Planning to Claim Social Security at 65? You May Need to Rethink That

Retiring at or around 65 -- and subsequently claiming Social Security benefits -- is as much a rite of passage as anything in America. In reality, Social Security is one of three main sources of income in retirement, joining pension income and cash flow from personal savings. Given a number of grim facts for retirees, including a dwindling Social Security trust fund, a rising full retirement age, and scarcely found stable pension plans, assuming that you'll be able to rely on benefits at 65 is a tenuous proposition.