Social Security Employees Were Crying in the Office: Former Executive
Oct 20, 2025 at 11:58 AM EDT
Caroline Raker was quoted in this article discussing the internal workplace response to the Department of Government Efficiency’s leadership. The report describes Social Security employees in distress under new policy direction.
The article features commentary from former SSA Chief Data Officer Charles Borges, who raised concerns about Elon Musk’s DOGE updates, stating they posed risks to Americans’ data privacy, including personal information such as names, birthdays, and home addresses.
Older Parents May Be Missing Out on a Social Security Benefit That Could Keep Their Mortgage Manageable
November 6, 2025
Caroline Raker, Registered Social Security Analyst at Clarity Financial Services, is quoted in this article explaining the long-term impact of claiming Social Security early. Claiming benefits at 62 results in a permanent reduction, while waiting until Full Retirement Age (FRA) provides 100% of your earned benefit, and delaying to age 70 offers approximately 8% growth per year beyond FRA.
Raker also notes that if you claim your own benefit early—such as at age 63—your monthly payment will be permanently lower, but your child’s benefit is still based on your full FRA benefit amount.
Social Security scam alert: Senior citizens being targeted with fake letters. How to stay safe?
September 10, 2025
Caroline Raker, a Registered Social Security Analyst, is quoted in this Newsweek article offering guidance on how Americans can protect themselves from Social Security scams. Raker advised that anyone targeted should avoid clicking suspicious links or replying directly, and instead verify the claim through official government channels. She recommends reporting incidents to the Federal Trade Commission or the Social Security Administration’s Office of the Inspector General.
With more than 70 million Americans receiving Social Security benefits, staying informed and taking simple precautions can help reduce the risk of falling victim to scammers.
Social Security Update: New Warning Issued
Oct 09, 2025 at 01:00 PM EDT
Caroline Raker, Registered Social Security Analyst and owner of Clarity Financial, is quoted in this Newsweek article warning that a scam impersonating the Supreme Court—sent through letters, texts, or emails—can lead to identity theft, financial loss, and significant stress.
Raker advises that anyone contacted should avoid clicking links or replying, verify the claim using official government websites, and report the incident to the Federal Trade Commission or the SSA Office of the Inspector General.
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