The money’s there, but when do I take it?

To delay or not to delay? That is the question.

At least that’s the question a lot of baby boomers are asking themselves and their financial advisors these days as they try to decide when to begin taking their Social Security benefits.

Anyone who has paid into Social Security over the years can begin to receive those benefits in their 62nd year. But triggering the payments at 62 means accepting a lower monthly amount than one would receive at the “full” retirement age of 66. Then again, by waiting until age 70 to dip into the Social Security pot, you…