10/15/2026
Zach Williams asked us to imagine him handing each of us a $182,000 check as we walked out the door. That is about what a poorly timed Social Security claim costs, according to a study by the Federal Reserve Bank of Atlanta that he cited.
Zach, a partner and wealth advisor at Fairway Financial Partners, helps retirees and those nearing retirement turn their savings into a paycheck, and he walked the Rotary Club of Newnan through the most important decisions. By his math, Social Security adds up to about a million dollars over a married couple's lifetime, and a couple can claim it in 9,000 different ways. Claim at 62 and the check is permanently up to 30% smaller, but wait past full retirement age, and it grows 8% a year until 70.
His advice was to start with your goals and plan Social Security alongside everything else you have saved, because the Social Security office will process your choice but won't coordinate it with your 401(k) or IRA.
Thank you, Zach!