For financial advisors, Medicare brokers and annuity producers
Optimal Social Security claiming, in a minute.
Every month from 62 to 70, run against your client's real earnings record — the answer, not a rule of thumb.
The Social Security layer your planning stack treats as a single tab. Billable across the book, with credentialed subject-matter expertise on the hard cases.
No Social Security number ever enters the platform.
Every monthly claiming age from 62 to 70, computed in code — not generated by a large language model (LLM).
SOC 2 Type I report issued. Type II examination under way.
A Registered Social Security Analyst® available on complex cases.
One-click earnings record with our Chrome extension — live on the Chrome Web Store.
Which of these is you?
Each door opens a page built for that conversation.
I advise clients
Not willingness — hours. A repeatable, billable claiming analysis across the mass-affluent middle of the book.
Client retention wins →I'm a Medicare broker
Commissions are capped. Your book is not. The clients you enroll at 65 are asking this question that same year.
Capped commissions, uncapped potential →I write annuities
Two checks become one. Model the survivor gap against the real record and open the income conversation.
Size the survivor gap →I'm deciding for myself
Every month from 62 to 70, on your own record — your optimal strategy from $49.
Take the free 2-minute quiz →identified for a client by Jackie Payne, RN, BSN, RSSA® — the founding case. Individual results vary.
of retirees in a United Income (2019) study claimed at the optimal time. The rest left an estimated ~$111,000 per household on the table.
Americans turn 65 every day through 2027 — and each one makes a permanent Social Security decision.
Who's behind MySSAgent
A Mother-Daughter Team on a Mission
Patrice Ayling
Founder
Jacqueline Payne, RN, BSN, RSSA®
Medicare insurance broker
After 40 years in nursing and healthcare advocacy, Jackie became a Registered Social Security Analyst® (RSSA®) — and saw how many households make a near-irreversible claiming decision with no one to ask.
Her daughter Patrice built the technology so the analysis takes about a minute instead of an afternoon. Jackie takes the cases software shouldn't decide alone.
Together, they created MySSAgent to bring expert-level guidance to everyone.
- Registered Social Security Analyst®
- Registered Nurse — 30 years
- NARSSA member
Before you open the demo
Eight questions, short answers.
How does MySSAgent calculate my optimal claiming strategy?
Our AI engine applies every SSA rule that fits your specific situation — across all 27 chapters of the Handbook: earnings history, marital status, health, spousal benefits, and more. We analyze every possible claiming age combination (62–70) and produce a personalized report showing your optimal filing month, expected lifetime benefits, and break-even analysis.
Is MySSAgent affiliated with the Social Security Administration?
No. MySSAgent is an independent, privately-owned tool. We are not affiliated with, endorsed by, or connected to the SSA or any government agency. All calculations are based on current SSA rules, which are subject to change.
Does my Social Security XML file contain my Social Security number?
No — and we can confirm this with certainty. We reviewed the official SSA XML schema at ssa.gov/developer/statement. The file contains no SSN field — not full, not partial, not even the last four digits. The SSA designed it this way intentionally.
What about WEP/GPO — does this apply to me?
The Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) were repealed under the Social Security Fairness Act, signed January 5, 2025. MySSAgent’s engine reflects this repeal. If you were previously affected by WEP/GPO, your benefits may have changed significantly — run an updated analysis to see your new optimal strategy.
What does the RSSA® expert review include?
Jackie Payne is a Registered Social Security Analyst® and licensed Medicare Insurance Broker. In the “Do It With Me” ($299) tier, you get a 60-minute consultation covering spousal coordination, earnings-test optimization, Medicare IRMAA impacts, and a final strategy confirmation before you file. The “Do It For Me” ($997) tier includes up to 4 hours of dedicated time for complex situations.
I’m a financial advisor. Can my whole firm use this?
Yes. Advisor licenses are priced by clients, not seats — a yearly bank of household analyses (couples count once, re-runs free). Professional is $1,990/yr (or $181/mo) for 25 household analyses; Premium (150 households/yr) and Enterprise contracts are sized on a quick call. See the live demo at myssagent.com/advisors — no account needed.
Can I use MySSAgent even if I have a financial advisor?
Absolutely. MySSAgent complements your advisor — it doesn't replace them. Our analysis gives you (and your advisor) data-driven insights on optimal claiming strategies, spousal coordination, and lifetime benefit projections. Many clients share their MySSAgent report with their advisor to inform the broader retirement planning conversation. We call this 'advisor strategy coordination' — we handle the Social Security optimization, your advisor handles the full financial picture.
Is my data secure?
We take security seriously. Your data is encrypted in transit (TLS) and at rest (AES-256). Our SOC 2 Type I report was issued by an independent CPA firm as of July 31, 2026, and a Type II examination is under way. We never sell your personal data, and we share it only with the service providers that run the platform. Your information is used only to generate your analysis.
See it on a sample household.
One near-irreversible decision. Every claiming month from 62 to 70, run against the real earnings record in about a minute — with a credentialed Registered Social Security Analyst® behind the hard cases.
The demo needs no account. The quiz needs no card.