A lot of people get worried when they see their Social Security benefits reduced when collecting before full retirement age AND working—but here's what they miss: those withheld benefits are paid back over time once you stop working or reach Full Retirement Age (FRA)

Plus, understanding your statement can help you make smarter choices. Tip: Create your account at SSA.gov and check your numbers at 62, FRA, and 70 to make sure they are accurate.

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The Clark Group Asset Management is a registered investment adviser. The information discussed in these videos should NOT be taken as tax, legal, or investment advice. Please consult the appropriate professionals for each topic.