The Retirement “Cash Flow Bridge”: How to Delay Social Security Without Running Out of Money
Confused by Social Security?
Many people want to delay Social Security—but worry about running out of money while they wait. That’s where the Cash Flow Bridge comes in.
Here’s How It Works
Instead of filing early at 62, you create a “bridge” using modest IRA withdrawals, part-time work, or cash reserves. This allows you to wait until FRA or 70 while maintaining your lifestyle.
Why It Works
Delaying increases your benefit 8% per year beyond FRA. This is a risk-free return you cannot get in the stock market.
Want to build your own “bridge” strategy?
Let’s design the income plan that gets you to age 70 comfortably.
The Hidden Bonus: Lower Taxes Later
Using IRA withdrawals early reduces future RMDs and lowers provisional income. It creates long-term tax savings.
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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