“As a Registered Social Security Analyst, I sit across from families deciding when to claim benefits. Many ask whether they should claim early because they fear the system will collapse. That fear often leads to poor planning, “RSSA Ray Harris writes in his letter to the editor of the Chicago Sun Times.
Press Release Type Archives:
How Social Security Works for Non-U.S. Citizens
“That can and does happen,” says Ray R. Harris, a Registered Social Security Analyst and the founder of Social Security Claiming Experts, an advisory firm in Chicago…
Fidelity flags the RMD trap that quietly raises your taxes
“Ray R. Harris, a Registered Social Security Analyst and founder of Social Security Claiming Experts, warned in Kiplinger’s Adviser Intel column that low tax rates in early retirement disguise a future collision with Social Security…”
The Real Risk Isn’t Social Security Insolvency. It’s How Clients React to It.
“For clients approaching retirement, the message should be straightforward: Do not let headlines determine your claiming strategy,” RSAA Ray Harris shares in his contributed ThinkAdvisor piece.
How to work in retirement without seeing your Social Security checks slashed
“Here’s an example from Rob Moore, a Registered Social Security Analyst and the owner of Get Moore Consulting in Indianapolis…”
The Social Security Trustees Report Looks Gloomy. Don’t Let Clients Panic
“The unchanged 2034 date is not a reason to celebrate,” said Ray Harris, president at Social Security Claiming Experts. “It’s more like the steady idiot light on your car dashboard than a loud smoke alarm in your house. For financial advisors, the key message is this: Do not let clients make claiming decisions based on…
Social Security Retirement Fund Still on Track to Go Bust in 2032
“Ray R. Harris, a Registered Social Security Analyst and the founder of Social Security Claiming Experts, told ThinkAdvisor that while the depletion date projection remains the same, it was important to note the report also shows the long-term financing challenge has grown, as the 75-year actuarial deficit has increased from 3.82% to 4.42% of taxable…
Social Security’s Trust Fund Will Run Dry In 2032, Trustees Say. What It Means for Your Benefits.
“There are reasons to claim Social Security early, but fear isn’t a good one, saysRay R. Harris, president at Social Security Claiming Experts in Chicago, which advises clients on claiming strategies. Harris often walks through the history ofthe program with clients…”
Retirees struggle to get by
“Yes, many seniors today are struggling more than previous generations, but not always because Social Security itself is lower,” said Liz Alvarez, a Registered Social Security Analyst at Alvarez Insurance Agency. “The bigger issue is that the overall cost of living has risen much faster than many retirees anticipated, especially in areas such as housing,…
Social Security And A Classic Market Problem
RSSA Ray Harris contributes a Financial Advisor Magazine article exploring how thoughtful Social Security claiming strategies can help retirees manage sequence-of-returns risk and reduce the impact of early market volatility on retirement income planning.