# MySSAgent — llms.txt
# https://llmstxt.org/
# Last verified against src/routes.manifest.mjs and the live pricing code: 2026-10-01

> MySSAgent is an AI-powered Social Security claiming-optimization platform. It runs a household's own earnings record against every claiming month from 62 to 70 and returns the strategy the rules produce, with the math done deterministically rather than estimated. It draws on the SSA Handbook, which runs 27 chapters. Founded by Patrice Ayling, with Jackie Payne, RSSA® Credentialed Consultant, as the credentialed analyst available on complex cases.

## About MySSAgent

MySSAgent helps advisors, Medicare brokers and individuals decide when to claim Social Security. The analysis covers spousal and survivor benefits, the earnings test, and Medicare IRMAA coordination. WEP and GPO were repealed in January 2025 by the Social Security Fairness Act, so MySSAgent applies no WEP or GPO offset.

- Website: https://myssagent.com
- Founded: 2025
- Based in: Cleveland, Ohio
- Operated by: Recognize Revenue Consulting LLC
- Security: SOC 2 Type I report issued September 14, 2026; Type II is in progress. See https://myssagent.com/security

## Who it serves

- [For Advisors](https://myssagent.com/advisors): Social Security software for RIAs and financial advisors. Recommended claiming strategies for every month from 62 to 70 on the client's real record, with white-label reports and API integrations.
- [For Medicare Brokers](https://myssagent.com/medicare-brokers): Turns the Social Security question clients ask at 65 into a separate advisory service. One click, no SSN, every month from 62 to 70. (The old /partner path redirects here.)
- [For Annuity Producers](https://myssagent.com/annuity-producers): Sizes the Social Security survivor gap against the household's real record. No opinion about products.
- [Individuals and couples](https://myssagent.com/pricing): One-time plans, listed below.

## Pricing (source: https://myssagent.com/pricing)

Advisors and brokers
- Professional: $1,990 per year, or $181 per month. A yearly bank of 25 household analyses, never seats. One analysis is one household; couples count once and re-runs for that household are free.
- Premium (150 households): contact for pricing.
- Enterprise: custom contract.
- Per-case expert work by an RSSA®: $300 simple, $550 couple or spousal, $950 complex.

Individuals and couples (one-time)
- Do It Yourself: $49. Full scenario analysis for ages 62 to 70, personalized strategy, PDF report.
- Do It With Me: $299. Everything in Do It Yourself plus a 60-minute consultation with an RSSA®.
- Do It For Me: $997. Everything in Do It With Me plus up to 4 hours of hands-on RSSA® time.
- 30-day money-back guarantee, no questions asked, on individual plans.

Free tools: the claiming-age comparison tool, the 2-minute quiz, the filing checklist, the spousal strategy guide and the MCP connector, all with no account.

## Key Pages

- [Home](https://myssagent.com/): The Optimal Social Security Claiming Platform
- [Pricing](https://myssagent.com/pricing): Advisor licenses by household, individual plans from $49
- [Use MySSAgent inside your AI assistant](https://myssagent.com/mcp): Hub for every assistant MySSAgent works in: where the numbers come from, advisor accounts, privacy, listings and support.
- [Use MySSAgent inside Claude](https://myssagent.com/mcp-claude): Listed in Claude's Connectors Directory. Advisors run MySSAgent's claiming engine inside Claude, one client household at a time; a free estimator is open to anyone. No account for the estimator, nothing stored, never your SSN.
- [Security and Trust Center](https://myssagent.com/security): SOC 2 Type I report, Type II in progress, and how client data is handled
- [How to Catch IRMAA Before Your Client Pays It](https://myssagent.com/how-to-catch-irmaa-before-your-client-pays-it): Webinar replay, transcript and walkthrough for Medicare brokers
- [Social Security Myths vs. Facts](https://myssagent.com/social-security-myths-vs-facts): Six common myths checked against SSA, CBO and IRS sources
- [The 6 Social Security Myths That Cost Americans Real Money](https://myssagent.com/blog/social-security-myths-that-cost-americans-real-money): Pillar article by Jackie Payne, RSSA®, and Patrice Ayling; six myths checked against SSA, CBO and IRS sources
- [About](https://myssagent.com/about): The mother-daughter team behind MySSAgent
- [Jackie Payne, RSSA®](https://myssagent.com/about/jackie-payne): RSSA® Credentialed Consultant, RN, BSN, Medicare Insurance Broker
- [Patrice Ayling](https://myssagent.com/about/patrice-ayling): Founder
- [FAQ](https://myssagent.com/faq): Frequently asked questions about the platform
- [Credentialing requirements](https://myssagent.com/faq/credentialing-requirements): Whether any regulator requires a credential to give Social Security claiming advice
- [SSAnalyzer alternative for advisors](https://myssagent.com/after-ssanalyzer): Side-by-side for advisors evaluating options
- [Claiming age tool](https://myssagent.com/claiming-tool): Compare the benefit at every claiming age from 62 to 70, with break-even age
- [Quiz](https://myssagent.com/quiz): Free 2-minute claiming quiz
- [Resources](https://myssagent.com/resources): Free checklist, spousal strategy guide, state tax guides and the library
- [Blog](https://myssagent.com/blog): Social Security optimization insights and analysis
- [State Tax Guide](https://myssagent.com/states): State-by-state Social Security tax information
- [Glossary](https://myssagent.com/learn/glossary): Social Security terms explained
- [Affiliate Program](https://myssagent.com/affiliate): For publishers and creators; 15% on every consumer plan, plus upgrades for 90 days after a referred purchase
- [Press](https://myssagent.com/press): Media contact, logos and headshots

## Discovery Library

- [Claiming Social Security Early for Your Healthiest Years](https://myssagent.com/library/healthspan-claiming): When front-loading benefits into healthy years can beat waiting to 70, and what Maxine models.
- [Decision Risk and Social Security Claiming](https://myssagent.com/library/decision-risk-social-security): Why claiming is an irreversible, high-stakes decision, and the advisor case for treating decision risk as a planning problem.
- [SECURE 2.0's Roth Catch-Up and Your Social Security Tax](https://myssagent.com/library/secure-2-0-roth-catch-up-social-security-tax): How the forced-Roth catch-up rule effective in 2026 affects the taxable share of Social Security later.
- [The widely repeated Social Security rule-count claim, explained](https://myssagent.com/library/2728-ssa-rules): Why the number is the Handbook's last section number rather than a count of rules, and what the Handbook actually contains.
- [Optimal vs. Recommended](https://myssagent.com/library/optimal-vs-recommended): The difference between the strategy the rules produce from your data and a recommendation, and how MySSAgent frames each.
- [RSSA vs Financial Advisor](https://myssagent.com/library/rssa-vs-financial-advisor): No regulator licenses Social Security advisors; what an RSSA® is, what an advisor is trained for, and what to ask before hiring either.
- [Optimal Social Security Strategy for Married Couples](https://myssagent.com/library/married-couple-claiming-strategies): Maximizing the household's combined lifetime benefit, with the spousal and survivor coordination math.
- [It Pays. Just Not on the Invoice](https://myssagent.com/library/it-pays-not-on-the-invoice-advisors): For advisors and RIAs, the retention case for offering Social Security advice whether or not it is billed.
- [Social Security Claiming Timing and the IRMAA Lookback](https://myssagent.com/library/irmaa-cliff-claiming): How claiming timing changes the MAGI that sets IRMAA two years later, and what Form SSA-44 does.
- [Medicare Part D in 2027](https://myssagent.com/library/part-d-2027-what-changed): What CMS changed in the Part D Premium Stabilization Demonstration and CY2027 bids, and what it means for AEP.
- [Pricing the Social Security Benefit-Cut Risk](https://myssagent.com/library/pricing-the-benefit-cut-risk): What a benefit reduction could cost an average couple, and why the 2032 and 2034 depletion dates are both right.
- [When "Delay to 70" Breaks](https://myssagent.com/library/who-else-is-on-the-record): Delaying to 70 is a strong default until someone else can claim on the same earnings record; family maximum and eligibility.
- [Social Security Claiming Software for Advisors (2026)](https://myssagent.com/library/social-security-claiming-software-for-advisors): Eighteen claiming tools, unranked, each described from its maker's own website, including how each says the client's earnings record gets in.
- [To Charge or Not? Social Security for Medicare Brokers](https://myssagent.com/library/to-charge-or-not-to-charge): Two honest answers brokers give about Social Security advice, and how to offer it free or paid.
- [Your Client's 2028 Medicare Premium Is Being Set This Year](https://myssagent.com/library/2028-medicare-premium-set-this-year): The Uncapped Broker, September 2026. IRMAA's two-year lookback, SSA-44 for this year's surcharge, and how a claiming date sets the 2028 premium.
- [Sixty-Two Comes Before Sixty-Five](https://myssagent.com/library/sixty-two-comes-before-sixty-five): The Uncapped Broker, October 2026. The claiming decision arrives on a broker's under-65 book three years before Medicare and moves the ACA subsidy now and IRMAA later.
- [2027 COLA and Medicare Part B](https://myssagent.com/library/social-security-medicare-2027): Every 2027 Social Security and Medicare figure labeled official or projected, sourced, and updated in place as SSA and CMS publish.

## Team

- **Patrice Ayling**: Founder. Built MySSAgent to put precise Social Security analysis into every retirement conversation.
- **Jackie Payne, RSSA®**: RSSA® Credentialed Consultant. Registered Social Security Analyst®, RN, BSN, Medicare Insurance Broker. Available for expert case work and consultations; not every report is reviewed by an RSSA®.

## What Makes MySSAgent Different

1. Draws on the SSA Handbook, which runs 27 chapters, rather than a simplified calculator
2. Analyzes spousal, survivor and Medicare coordination in one analysis
3. Math is deterministic; Maxine, the AI agent, explains results in plain language
4. An RSSA® Credentialed Consultant is available on complex cases
5. Independently owned, with no asset manager affiliation