By front-loading withdrawals from 401(k) plans and individual retirement accounts until age 70 with a so-called bridge strategy, many Americans will be able to delay collecting Social Security benefits until they can claim the maximum.

Most Americans should employ a Social Security “bridge” using their retirement-plan assets to delay claiming until age 70, when benefits max out, according to new research that comes as the first wave of workers dependent on 401(k)s begins to retire.

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