· If you file a federal tax return as an individual and your combined annual income is between $25,000 and $34,000, you might have to pay income tax on up to 50% of your benefits.

· If your income is more than $34,000, up to 85% of your benefits might be taxable.

· If you file a joint return and you and your spouse have a combined income of between $32,000 and $44,000, you might have to pay income tax on up to 50% of your benefits.

· If you earn more than $44,000, up to 85% of your benefits may be taxable.

· Keep Your Income Down

· Withdraw from Tax-Free Roth

· Withdraw from Retirement Accounts Before Signing Up for Social Security

Buy a Qualified Longevity Annuity Contract

Steer Clear of Municipal Bonds