Optimize your benefits with advice.

Get the Social Security Benefits You Deserve.

The average household loses over $110,000 in potential income by making the wrong Social Security claiming decisions. I can help you get the money you earned and are entitled to.
-Michael Appleby

Get Started Get Started

Get Your RSSA Social Security Roadmap

Your Situation is Unique

Don’t lose out on hundreds of thousands of dollars in lifetime benefits by making the wrong decision.

Married

You may be able to collect up to one-half of your spouse’s benefits.

Disabled

You may qualify for Social Security Disability Insurance benefits.

Self-employed

You may decrease your payroll taxes and still receive maximum benefits.

Divorced

You may qualify to receive Social Security benefits from your ex-spouse.

Widowed

You may qualify to receive survivor benefits that are greater than your own.

Immigrant

If you are a lawful permanent resident, you may qualify for Social Security.

Get the Most Out of Your Social Security Benefits

With hundreds (and sometimes thousands) of filing options, getting the most from Social Security can be a complex decision. As a Registered Social Security Analyst, I can help you answer common retirement questions like:

  • When is the best time to claim?
  • Can I get benefits from my ex?
  • What should I do if I'm self-employed?
  • Can my children get benefits?
  • What about dependents with disabilities
  • How will my pension impact my benefits?
  • And so much more...

At the completion of your analysis, you will be provided with a comprehensive planning report outlining your benefit considerations in a way you can easily understand; with instructions for when and how to file, calculations, definitions, and much more.

Couple walking on the beach
Michael Appleby

About Michael Appleby

Since 1986, I have been helping families and businesses secure their futures with Life Insurance, Annuities, and Health Insurance Solutions. 

Married to my beautiful wife Julia for 38 years, we have two sons, Austin and Jake, two daughter-in-laws, Lexie and Maria, and one grandson, Barrett.

Working with clients is my passion, but since 1990 I have also been involved in agency building, working with and training Insurance Professionals across the country and assisting insurance companies with the development and design of Life Insurance Products and their Process. 

Licensed to do business in all 50 states and Washington DC, I am positioned to help clients and insurance professionals throughout the United States. When I learned about the RSSA® Program, I immediately saw the need, especially with 2,700 rules associated with the Social Security Program.

Did you know that 96% of the people receiving Social Security Benefits made the wrong selection and those wrong decisions costs each recipient on average $111,000 over their lifetime? Did you also know that the Social Security employees are not permitted to help with your decision making process?

Our goal at Life Professionals is to fill this void and help as many people as we can to maximize their Social Security Benefits, as the need is great! 

Contact Life Professionals today to schedule your free, no obligation, one-on-one consultation with me, and to learn more about how we may be able to help you.