Key Points Don't take withdrawals without a plan. Don't unload too much risk. Don't forget about the importance of cash. The $23,760 Social Security bonus most retirees completely overlook › If you're gearing up to retire in 2026, you may be spending the next few months counting down happily in your head. Hopefully, though, you'll be doing a lot of financial planning as well. It's important to decide when to claim Social Security ahead of retirement so you choose the filing age that works for yo ...