The age at which an individual chooses to start Social Security retirement benefits can be arguably the most significant factor in his or her ability to maintain financial security throughout retirement. [S]ome ... believe the client should maximize years of payments from Social Security, whereas others focus exclusively on a present-value break-even age, or money's worth, analysis.... [T]he authors ... propose ... a comprehensive decision model that accounts for the net present value, longevity risk and Social Security legal strategies in properly framing the solution.