Press Release Type Archives:

“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…”

“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,…

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.

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.

“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.”

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.

“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…

Ray Harris, RSSA®, contributes a story to FA Magazine on how optimizing Social Security can help protect retirement income during market fluctuations.

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.

“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.