I’m looking for financial advisors, benefits experts and academics with tips on managing Social Security benefits. I want to zero in on the person who wants to delay the start of benefits to, say, 70, to get more, but will earn less during the delay. Am I right that the SSA’s projection of an individual’s future benefit assumes income stays about the same until benefits start? What happens if your income falls because you’ve downshifted? How do you calculate the effect of this on your future benefit? Generally, what do you need to take into account in deciding if downshifting makes sense? How does one decide, for instance, whether it pays to postpone Social Security if that means tapping investments? What else should I be asking? Requirements: I prefer responses by email containing usable content and quotes, and because I get a lot I almost never use ones that merely offer a source for interview. Please include the source’s contact info, full name, title, firm and location (which is often hard to find online).