In earlier research, Mr. Mahaney highlighted another benefit to deferring benefits until later: If you expect much of your retirement income to come from tax-deferred savings, you might be better off using those assets first and delaying all, or a large chunk, of your Social Security.

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"At the end of last season, I spoke to a few people and always felt I would come back, but until everything is confirmed you don't want to say too much as there is still an element of doubt, " he said.

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Until then, you will need to discuss your options with your spouse and come up with the best scenario for yourself and your family.

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"Alcohol makes you lose heat much more quickly and makes it harder to regain heat afterwards, so don't drink until you come out of the water and rewarm, " says Traill.

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"Until you are in a position where you can actually physically buy the club, my client doesn't want to come in the front line, " he said.

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