One of the things I love most about working at Financial Finesse is the privilege of working with some of the best financial planners in the nation. My Floridian colleague, Mark Dennis, is near the top of that list. Not only is he a master fisherman with a hilarious wit about him, he’s in the final stages of earning his Ph.D and writing a dissertation exploring the factors that affect when people choose to take Social Security. In other words, he’s much smarter than me. This week, I’m sharing some of Mark’s wisdom with this guest post on a topic that comes up more and more in our helpline calls.