Director of Communications](https://www.covisum.com/blog/author/lauren-laferla-pr-content-marketing-manager) ![Think-Advisor-Logo-Color](https://www.covisum.com/hs-fs/hubfs/Logos/Think-Advisor-Logo-Color.png?width=600&name=Think-Advisor-Logo-Color.png) In an ongoing series exclusive to ThinkAdvisor, Joe Elsasser, CFP® and Ron Piccinini, PhD provide readers with two distinct perspectives on the same topic. Check out the most recent installment, ["Social Security Timing: What couples should consider."](https://www.thinkadvisor.com/2018/05/08/social-security-timing-what-couples-should-conside/) In this edition, we asked both Joe and Ron how a married couple should decide when to claim Social Security. Joe's response included: > "For most clients, identifying the optimal solution “in a vacuum” and without regard to the rest of the financial plan is the first step to quantifying the value of the decision and understanding its importance." And Ron's response included: > "There are four key variables to take into account for which forecasts and assumptions have to be made. As it is often the case with financial advice, ultimately the ‘correct’ answer depends on the utility of the client." See the full response from both Joe and Ron in *[ThinkAdvisor](https://www.thinkadvisor.com/2018/05/08/social-security-timing-what-couples-should-conside/). * ### Share this article [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fwww.covisum.com%2Fblog%2Fadvisor-and-quant-discuss-how-to-help-married-couples-maximize-their-ss-benefits%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.covisum.com%2Fblog%2Fadvisor-and-quant-discuss-how-to-help-married-couples-maximize-their-ss-benefits%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fwww.covisum.com%2Fblog%2Fadvisor-and-quant-discuss-how-to-help-married-couples-maximize-their-ss-benefits%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.covisum.com%2Fblog%2Fadvisor-and-quant-discuss-how-to-help-married-couples-maximize-their-ss-benefits%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=ThinkAdvisor%3A%20Covisum%27s%20advisor%20and%20quant%20discuss%20how%20to%20help%20married%20couples%20maximize%20their%20social%20security%20benefits) ## Related Blog Articles [ ### In The News ThinkAdvisor: Covisum's advisor and quant discuss how to manage sequence of returns risk in retirement planning Read ](https://www.covisum.com/blog/thinkadvisor-advisor-and-quant-discuss-how-to-manage-sequence-of-returns-risk-in-retirement) [ ### In The News ThinkAdvisor: Covisum's advisor and quant discuss how to plan for health care costs in retirement Read ](https://www.covisum.com/blog/thinkadvisor-covisums-advisor-and-quant-discuss-how-to-plan-for-health-care-costs-in-retirement) [ ### In The News Charting the retirement course on Covisum's Tax Map Read ](https://www.covisum.com/blog/charting-the-retirement-course-on-covisums-tax-map) [See All Articles](https://www.covisum.com/blog) ## Covisum’s ecosystem of solutions can help you grow. 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