WHO'S BEHIND MYSSAGENT
A Mother-Daughter Team on a Mission
We believe every American deserves the same expert-level Social Security guidance wealthy families get. The expertise was never scarce — just rationed.
Meet Patrice Ayling, Founder
Founder
AI Entrepreneur
Building tech that puts people first
My mother, Jacqueline Payne, had just earned her RSSA® — Registered Social Security Analyst — and was launching a new advisory service. She came to me for marketing. Run some campaigns, get the phone ringing.
I was in transition at the time, heads-down learning everything I could about AI.
So before I built her a funnel, I went and looked at what people actually had to work with. Three options, and not one of them was good:
- Free calculators that oversimplify the most consequential financial decision of your life
- Software built for financial professionals — powerful, and completely unusable if you aren't one
- A one-on-one consultation, priced out of reach for most of the households that need it most
The expertise existed. It just wasn't reaching anyone. Not because it was scarce — because it was rationed. A proper claiming analysis takes hours of a credentialed specialist's time, and there are only so many hours in a week.
I remember the exact thought: this is ripe for AI. I never ran the Facebook campaigns.
What I built instead. MySSAgent runs every claiming age from 62 to 70 against your actual earnings record — 291 scenario combinations for an individual, 296 for a couple, plus every interacting rule that applies to you: spousal, survivor, ex-spouse, earnings test. Then Maxine, Your Social Security AI Agent, explains the optimal strategy in plain language, in about five minutes. It doesn't get tired. It doesn't miss the edge case buried on page 40. Your Social Security number never enters the platform. Not once.
Why it works. My mom brings four decades in healthcare — three of them in nursing — and her RSSA® certification. She validates the rules the engine applies, and she takes the cases software shouldn't decide alone. I bring the technology, and I build it.
She found $147,000 for Lorraine — a widow who didn't know survivor benefits applied to her. That's not a projection. That's a real person, and real money.
96% of Americans claim in a way that costs them. The average household leaves about $111,000 on the table (United Income, 2019) — permanently, because you can't undo it. More than 11,200 people turn 65 every single day and walk up to that decision with almost no one to ask.
That's who this is for. Your $ MAXED.
Meet Jackie Payne, RN, BSN, RSSA®
RSSA® Certified
Registered Social Security Analyst®
Medicare Insurance Broker
After 30 years as a registered nurse, I stepped out of direct care and into advocacy—becoming a Medicare broker to help people navigate health insurance in retirement.
Five years of enrolling clients in Medicare and supplement plans taught me something: people needed help with more than just healthcare coverage. They needed someone to help them claim the benefits they'd already earned.
Becoming a Registered Social Security Analyst® was the logical next step. That's when I discovered a troubling truth: Americans routinely miss out on thousands of dollars in benefits because most people cannot understand the hundreds of complex rules that determine their benefits. Claiming at the wrong time isn't just an unfortunate decision—it's the single most expensive financial mistake most Americans will ever make.
So I partnered with my daughter Patrice, an entrepreneur, to build MySSAgent: an AI agent that analyzes hundreds of scenarios in minutes, with optional expert review for additional peace of mind.
Your money, every dollar - MAXIMIZED. That's our North Star.
Credentials & Trust
Our Mission
No American should lose $100,000 because they couldn't access expert guidance.
We combine decades of human expertise with AI technology to make personalized claiming strategies accessible to everyone — not just the wealthy few.