“My Neighbor Gets $4,000 a Month. Why Don’t I?” (Understanding the Formula)
Confused by Social Security?
Comparison is the thief of joy. If your neighbor gets more, it’s due to the PIA formula.
1. It’s an Average
Social Security averages your highest 35 years. One bad decade pulls down the average.
2. The “Bend Points”
Social Security replaces a higher percentage of income for lower earners. High earners get a lower ROI.
Wondering if your calculation is correct?
We audit your earnings record to ensure you aren’t missing money.
Conclusion
Don’t compare checks. Compare strategies.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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