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Secure Retirement Strategies

Secure Retirement Strategies is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances. 
 
Working with the non-profit Council of Financial Educators (COFE.org), we are proud leaders in the field of Retirement Education, specializing in Social Security workshops. Through nearly 9 years and 200 workshops in the Cincinnati/Northern KY area, we have educated thousands of retirees and pre-retirees and helped with their social security planning decisions.  We invite you to join us at our next workshop. To find out more, visit our Events section under the Resources tab to see when and where our next workshop is taking place.
 
Under our Resources tab, you will find our Blog, which heavily focuses on social security.  On the blog we share valuable insights based on years of experience and the many unique scenarios Rob has encountered throughout his career. Our mission is to empower you with the knowledge to make informed decisions that will benefit you and your family for years to come.

Retire with confidence

Our Planning Process

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

01

Start Smart

02

Apply Discipline

03

Communicate Progress

01

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life.

Inflation

Reduction in real purchasing power as the result of increasing cost of living.

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death.

Liquidity

Limited access to assets to meet life’s unexpected financial needs.

Market

Unexpected reduction in the value of financial assets at the time of withdrawal.

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

02

Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Our Services, Your Future

We take the time to thoroughly explore your needs no matter the stage of life you are in to help provide a custom tailored solution that we continue to monitor and adjust until the end of time.

Maximize the growth potential of your investable assets in accordance with your risk tolerance and financial goals.

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Support your retirement income plan with accumulation and tax-free distribution strategies in retirement.

Design an income plan that delivers dependable income and financial security throughout your retirement.

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate planning strategies.

Develop strategies to protect assets against the effects of inflation.

Ensure access to assets to meet life’s unexpected  needs.

Develop solutions for healthcare expenses not covered by Medicare, a federal health insurance program.

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

03

Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.

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Monthly Newsletter

Have a Question?

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Here For You

Meet The Team

Rob Sarnelli

Co-Founder, Social Security Specialist, and Retirement Planner 

Jeffrey Florence

Co-Founder, Protection Specialist

Maryanne Higgins

Medicare Specialist

RR

Retirement Resources

Complimentary Educational Resources

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Our Upcoming Events

Educational Events

Events in May–July 2025

  • There are no events scheduled during these dates.

Client Events

Events in May–July 2025

  • There are no events scheduled during these dates.

Our Downloads

Maximizing Social Security

What you need to know to get the most out of your benefit.

Financial Calculators

CalcXML Financial Calculators

PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.

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    1648 Woodfield Ct,
    Hebron, KY 41048

    (859) 992-2130

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      We are waiting to help you retire in confidence.

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      Contact Information:

      1648 Woodfield Ct,
      Hebron, KY 41048

      Phone: (859) 992-2130

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        Discover strategies for maximizing your Social Security benefit.

        For a complimentary copy of Maximizing Social Security: What You Need to Know to Get the Most Out of Your Benefit, complete the form below.





          Speak With Secure Retirement Strategies Today!





            Discover how to reduce the potential challenges of the investment landscape in retirement.

            To receive a complimentary copy of Maximizing Social Security, complete the form below.





              Discover strategies for mitigating 6 potential risks to retirement income.

              For a complimentary copy of 6 Real Financial Risks You Could Face in Retirement, complete the form below.





                Discover strategies for maximizing your Social Security benefit.

                For a complimentary copy of Maximizing Social Security: What You Need to Know to Get the Most Out of Your Benefit, complete the form below.





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                    Ask us a Social Security Question.

                    For a complimentary, no-obligation Social Security Quesiton, complete the form below.






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                        Rita Nelson

                        Office Manager

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                        Maryanne Higgins

                        Financial Advisor

                        Phone Number: 513-616-4993

                        Address: 808 Winterberry Ct.Villa Hills, KY  41017

                        Maryanne Higgins, Independent Licensed Health and Medicare Advisor since 2017.

                        Representing Medicare Supplement;  Advantage and Prescription Drug Plans for all the major carriers: Anthem, Atena, Humana, Medical Mutual, United Healthcare, Mutual of Omaha, and more.

                        I help with when to apply, how much it costs, and what options are best for YOU.  A NO COST NO OBLIGATION CONSULTATION.

                        Jeffrey Florence

                        Wealth Management

                        Phone Number: 513-227-8068
                        Address: 11977 Weeping Willow Ct. Loveland, OH 45140

                        Jeffrey Florence was raised in Warren County, attended Miami University, and has lived in Loveland for the past 36 years. Jeff specializes in insured, protected, and safe investing, creating lifetime income streams that cannot be outlived, and protecting assets from long-term care costs. He earned an MBA from Miami in 1987, a CLU (Chartered Life Underwriter) in 1990, and a ChFC (Chartered Financial Consultant) in 1994.

                        Rob Sarnelli

                        Co-Founder

                        Phone Number: 859-992-2130

                        Address: 1648 Woodfield Ct. Hebron, KY 41048

                        Rob Sarnelli has more than 38 years of experience in the financial services industry. Originally from New York, Rob graduated with a degree in finance from Fordham University in 1983. Upon graduation, he was recruited by the US Treasury Department and became a bank examiner with the Comptroller Of The Currency. In 1986 Rob joined John Hancock Financial Services where he spent 20 successful years as a registered representative and sales manager. In order to better meet the needs of his clients, Rob became a completely independent representative in 2006 with a focus on retirement planning. Through the years, he has achieved numerous elite-status producer levels with several companies. Rob has been married to Joyce for 11 years and has one daughter, Francesca. He currently resides in Hebron, Kentucky, and practices primarily in the greater Cincinnati/Northern Kentucky markets.

                        Discover the little-known strategy for realizing tax-free income in retirement.

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