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."

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