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Complete a capital needs analysis, a capital preservation analysis, and a capital depletion analysis for the Ruizs. Discuss the social security strategies for the Ruizs,

Complete a capital needs analysis, a capital preservation analysis, and a capital depletion analysis for the Ruizs.
Discuss the social security strategies for the Ruizs, covering optimal filing times for SSI, withdrawal strategies, breakeven points comparing early versus waiting until full retirement age, and the potential impact on their retirement income if social security benefits were reduced by 25%.

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