Investing for a 68-Year-Old
At age 68, two more years of Social Security delay credits remain, each adding 8% to your eventual benefit. Claiming at 70 versus 68 increases the monthly payment by roughly 16%. Required minimum distributions begin at 73 (born 1951-1959) or 75 (born 1960 or later), so tax-deferred accounts still have five to seven more years to compound. Review your Roth conversion runway: converting in years before RMDs begin can reduce future taxable distributions and potentially lower Medicare Part B and D income-related premium surcharges.