Researchers,
Educators,
and Advocates
Registered Social Security Analysts
An RSSA® is a Registered Social Security Analyst, a professional who specializes in Social Security income planning.
Working with an RSSA® can help you
maximize your Social Security benefits by determining the
optimal time to collect, and by helping you weigh important decisions such as
whether to take Medicare or stay on employer insurance.
We can help you figure out if your company insurance or Medicare is more beneficial to you and also help you figure out when is the best time to collect Social Security and maximize your benefits!
What Makes an RSSA® Different?
A Registered Social Security Analyst:
- Has been trained to advise clients on all applicable Social Security rules that apply to their claiming decisions
- Has demonstrated the knowledge required to deliver Social Security income planning services
- Is skilled at analyzing all possibilities to obtain the optimal claiming strategy for their clients
- Is proficient with cutting-edge Social Security maximization software
- Has passed the NARSSA national exam
- Meets ongoing continuing education requirements established by NARSSA
- Commits to high ethical standards and follows NARSSA’s professional code of conduct.
Why Choose to Work With an RSSA®?
Did you know there are over 2,700 rules governing the Social Security program?
Many financial professionals are
not familiar enough with these rules
and therefore cannot always provide accurate or trustworthy advice about your claiming decisions.
When you work with an RSSA®, you gain peace of mind knowing:
- Your advisor is trained in both the basics and complexities of Social Security
- They meet NARSSA’s continuing education requirements
- You are receiving advice that is authentic, trustworthy, and tailored to your unique situation
- Let us help ensure you receive
all the benefits you deserve.
Five Social Security Myths—Busted
Myth 1: Age 70 Is Always the Best Age to Collect Social Security
The Truth: While delaying until 70 maximizes your individual monthly benefit, it may not be the best choice for you. The optimal age depends on many factors—eligibility, marital status, life expectancy, and more.
Myth 2: You Can’t Work While Collecting Social Security
The Truth: You can work while collecting Social Security. If you are under your full retirement age (FRA), the Retirement Earnings Test applies. Exceeding the annual earnings limit can temporarily reduce your benefits.
Myth 3: Social Security Income Can’t Be Taxed
The Truth: Social Security can be taxed depending on your “combined income.” Up to 85% of your benefits may be federally taxable, and some states also impose taxes.
Myth 4: You Can’t Collect Benefits From an Ex-Spouse
The Truth: You may qualify for ex-spousal benefits if:
- You were married for more than 10 years
- You are currently single
- You are at least 62 years old
(If divorced for less than two years, your ex must already be collecting benefits.)
Myth 5: Social Security Will Soon Be Gone
The Truth: Social Security is a pay‑as‑you‑go system. Payroll taxes fund current retirees, and trust funds act as reserves. While changes may be needed in the future, the program itself is not disappearing.
Ready to Maximize Your Social Security?
An RSSA® can help you understand your options, make informed decisions, and confidently choose the path that best fits your financial goals.
Contact us today to schedule your consultation and start planning your optimal Social Security strategy.