Ray R. Harris

“I’ve stood exactly where you’re standing now.”

Ray R. Harris is an RSSA®-certified Social Security advisor who helps Americans ages 58–70 choose the best time to claim benefits—so they don’t leave tens of thousands of dollars on the table over retirement.

After more than 30 years as an executive leader guiding people through high-stakes life decisions, Ray retired confident in the strategies he used to protect his own family’s financial future. He soon realized many hardworking Americans were making irreversible claiming decisions without truly understanding the long-term impact on lifetime income. Ray came out of retirement with a clear mission: help clients make a confident, well-informed choice that fits their goals, not a generic rule of thumb.

Ray’s process is designed for clients who value clarity, precision, and peace of mind. He helps you weigh the real tradeoffs—claiming early vs. waiting, retirement timing and work income, taxes, spousal considerations, health and longevity expectations, and how benefits fit into your broader retirement plan—then delivers a clear recommendation you can act on with confidence.

Ray earned a Bachelor’s degree in Finance and an MBA, with additional studies in Behavioral Economics at the University of Chicago Booth School of Business, and postgraduate studies at Oxford and Cambridge. Clients appreciate his calm guidance, plain-English explanations, and the confidence that comes from making a decision they can feel good about for decades.

Schedule a consultation to get a personalized claiming strategy and the peace of mind of knowing you made the right call.