Scenario: Jason and Kristen, both age 62, are married and each have earned enough credits to fully qualify for Social Security benefits. Both have full retirement age (FRA) of 66 2 mo. Jason's Social Security Statement estimates that he will be entitled to $2,400 per month in benefits at FRA while Kristen's Social Security statement estimates that she will be entitled to $1,000 per month in benefits. They have provided you with the additional information:

• Jason would like to retire now-if possible-but Kristen doesn't mind working longer if needed
• They do not have sufficient savings for retirement after having just finishing getting their last child through school (but now are maximizing 401(k) contributions and catching up, but it will take a few years)
• They are both in fairly good health and have strong family health histories

Question: They come to you as their planner and ask when they should begin taking Social Security. When do you recommend that Jason and Kristen begin filing for their retirement and/or spousal benefits? Why? Please list any assumptions you make to justify your recommendations/strategies.