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Your client didn’t get bad advice from SSA. They got no advice at all. SSA reps aren’t trying to be difficult. They’re simply not allowed to answer strategic questions like, “Should I file now or later?” That silence isn’t a service gap. It’s a legal limit. They are literally doing their job. So when an advisor hears, “We can’t advise,” what’s really happening is this: SSA reps are trained to list options, but not explain which one fits best. And sometimes this lack of guidance can lead to costl
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Your client didn’t get bad advice from SSA. They got no advice at al…
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