We Maximize Your Social Security Benefits
You worked hard. And after decades of work, we believe you deserve the maximum benefit available to you—not just the “default” amount the Social Security Administration system offers.
The Social Security system contains more than 2,700 rules and thousands of possible filing combinations. The Social Security Administration (SSA) processes claims, but they are legally prohibited from giving you personalized advice or telling you which strategy will produce the highest lifetime benefit.
That is why we exist.
Based in the United States, we bridge the gap between the government’s rules and your real-life financial goals.
We analyze your situation, compare every relevant filing strategy, and build a clear roadmap that helps you avoid costly mistakes—often worth $125,000 or more over the course of retirement.
Ray R. Harris, RSSA®
Founder & Chief Strategist
“I’ve stood exactly where you are standing now.”
After serving my community for more than 30 years as an executive leader, I was confident in the strategies I had used to secure my family’s financial future.
But as I talked to others my age, I realized many Americans were not as fortunate. Most had worked hard their entire lives, yet were unknowingly making filing decisions that would reduce their retirement income for decades.
Emboldened, I focused my education, experience, and expertise on helping seniors make their wisest, most profitable Social Security claiming decision possible.
Expertise You Can Trust
Behavioral Economics • University of Chicago
Advanced Studies • Oxford University
Advanced Studies • Cambridge University
MBA • Golden Gate University
BS Finance • California State University, Sacramento
Advanced Studies • Baylor University
Proven Leadership
Before launching Social Security Claiming Experts, Ray founded and led one of America’s “Top 100 Fastest-Growing Organizations.” He has served as an adjunct professor of leadership and has helped thousands of individuals strengthen their financial security.
Life Outside the Office
Ray is a proud father of six sons. When he isn't analyzing benefit strategies, he can be found traveling and sharing his “wisdom and coffee” reflections with over 800,000 followers on social media. @Ray_R_Harris
Why Choose Us?
Independent Guidance
We are not affiliated with the SSA or any government agency. Our independence allows us to provide clear, unbiased guidance focused solely on maximizing your lifetime benefit.
Specialized Expertise
Most advisors cover a broad range of topics. We specialize in just one: Social Security. We use advanced software to evaluate thousands of filing combinations for your unique situation.
Flat-Fee Service
We do not sell financial products. We provide a fee-for-service guidance that gives you clarity on the best time to claim your Social Security benefits. Our only incentive is your financial success.
Who We Serve
We provide clarity and confidence for:
