Not Sure When to Claim Social Security? Don't Make a $100,000 Guess.
Start with a 20-minute Claiming Assessment for $45 before you make a lifetime claiming decision.
In 20 minutes, Ray R. Harris, MBA, RSSA®, will review your situation, identify the key Social Security issues, explain the major tradeoffs, and help you determine the right next step.
Your $45 assessment fee will be credited toward a full strategy session if you book that session within 14 days after your assessment. No Social Security number is required to begin.
Ray R. Harris, MBA, RSSA®
Founder, Social Security Claiming Experts
No product sales.
No hidden agenda.
No resale of your information.
Just focused Social Security claiming guidance.
As Featured In: Kiplinger | Financial Advisor Magazine | ThinkAdvisor | WealthManagement.com | The Daily Upside
How It Works
Pay $45 securely through Stripe.
Choose your 20-minute assessment time through Calendly.
Meet with Ray to identify your major claiming issues and next step.
Three Ways to Approach Social Security
Guessing Alone
General rules can miss spousal, survivor, tax, divorce, widowhood, work-income, and dependent-benefit issues.
Relying on Software Alone
Software can calculate numbers, but it may not weigh your household tradeoffs, health, spouse, taxes, and risk tolerance.
Start With an Assessment
Get expert issue-spotting before deciding whether a full strategy session is necessary.
What You Get for $45
Included
Review of your age, marital status, and work status.
Identification of major spousal, survivor, divorce, dependent-benefit, work-income, or tax issues.
Explanation of the key tradeoffs.
Recommendation on the right next step.
Not Included
Full written Social Security strategy.
Complete lifetime benefit modeling or spouse-by-spouse optimization.
Exact filing-month recommendation.
If your situation is simple, the assessment may give you the clarity you need. If your situation is complex, Ray will explain whether a full strategy session is worth considering.
The $45 Assessment may be right for you if you are:
Approaching retirement and unsure when to claim.
Married and coordinating two benefit records.
Divorced or widowed and navigating complex benefit rules.
Still working and concerned about the earnings test.
Coordinating Social Security with work income, taxes, pensions, IRA withdrawals, or other retirement income.
Helping an aging parent make a claiming decision.
No Product Sales. No Hidden Agenda.
Your financial and family details are used for one purpose: helping you make a confident Social Security claiming decision. SSCE does not use this assessment to sell investments, annuities, insurance, or any other financial products. There is no hidden product agenda and no resale of your personal information.
Plain-English Guidance for a High-Stakes Claiming Decision
Ray R. Harris, MBA, RSSA®, is the founder of Social Security Claiming Experts. Drawing on a finance degree, an MBA, behavioral economics studies at the University of Chicago Booth School of Business, and postgraduate studies at Oxford and Cambridge, Ray provides plain-English, executive-level guidance. His mission is to help clients make a well-informed decision that fits their goals, not a generic rule of thumb.
Ready to Stop Guessing?
For $45, start with a focused 20-minute Claiming Assessment before you make a permanent Social Security decision.
No Social Security number required. Your $45 assessment fee will be credited toward a full strategy session if you book that session within 14 days after your assessment.
We Work for You,
Not the Administration.
© 2026 Social Security Claiming Experts. All Rights Reserved.
Social Security Claiming Experts is a private education and strategy firm. We are not affiliated with, endorsed by, or connected to the Social Security Administration (SSA) or any government agency. Information provided is for educational purposes only and does not constitute legal, tax, or investment advice.
