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AI agent for financial advisors

Social Security Claiming Strategy Agent

Compare claiming strategies on household outcomes and present a ranked, explained recommendation

DecisionsFinance
See how it worksGet access
Social Security Claiming Strategy Agent: what goes in, what the agent does and what you get

What it does

A couple at 62 and 60 asks when to claim and the advisor has only a rule of thumb. This agent reads the earnings records and spouse data, then models claiming ages for each person, including survivor benefits and spousal benefits. It checks each strategy against the household's other income, taxes and portfolio withdrawals and compares total lifetime income under several longevity assumptions. It ranks the options and shows the trade-offs. It reruns when assumptions change, such as a different life expectancy, a return rate or a new earnings record. It flags missing data, like years with no recorded earnings. The advisor approves the advice shown to the client. Edge case: a client in poor health is tested at a shorter life expectancy.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueYes, continueApprovedNoNo 1 STARTS WHEN Client nears claiming age or assumptions change 2 USES A TOOL Load earnings records and spouse data 3 CHECKS THE RESULT Is the earnings record complete and consistent? If not: Ask the client for missing records and reload.Back to step 2. 4 DOES Model claiming ages for each person 5 DOES Add survivor, spousal, tax and withdrawal effects 6 CHECKS THE RESULT Do results hold across the longevity assumptions? If not: Add scenarios and rerun the comparison. Back tostep 4. 7 DOES Rank the strategies and list trade-offs 8 YOU APPROVE Advisor approves the advice shown to the client 9 USES A TOOL Rerun with updated assumptions at the next review 10 RESULT Claiming strategy comparison
Read the steps as a list
  1. Client nears claiming age or assumptions change
  2. Load earnings records and spouse data
  3. Is the earnings record complete and consistent?If not: Ask the client for missing records and reload. Back to step 2.
  4. Model claiming ages for each person
  5. Add survivor, spousal, tax and withdrawal effects
  6. Do results hold across the longevity assumptions?If not: Add scenarios and rerun the comparison. Back to step 4.
  7. Rank the strategies and list trade-offs
  8. Advisor approves the advice shown to the clientThe agent waits here for your OK.
  9. Rerun with updated assumptions at the next review
  10. Claiming strategy comparison

How it decides

It ranks strategies by household income at several longevity points and by survivor protection, with taxes and withdrawals included.

  • Test at least three life expectancy assumptions
  • Include survivor benefits in every comparison
  • Include taxes on benefits and withdrawals
  • Flag years with no earnings record

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Longevity assumptions (default 82, 90 and 95)
  • Return and inflation assumptions (default advisor standard)
  • Strategies compared (default earliest, full retirement, 70)
  • Tax detail (default federal only)

What keeps you in control

It always asks you first

  • Advisor approves the advice presented to the client

Hard limits

  • Never file or claim on the client's behalf
  • Never promise benefit amounts
  • State all assumptions

It stops when

  • Done: Strategy chosen and documented by the advisor
  • Stop: Data cannot be verified, so hand to the advisor

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensFor clients aged 62 and 60, the first run finds 2 missing earnings years for the husband, so it asks for them. After the reload, the higher earner delaying to 70 and the lower earner claiming at 63 gives the most income at age 90 and the best survivor outcome. At age 82 the difference is small. The advisor approves showing 3 options.

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