About 10,000 baby boomers turn age 65 every single day in America. They face a series of complicated and difficult decisions about what they should do with their Social Security retirement benefits. Choose rashly, and they risk running out of money in the middle of retirement, but if they wait to decide until their 65th birthday, they may have already made some costly and irreversible mistakes.

Retirement-finance expert Bob Carlson, editor of the website Retirement Watch and chairman of the board of trustees of the Fairfax County Employees’ Retirement System, has created a concise guide to help them. This essential handbook explains how our current Social Security rules work, describes how to choose the optimum timing and form of payments, provides alternative strategies for claiming benefits, explains the many choices and decisions that married couples must make (including couples turning 65 in different years), and encourages baby boomers to review their options ahead of retirement so that they are fully prepared when it’s time.

For anyone approaching retirement, Where's My Money? is a must-hear guide to ensure you maximize your income, reduce your tax burden, protect your loved ones, avoid costly mistakes, and enjoy the retirement you have always dreamed of.