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For decades, Social Security has been one of the cornerstones of retirement income in America. If you’re like most people, you’ve been paying into the system for your entire working life and are expecting it to provide a meaningful portion of your income once you stop working.

There are a variety of beneficial retirement funds that you can consider depending on your risk tolerance, your income, the time you have left until you retire, and how you hope to spend your retirement. There is no one right way to invest in retirement as everyone’s circumstances are different.

Ask ten people whether hiring a financial advisor is “worth it,” and you’ll likely hear ten different answers. Some will point to the cost, others to the potential for better returns—but ultimately, it’s a decision that feels as personal as your money itself.

As you approach retirement, one of the most impactful decisions you’ll make is when to start taking Social Security benefits. This single choice can dramatically shape the quality of your retirement—sometimes by hundreds of thousands of dollars.