A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents Tuning Your Social Security Benefit When should you take your Social Security benefit? Split Annuity Strategy Here's one strategy that combines two different annuities to generate income and rebuild principal. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.