In the Media

See recent media coverage, published articles, and expert commentary from Ray R. Harris, RSSA, founder of Social Security Claiming Experts.

Featured in Kiplinger, Financial Advisor, The Daily Upside, and other leading retirement and financial media outlets.

As featured in

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About Ray's Media Work

Social Security is one of the most important retirement income decisions most Americans will ever make. Ray R. Harris, RSSA, founder of Social Security Claiming Experts, is regularly quoted and published on topics including claiming strategy, spousal and survivor benefits, sequence-of-returns risk, tax planning, benefit execution, and avoiding irreversible Social Security mistakes.

Use the articles below to explore recent commentary and media features.

Media Features & Published Articles

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    The Six-Month Retroactivity Trap: The “Free Lump Sum” Decision Advisors Need to Document

    Ray explains why six months of retroactive Social Security benefits can look like free money but may permanently reduce the household’s monthly income floor, especially when survivor benefits are part of the analysis.
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    Ray R. Harris, MBA, RSSA - Kiplinger Author Page

    Ray’s Kiplinger author profile highlights his work as founder and president of Social Security Claiming Experts and his focus on helping mass-affluent pre-retirees avoid irreversible Social Security filing mistakes.
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    Don't Let Low Tax Rates Lull You Into the Torpedo Zone

    Ray explains how the Social Security provisional income formula can create a tax torpedo for disciplined savers, potentially raising the effective marginal tax rate on IRA withdrawals and Social Security benefits.
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    Using Social Security To Mute Volatility, Manage Sequence-Of-Returns Risk

    Ray explains how Social Security timing can function as a volatility buffer. By coordinating delayed benefits with portfolio withdrawals, retirees may reduce sequence-of-returns risk and protect their long-term income floor.
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    How social security fits into a millionaire’s retirement

    The Daily Upside quotes Ray Harris on why Social Security claiming still matters for affluent retirees — explaining how Social Security can serve as an inflation-adjusted income floor, support surviving spouses, and help protect a retirement plan from poor market timing.
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Advisor

“Ray R. Harris is a contributor to Kiplinger's Adviser Intel program, where financial professionals share practical retirement, tax, and wealth-planning insights with Kiplinger's national readership.”

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