Retirement planning faces the challenge of varying life expectancy, influenced by factors beyond standard age and gender measures, such as income, health, and environment. Traditional reliance on generalized actuarial tables may lead to suboptimal financial outcomes for individuals. This study emphasizes the benefits of integrating personalized longevity projections to enhance retirement strategies, especially for optimizing Social Security benefits. A Cox proportional hazard model is estimated using data from the Health and Retirement Study to project personalized longevity. Then, this study found that tailoring the estimated optimal claiming age for benefits significantly increases the present value of lifetime benefits. Findings reveal that personalization can yield an average lifetime increase of over $12,000 for men and $9,000 for women. The evidence suggests that personalized longevity approaches can better align financial plans with individual life expectancy, enriching clients' understanding and retirement readiness.