Approaching the retirement years, there is no shortage of planning decisions. There is estate planning and asset protection, there's Medicare planning for health insurance, and there are decisions about distributions from retirement accounts. But one type of planning that all Americans have in common involves the decision to start taking Social Security retirement income. It may seem like a straightforward question -- when do I start taking Social Security and how much will it be? There are, however, many variables that come into play. How long do you intend to work? Do you have a pension? What is your health history? Matt Sheraw of Conte Wealth Advisors explains how he learns about a person's life to navigate through the maze of questions that must be answered when it comes to taking Social Security retirement income.

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