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Retiree-Friendly Flexible Careers: Best Part-Time Jobs After Retirement

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August 12, 2026

Retiree-Friendly Flexible Careers: Best Part-Time Jobs After Retirement

Retirement doesn’t always mean stopping work completely. Many retirees choose part-time jobs for seniors to supplement retirement income, stay socially active, pursue an interest, or maintain a sense of purpose without returning to a traditional full-time schedule.

The best jobs for retirees tend to offer flexible hours, manageable physical demands, predictable schedules, and the ability to use skills developed over a lifetime.

Best Jobs for Retirees

Job	Flexibility	Physical Demand	Best For
Substitute teacher	High	Low–Moderate	Former educators
Tax preparer	High	Low	Finance-minded retirees
Consultant	Very High	Low	Experienced professionals
Museum docent	High	Low–Moderate	Social, cultural interests
School crossing guard	Moderate	Moderate	Outdoor work
Golf course marshal	Moderate	Low–Moderate	Golf enthusiasts
Retail greeter	Moderate	Low	Social interaction
Tutor	Very High	Low	Subject experts
Bookkeeper	High	Low	Accounting experience
SCORE mentor	Very High	Low	Business professionals
Receptionist	Moderate	Low	Predictable part-time work
Tour guide	Moderate	Moderate	Local/history enthusiasts

Why Work After Retirement?

There are many reasons someone may want work in retirement in the USA.

Supplemental Income

Part-time work can provide additional money for everyday expenses, travel, hobbies, or discretionary spending.

Social Interaction

Jobs that involve customers, students, coworkers, or visitors can provide regular social contact.

Purpose and Structure

A flexible job can provide routine without the demands of a full-time career.

Staying Active

Some retirees prefer jobs that involve light movement rather than spending most of the day at home.

Using Existing Experience

Retirement doesn’t erase decades of professional knowledge. Consulting, mentoring, tutoring, and specialized freelance work can turn that experience into income, and for a broader look at the part-time employment landscape across all age groups and schedules, explore our comprehensive part-time jobs guide.

What Makes a Job Retiree-Friendly?

The ideal retiree flexible work opportunity typically offers several of these characteristics:

Part-time hours
Flexible scheduling
Low physical strain
Limited commuting
Predictable responsibilities
Ability to choose working days
Social interaction
Meaningful work
Opportunity to use existing skills

The best choice depends heavily on the individual.

A former teacher may enjoy substitute teaching, while a former executive may prefer consulting or mentoring, and for retirees with sales experience, commission-based sales roles can offer flexible schedules with strong earning potential.

1. Substitute Teacher

Substitute teaching can be a natural option for retired educators, but you don’t necessarily need to have spent your entire career as a teacher.

Depending on local requirements, substitutes may work when schools need coverage for absent teachers.

Advantages

Choose available assignments in many systems
School-calendar schedule
Meaningful interaction with students
Uses communication and organizational skills
Potentially little long-term commitment

Requirements vary significantly by state and school district, so retirees should check local rules before applying.

2. Tax Preparer

Tax preparation can provide seasonal work for retirees, particularly for people with accounting, finance, or administrative backgrounds.

A tax preparer may help clients with:

Income tax returns
Tax documentation
Data entry
Client questions
Filing preparation

Some tax-preparation companies provide training programs for new preparers.

For retirees who want concentrated seasonal employment rather than year-round work, tax preparation can be an appealing option.

3. Consultant

Consulting can be one of the most flexible ways to generate retiree income from existing professional experience, and for experienced professionals considering this path, our guide to consulting for experienced professionals explores how to structure engagements, set rates, and find clients.

A retired professional may consult on the following:

Finance
Accounting
Human resources
Marketing
Operations
Engineering
Technology
Management
Sales
Healthcare administration

Instead of accepting a traditional part-time job, consultants can work on individual projects or maintain a small number of clients.

Consultant Retiree Income

Potential earnings vary dramatically based on:

Industry
Experience
Specialization
Client demand
Location
Project complexity
Number of hours worked

Experienced professionals should evaluate consulting based on the value of their expertise rather than comparing themselves with entry-level hourly jobs.

4. Tutor

Tutoring is a highly flexible option for retirees with strong knowledge in a particular subject.

Possible areas include:

Mathematics
Reading
Writing
Languages
Science
Test preparation
Music
Computer skills
Business subjects

Tutoring can be performed:

In person
Online
Through schools
Through tutoring businesses
Independently

It can also allow retirees to choose how many students they want to work with.

5. Museum Docent

Museum docent jobs can appeal to retirees who enjoy history, art, science, or cultural education.

Typical responsibilities include:

Leading tours
Explaining exhibits
Answering visitor questions
Supporting educational programs
Greeting visitors

Some docent positions are paid, while others are volunteer roles.

This can be a particularly good choice for someone who values social interaction and learning more than maximizing income.

6. Golf Course Marshal

Golf courses may hire marshals or course rangers to help maintain the pace and organization of play.

Responsibilities can include:

Monitoring course flow
Assisting golfers
Communicating course policies
Checking conditions
Supporting course operations

For retirees who enjoy golf, this can combine a hobby with part-time employment.

However, the role may require considerable time outdoors and some walking, so physical requirements should be considered.

7. School Crossing Guard

School crossing guard positions can provide structured part-time employment with limited daily hours.

The work generally centers around school arrival and dismissal periods.

Potential Advantages

Short shifts
Consistent schedule
Community interaction
Outdoor work
Clear responsibilities

Because the role requires standing outdoors and maintaining awareness around traffic, retirees should consider the physical and environmental demands.

8. Retail Greeter

Retail greeter positions are sometimes attractive to retirees seeking light-duty customer-facing work.

A greeter may:

Welcome customers
Provide basic assistance
Help direct shoppers
Support customer service
Monitor entrances

Job availability and responsibilities vary by retailer and location.

Rather than targeting a specific company or assuming a particular retailer has an open greeter position, search current local listings for retail greeter jobs for seniors or similar customer-service positions.

9. SCORE Mentor

Experienced business professionals can consider volunteering as mentors through SCORE, a nonprofit resource partner of the U.S. Small Business Administration.

SCORE mentoring can allow retired professionals to share knowledge in areas such as the following:

Business planning
Marketing
Finance
Operations
Entrepreneurship
Management

This is generally better viewed as a purpose and networking opportunity rather than a conventional source of retirement income.

10. Receptionist or Front-Desk Work

Receptionist jobs can be suitable for retirees who want predictable hours and relatively light physical demands.

Possible workplaces include:

Medical offices
Hotels
Community centers
Fitness facilities
Professional offices
Nonprofit organizations

Common responsibilities include:

Greeting visitors
Answering calls
Scheduling
Basic administrative work
Handling correspondence

11. Bookkeeping

Retirees with accounting experience can consider part-time bookkeeping.

Small businesses may need help with:

Accounts payable
Accounts receivable
Reconciliation
Invoicing
Expense tracking
Financial reports

Remote bookkeeping can be particularly attractive because it may eliminate commuting.

Experience with accounting software can make these opportunities easier to pursue.

12. Tour Guide

Tour guide positions can be appealing to retirees who enjoy history, travel, architecture, or local culture.

Potential employers include the following:

Museums
Historic sites
Tour companies
Parks
Cultural organizations
Attractions

The role can involve substantial walking or standing, so physical requirements vary by employer.

Jobs for Retirees Who Want to Work From Home

Not every retiree wants to return to a workplace.

Potential work-from-home jobs for retirees include:

Online tutoring
Bookkeeping
Consulting
Freelance writing
Virtual assistance
Customer service
Tax preparation
Transcription
Online coaching

Remote work can reduce transportation requirements and allow retirees to work from a familiar environment.

For broader remote opportunities, connect this page to your Work From Home Part-Time Jobs sub-pillar.

Best Jobs for Retirees With Professional Experience

Professional experience can be an advantage after retirement.

Former Accountant

Consider:

Bookkeeping
Tax preparation
Accounting consulting
Financial administration

Former Teacher

Consider:

Substitute teaching
Tutoring
Educational consulting
Test preparation

Former Business Executive

Consider:

Consulting
SCORE mentoring
Business coaching
Project management

Former IT Professional

Consider:

Technical consulting
Tutoring
Help-desk work
Freelance technology projects

Former Healthcare Professional

Depending on current credentials and applicable rules:

Healthcare administration
Consulting
Teaching
Medical office support
Training

The goal is to monetize existing expertise without recreating the workload of a full-time career.

Best Part-Time Jobs for Seniors With No Recent Work Experience

Retirees returning to employment after many years may prefer positions where recent industry experience isn’t essential.

Potential options include:

Retail
Reception
Library support
School support
Customer service
Tutoring
Event staff
Visitor services
Seasonal employment

A resume should emphasize transferable skills and reliability rather than focusing only on chronological employment history.

Seasonal Jobs for Retirees

Seasonal employment can be especially attractive because it doesn’t require a year-round commitment.

Potential opportunities include:

Tax preparation
Holiday retail
Tax-season administrative work
Tourism
Summer attractions
National parks
Event staffing
Holiday customer service

This approach allows retirees to work during a specific period and then return to their normal retirement routine.

How Much Should a Retiree Work?

There is no standard answer.

Some people may want:

5–10 hours per week
A few shifts each week
Seasonal work
Project-based consulting
A traditional 20–25-hour part-time schedule

Start with the amount of work that fits comfortably into your lifestyle.

If your goal is supplemental income rather than replacing a career salary, there may be little reason to maximize working hours.

Retirement Income and Working: What to Consider

Before accepting a job, retirees should understand how additional employment could interact with their overall financial situation.

Consider:

Wages
Federal income taxes
State income taxes
Social Security rules
Medicare considerations
Pension rules
Retirement account withdrawals
Employer benefits

The impact can vary depending on age, income, filing status, retirement benefits, and individual circumstances.

For significant financial decisions, review your situation with a qualified tax or financial professional.

How to Find Jobs for Retirees

Good places to search include:

Local employers
School districts
Universities
Museums
Parks and recreation departments
Golf courses
Community organizations
Nonprofits
Tax-preparation companies
Professional networks
General job boards

Search using specific terms such as:

part-time jobs for retirees
senior-friendly jobs
retiree flexible work
part-time jobs for seniors
seasonal jobs for retirees
remote jobs for retirees
consulting jobs for retirees

Local searches can be particularly useful because many retiree-friendly opportunities are community-based.

How to Choose the Right Retirement Job

Before accepting a position, score it across five areas:

1. Income

How much will you actually earn after taxes and work-related expenses?

2. Flexibility

Can you choose your hours or working days?

3. Physical Demands

How much standing, walking, lifting, driving, or outdoor exposure is involved?

4. Social Value

Will the job provide interaction with coworkers, customers, students, or community members?

5. Career Value

Does it allow you to use skills you’ve developed over your career?

A job that performs well across these categories may be more valuable than one offering a slightly higher hourly rate.

Retiree-Friendly Jobs by Goal

Goal	Good Options
Supplement income	Tax preparation, bookkeeping, consulting
Stay socially active	Retail, museum docent, receptionist
Use professional expertise	Consulting, mentoring, tutoring
Work from home	Bookkeeping, tutoring, consulting
Work seasonally	Tax preparation, tourism, holiday retail
Stay active	Golf marshal, tour guide, crossing guard
Low schedule commitment	Consulting, tutoring, volunteer mentoring
Help the community	School support, tutoring, museum work
Avoid commuting	Remote consulting, tutoring, bookkeeping

Best Flexible Jobs for Retirees

Retirement employment works best when the job fits the lifestyle you want to maintain. Some retirees want only a few hours a week, while others want regular part-time income.

For Maximum Flexibility

Consider:

Consulting
Tutoring
Freelance work
Bookkeeping
Tax preparation
Online coaching

These roles can provide more control over when you work.

For Social Interaction

Consider:

Museum docent
Retail greeter
Receptionist
Substitute teacher
Tour guide
Community center assistant

For Light Physical Activity

Consider:

Golf course marshal
School crossing guard
Museum visitor services
Tour guide
Retail positions

For Working From Home

Consider:

Consulting
Bookkeeping
Online tutoring
Tax preparation
Virtual assistance
Customer service

Best Jobs for Retirees With Professional Experience

One of the biggest advantages retirees have is accumulated knowledge.

Instead of starting from scratch, consider jobs that use your previous career.

Former Educators

Good options include:

Substitute teaching
Tutoring
Test preparation
Educational consulting
Academic support

Former Accountants

Consider:

Bookkeeping
Tax preparation
Accounting consulting
Payroll support
Financial administration

Former Managers

Potential options include:

Business consulting
Project consulting
Mentoring
Operations support
Small-business advising

Former Technology Professionals

Consider:

IT consulting
Technical support
Software tutoring
Technology training
Freelance technology work

Former Sales Professionals

Potential opportunities include:

Sales consulting
Customer service
Business development
Fundraising
Mentoring

The goal is to turn existing expertise into flexible work rather than recreating a demanding full-time schedule.

Best Part-Time Jobs for Retirees With No Specialized Skills

Not every retiree wants to return to their former profession.

Entry-level senior-friendly jobs may include:

Retail associate
Receptionist
Customer service representative
Library assistant
Event staff
Visitor services
School support
Hospitality work
Seasonal retail

These positions can be useful for retirees who want straightforward responsibilities and predictable shifts.

Jobs for Retirees Who Want to Work Only a Few Hours

If you want to limit your commitment, avoid positions that require a fixed five-day schedule.

Instead, look for:

Substitute teaching
Tutoring
Consulting
Tax preparation
Museum work
Event staffing
Golf course marshal positions
Occasional administrative work

Project-based work can be particularly useful because you can accept assignments according to your availability.

Jobs for Retirees Who Want Social Interaction

Some retirees return to work primarily because they miss interacting with people.

Good options include:

Museum Docent

Interact with visitors while discussing history, art, or culture.

Retail Customer Service

Work directly with customers and coworkers.

Substitute Teacher

Spend time with students and school staff.

Receptionist

Interact with visitors and callers throughout the day.

Tour Guide

Combine social interaction with local knowledge.

Community Organization Staff

Help coordinate activities, events, or services.

For this group, job satisfaction may matter as much as hourly compensation.

Jobs for Retirees Who Prefer Quiet Work

Some retirees want the opposite: a peaceful environment with limited customer interaction.

Potential choices include:

Bookkeeping
Data entry
Administrative support
Library work
Research assistance
Transcription
Remote consulting

When evaluating a job description, pay attention to terms such as high-volume, fast-paced, or customer-facing if you specifically want a quieter role.

Retiree Consulting Careers

Consulting deserves special attention because it can turn decades of professional experience into flexible income.

A retired professional could offer consulting in the following:

Management
Accounting
Marketing
Human resources
Operations
Engineering
Technology
Sales
Healthcare administration

How to Start

Identify your strongest professional skill.
Define a specific service.
Identify businesses that need it.
Create a simple professional profile.
Contact former colleagues and professional connections.
Start with a small project.
Build references and repeat clients.

For example, instead of advertising yourself simply as a “business consultant,” you could offer the following:

Inventory-management consulting for small retailers.

Specific services are often easier for prospective clients to understand.

Retiree Tax Preparation Work

Tax preparation can be a useful option for people who want seasonal employment after retirement.

The work can be especially appealing if you prefer the following:

Seasonal schedules
Office-based work
Client interaction
Financial tasks
Structured responsibilities

Training and credential requirements vary depending on the role, employer, and jurisdiction.

Before applying to a tax-preparation company, verify the specific training and registration requirements for the position.

Substitute Teaching for Retirees

Substitute teaching can offer an unusual combination of flexibility and meaningful work.

Instead of committing to an entire school year as a classroom teacher, substitutes generally accept assignments based on available opportunities.

Potential benefits include the following:

Flexible scheduling
School-year employment
Community involvement
Interaction with students
Use of communication skills

Requirements differ by state and district, so check local school-system requirements.

School Crossing Guard Jobs

School crossing guard work may appeal to retirees who prefer short, predictable shifts.

The job generally involves helping students safely cross streets around school arrival and dismissal periods.

Potential advantages include the following:

Short shifts
Consistent schedule
Community involvement
Limited weekly hours

However, the work can involve standing outdoors in different weather conditions and requires continuous attention to traffic.

Golf Course Marshal Jobs

For retirees who enjoy golf, working as a course marshal can be an appealing lifestyle job.

Typical responsibilities include:

Monitoring pace of play
Assisting golfers
Communicating course policies
Helping maintain orderly play
Reporting course issues

The role can provide regular outdoor activity while keeping you connected to a hobby.

Museum Docent Jobs

Museum docent work can be ideal for retirees interested in:

History
Art
Science
Local culture
Education

Responsibilities may include giving tours, answering visitor questions, and supporting educational activities.

Some positions are paid, while others are volunteer roles.

If income is your primary objective, confirm whether a specific docent opportunity is paid before applying.

SCORE Mentoring for Retired Professionals

Retired entrepreneurs, executives, accountants, marketers, and other business professionals can consider mentoring through SCORE.

The organization connects experienced volunteers with entrepreneurs seeking guidance.

Potential mentoring topics include:

Business planning
Marketing
Financial management
Operations
Entrepreneurship
Business strategy

This is best viewed as a purpose-driven volunteer opportunity rather than a conventional paid job.

However, it can help retirees remain professionally engaged and connected to their business community.

Work From Home for Retirees

Remote work can be especially appealing if commuting is undesirable.

Potential options include:

Remote bookkeeping
Online tutoring
Consulting
Virtual assistance
Customer service
Freelance writing
Tax preparation
Administrative support

Before accepting a remote position, determine whether it is truly flexible.

A remote employee may still have mandatory shifts, meetings, or productivity requirements.

Seasonal Work After Retirement

Seasonal employment can be an excellent compromise between full retirement and year-round employment.

Winter

Tax preparation
Holiday retail
Customer service
Package handling
Administrative support

Spring

Tax-related work
Gardening and landscaping support
Tourism
Event staffing

Summer

Tourism
Museums
Parks
Golf courses
Recreation programs

Fall

Retail
Event work
Seasonal customer service
Tax preparation preparation roles

This approach lets retirees work during specific periods while keeping much of the year free.

Part-Time vs. Seasonal Work for Retirees

Factor	Part-Time Year-Round	Seasonal
Income	More consistent	Temporary
Schedule	Regular	Limited period
Commitment	Longer	Shorter
Routine	Higher	Lower
Flexibility	Moderate–High	Often high
Best for	Supplemental income	Occasional work

If you want predictable monthly income, year-round part-time employment may be preferable.

If you want to preserve maximum retirement freedom, seasonal work may be better.

How to Find Retiree-Friendly Jobs

Start locally.

Good places to search:

School districts
Libraries
Museums
Parks departments
Golf courses
Community centers
Local businesses
Nonprofits
Tax-preparation offices
Universities
Professional organizations

Search terms can include:

jobs for retirees
part-time jobs for seniors
retiree flexible work
senior-friendly jobs
seasonal jobs for retirees
remote jobs for retirees
part-time consultant jobs

Local employers may offer opportunities that never appear prominently in national searches.

How to Update a Resume After Retirement

A long career doesn’t mean your resume needs to list every job you’ve ever held.

Instead, emphasize:

Relevant experience
Recent skills
Certifications
Accomplishments
Technology proficiency
Volunteer work
Consulting projects

If you have decades of experience, focus on the experience most relevant to the job you’re pursuing.

For example, someone applying for bookkeeping work doesn’t necessarily need to provide extensive detail about unrelated positions from 30 years ago.

Age-Proofing Your Job Search

Retirees can emphasize capabilities rather than age.

Highlight:

Reliability
Professional experience
Communication
Problem-solving
Technology skills
Customer service
Leadership
Industry knowledge

Keep your resume clean and current.

If you’re comfortable using modern workplace tools, include them. Employers may want evidence that you can work with current technology regardless of your previous career history.

How to Evaluate a Job Offer in Retirement

Before accepting a position, calculate the real value of the opportunity.

Consider:

Gross pay

minus:

Taxes
Transportation
Parking
Work clothing
Equipment
Meals
Other job-related expenses

Then consider the nonfinancial benefits:

Social interaction
Purpose
Routine
Physical activity
Career engagement

A lower-paying job close to home with flexible hours may be more attractive than a higher-paying position involving a long commute.

Retirement Work and Social Security

Working while receiving Social Security can have different effects depending on factors such as your age and whether you have reached full retirement age.

Before making a decision based on Social Security income, check the current rules that apply to your situation.

Don’t assume that earning additional wages will automatically reduce every retirement benefit.

For personalized decisions, consider consulting a qualified financial or tax professional.

Retirement Work and Taxes

Additional employment income may affect your overall tax situation.

Potential considerations include the following:

Federal income tax
State income tax
Social Security taxation
Medicare-related considerations
Pension income
Retirement-account withdrawals

The tax effect depends on your individual circumstances.

Evaluate after-tax income, not just the advertised wage.

Best Retiree Jobs by Income Potential

Income varies widely, but retirees can generally think about opportunities in three categories.

Higher Potential

Specialized consulting
Professional freelancing
Specialized tutoring
Bookkeeping
Tax preparation

Moderate Potential

Substitute teaching
Customer service
Reception
Tour guide
Administrative work

Lower or Primarily Purpose-Driven

Volunteer mentoring
Some docent positions
Community volunteering

The highest-paying option isn’t necessarily the best retirement job. Flexibility and lifestyle fit can be more important.

A Simple Retirement Work Decision Framework

Ask yourself five questions:

1. Why Do I Want to Work?

Income, social interaction, purpose, activity, or professional engagement?

2. How Much Do I Want to Work?

A few hours, several shifts, seasonal work, or regular part-time hours?

3. What Do I Want to Avoid?

Commuting, physical work, stress, customer service, fixed schedules?

4. What Skills Can I Monetize?

Professional knowledge, teaching, accounting, technology, writing, management?

5. What Is My Minimum Acceptable Pay?

Calculate the amount that makes the time and effort worthwhile.

Your answers can quickly narrow dozens of opportunities down to a few realistic options.

Final Takeaway

Retirement employment doesn’t have to look like another full-time career.

The strongest retiree-friendly flexible careers allow you to choose how much you work and make use of the skills, interests, and experience you’ve accumulated.

For maximum flexibility, consider consulting, tutoring, bookkeeping, or freelance work.

For social interaction, consider museum docent, substitute teaching, reception, retail, or tour guide positions.

For seasonal income, consider tax preparation, tourism, holiday retail, and other temporary work.

And if your priority is purpose rather than income, mentoring, museum volunteering, and community roles can provide meaningful ways to stay engaged after retirement.

Frequently Asked Questions About Jobs for Retirees

What are the best jobs for retirees?

Some of the most flexible options include consulting, tutoring, bookkeeping, tax preparation, substitute teaching, museum work, reception, golf course marshal positions, and seasonal employment.

The best choice depends on your desired schedule, physical requirements, income target, and previous experience.

What are the best part-time jobs for seniors?

Good options include:

Receptionist
Tutor
Substitute teacher
Library assistant
Retail associate
Museum visitor services
Bookkeeper
Consultant
Tax preparer
Golf course marshal

Look for positions with predictable hours and manageable responsibilities.

Can retirees work from home?

Yes. Remote opportunities can include consulting, bookkeeping, tutoring, customer service, virtual assistance, writing, and tax preparation.

However, “remote” doesn’t always mean “flexible.” Some work-from-home jobs require fixed shifts.

What jobs are best for retirees with professional experience?

Consulting is one of the strongest options because it allows retirees to monetize existing expertise without necessarily committing to full-time employment.

Other possibilities include teaching, tutoring, bookkeeping, mentoring, freelance work, and industry-specific project work.

What are good jobs for retirees who don’t want to work every day?

Consider:

Substitute teaching
Consulting
Tutoring
Seasonal employment
Museum work
Golf course positions
Event staffing

Project-based and on-demand work can provide greater control over your schedule.

Are there seasonal jobs for retirees?

Yes. Seasonal opportunities can include tax preparation, holiday retail, tourism, parks, golf courses, event staffing, and temporary administrative work.

Seasonal work can be particularly useful if you want supplemental income without committing to year-round employment.

Can retirees become tax preparers?

Yes, depending on the position and applicable requirements. Tax-preparation companies may offer training for certain roles.

Requirements vary, so verify the qualifications and registration requirements associated with the specific position.

Is substitute teaching a good job after retirement?

It can be a good option for retirees who enjoy working with students and want a flexible schedule.

Requirements vary by state and school district, so check local rules before applying.

Do museum docent jobs pay?

Some docent positions are paid, while many are volunteer positions.

If income is your primary goal, confirm compensation before accepting a position.

Is SCORE mentoring paid?

SCORE mentoring is generally a volunteer opportunity rather than a conventional paid job.

It can nevertheless be valuable for retirees who want to share professional experience, support entrepreneurs, and remain connected to the business community.

Can working affect Social Security benefits?

It can depend on factors such as your age and whether you have reached full retirement age. The applicable rules can change, so retirees should check current Social Security guidance for their specific situation.