“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…”
Press Release Type Archives:
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.
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.”