Unlike investments that can lose value when the market drops, Social Security provides guaranteed income that adjusts for inflation and generally lasts as long as you live. That means they rely on Social Security for a longer period, making the decision of when to start benefits especially important. Your Social Security benefit depends on your 35 highest-earning years. Given the complexity of Social Security rules, the unique retirement challenges women face and the lasting impact of claiming decisions, working with a qualified financial advisor can be invaluable. An advisor can help you navigate questions about timing, spousal benefits and how Social Security fits into your overall retirement plan.