Social Security question/ help please if you know

I think a lot of the experts assume we'll live to the max life expectancy and base decisions on that. But for many of us, that's not reality. My "money guy" (financial advisor) has been great at helping me plan for MY future rather than a generic "average" or "max" future. There are many things that make my future extremely different from the average future and planning for that average would hurt me more than not planning at all.