A Fruitful Retirement: Social Security Benefit Taking your Social Security benefits at the right time may help maximize your benefit. Share | Related Content Tuning Your Social Security Benefit When should you take your Social Security benefit? What Is a Stretch IRA? If you have a traditional IRA, you may have the opportunity to extend its tax-deferred status across multiple generations. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.