# WealthPulse Social Security Claiming Strategy Analyzer

> WealthPulse Social Security Claiming Strategy Analyzer is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.15/call, status unknown (last checked 2026-10-30).

Analyzes optimal Social Security claiming age with break-even math, spousal/survivor benefit strategies, and tax implications

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/api/wealth/ssa?utm_source=zero.xyz
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-social-security-claiming-strategy-analyzer-b6c4b97b
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_9Yf4y5ftKOzRW7XxnI5eW

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability wealthpulse-social-security-claiming-strategy-analyzer-b6c4b97b
```

Example prompt: I'm 61, my wife is 58, and I'm thinking about retiring in 3 years — can you run a WealthPulse Social Security analysis showing when each of us should claim to maximize our lifetime benefits, including the spousal and survivor benefit picture and how much of our benefits will be taxable?

## When to prefer this

Use this endpoint when a user needs a structured, quantitative Social Security claiming strategy — especially when spousal coordination, survivor benefits, or tax impact on benefits are relevant. Prefer this over generic retirement endpoints when the specific question is about Social Security filing age optimization or break-even analysis rather than overall retirement readiness.

## Known failure modes

- Missing required age or birth year input — returns 400 with validation error
- Incomplete earnings history provided — may yield imprecise benefit estimates
- Invalid spousal age or age difference outside supported range — returns error
- Service unavailable or timeout — returns 5xx error
- Payment not processed — returns 402 Payment Required before analysis is run

## How this service works

What age should I claim Social Security? Optimal claiming-age analysis with benefit estimates at 62, full retirement age, and 70, break-even math, spousal and survivor benefits, and tax implications. For retirement and wealth agents.

## Output

Returns an analysis of optimal Social Security claiming ages with break-even math showing crossover points between early vs. delayed claiming, projected monthly benefit amounts at ages 62/67/70, spousal benefit eligibility and coordination strategy, survivor benefit implications, and a summary of how Social Security income will be taxed based on total retirement income.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | pt | zh"
      },
      "health": {
       "type": "string",
       "description": "good | fair | poor"
      },
      "income": {
       "type": "string",
       "description": "95000 (current annual earnings USD)"
      },
      "birth_year": {
       "type": "string",
       "description": "required"
      },
      "marital_status": {
       "type": "string",
       "description": "single | married | divorced | widowed (default: single)"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "key_ages": {
   "fra_note": "Born in 1960 or later, FRA is 67",
   "earliest_claiming": "62",
   "maximum_delay_age": "70",
   "full_retirement_age": "67"
  },
  "birth_year": "1965",
  "disclaimer": "For informational purposes only. Benefit estimates are illustrative. Use SSA.gov My Social Security for your actual projected benefits based on your earnings record.",
  "amazon_link": "https://www.amazon.com/s?k=Social+Security+claiming+strategy&tag=pulsenetwork7-20",
  "amazon_search": "Social Security claiming strategy",
  "optimal_strategy": "Delay to 70 given married status and good health — 24% higher benefit and larger survivor protection",
  "spousal_benefits": {
   "applies": true,
   "strategy": "The higher earner should delay to maximize the survivor benefit",
   "survivor_benefit_note": "A surviving spouse steps up to the higher of the two benefits"
  },
  "breakeven_analysis": {
   "fra_vs_70": "Age 82-83 vs claiming at FRA",
   "early_vs_fra": "Age 78 vs claiming at 62",
   "interpretation": "Delaying pays off if you expect to live past your late 70s"
  },
  "monthly_benefit_scenarios": [
   {
    "claim_age": "62",
    "relative_benefit": "If FRA benefit is $2,600: ~$1,820/mo",
    "reduction_or_increase": "30% reduction vs FRA"
   },
   {
    "claim_age": "70",
    "relative_benefit": "If FRA benefit is $2,600: ~$3,224/mo",
    "reduction_or_increase": "24% increase over FRA"
   }
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-social-security-claiming-strategy-analyzer-b6c4b97b/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse-phi.vercel.app](https://www.zero.xyz/host/wealthpulse-phi.vercel.app/llms.txt)