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.
Press Release Type Archives:
Ted Cruz Says Trump Accounts Could Replace Social Security. Retirement Pros Are Skeptical.
Ray R. Harris, a registered Social Security analyst and the founder of Social Security Claiming Experts, said that Cruz is rebranding “privatization” as “ownership,” because “privatizing Social Security polls pretty badly.” “But ‘personal accounts,’ ‘ownership,’ ‘investment growth,’ those concepts sound much better,” he said.
Why You Need to Start Your Social Security Claim 4 Months Early: 7 Steps to Prevent a Delay at the Worst Possible Moment
“If your situation is more complicated than a straightforward single-person claim — spousal or survivor benefits, a divorce history, foreign work, self-employment years, multiple name changes, a tight travel window — consider having a specialist stress-test both the strategy and the execution before you file.”
The Six-Month Social Security Retroactivity Trap
Ray Harris, RSSA®, contributes a story to Wealth Management about the often-overlooked risks of electing retroactive Social Security benefits and how the “six-month retroactivity trap” can permanently reduce retirement and survivor income.
How Social Security Fits Into a Millionaire’s Retirement
“Social Security claiming gets less attention than it deserves in planning for wealthy clients,” said Ray R. Harris, founder of Social Security Claiming Experts in Chicago and a Registered Social Security Analyst. “It’s not because advisors or clients don’t care, but because claiming sits in an awkward place. It’s not AUM. It’s technical. It’s full…
Using Social Security To Mute Volatility, Manage Sequence-Of-Returns Risk
Ray Harris, RSSA®, contributes a story to FA Magazine on how optimizing Social Security can help protect retirement income during market fluctuations.
Don’t Let Low Tax Rates Lull You Into the Torpedo Zone
Ray Harris, RSSA®, contributes a story to Kiplinger, breaking down the “tax torpedo,” how it can catch retirees off guard, and what it means for retirement and Social Security planning.
Social Security Update: Payment Schedule Changes for Some Recipients
“When payment dates for Social Security fall on weekends and holidays it can sometimes lead to confusion on if/when some recipients will receive their benefits…” Thien Khuu, a Registered Social Security advisor and owner of T&D Solutions, told Newsweek.
Seniors on Social Security Could Face $460 Monthly Cut to Benefits
Jim Komoroski, a Registered Social Security Analyst and Principal Agent of The M1 Agency, told Newsweek: “The projected $460 monthly reduction is a realistic outcome if Congress does not act, but it ultimately comes down to political will. The funding shortfall has been known for years. It’s no secret, we just continue to kick the…
Uncertainty Got You Down? It May Be the Ticket to Stock Market Gains.
Laurie Bodisch, a financial advisor and founder of Her Wealth Coach in Boiling Springs, Pa., says she has seen skittishness among older adults who lived through the Great Depression and their offspring…