When retirees ask whether they should withdraw from their 401(k) or take Social Security, they will get a mountain of uninformed and sometimes terrible financial advice. Most advisors’ tools are not equipped to provide an accurate answer to this question. If advisors understand the question, most give ballpark estimates. Frankly, many individuals don’t know they should even ask the question. Listen to fully understand how there is so much more to Social Security decisions than a simple break even of total benefits received.