Short answer: Yes. Here’s how it works. Understanding Special Wage Payments Certain types of compensation—such as severance pay, bonuses, deferred compensation, back pay, and payouts for unused vacation or sick leave—are classified as Special Wage Payments. These [...]
Hey Everyone, As some of you may know, there’s been a lot of misinformation circulating about the taxation of Social Security benefits. A common misconception is that the "Big Beautiful Bill" (BBB) eliminates taxes on Social Security. [...]
If you attended my workshop you, I make it pretty clear that I'm not a social security disability expert. While I do understand the basics, I try to stay away from specific recommendations. Workshop attendees always ask [...]
If you're a current or former service member, it's important to understand how your military service impacts your Social Security benefits. Special earnings credits are available for military service between 1957 and 2001, and these credits can [...]
The special earnings limit rule is an exception to Social Security’s standard earnings test. Normally, if you're receiving retirement or survivor benefits and haven’t yet reached your Full Retirement Age (FRA), there's a cap on how much [...]
Social Security is an essential program that serves millions of Americans, but it’s also been subject to questions about fraud, waste, and abuse. As these issues are frequently raised, I believe it’s important to provide some clarity [...]
Racial Exclusion in the Original Social Security Act of 1935 As a cornerstone of the New Deal, the 1935 Act provided retirement benefits and unemployment insurance but excluded agricultural and domestic workers. These sectors, critical to the [...]
SUPREME COURT REVERSES MANDATED DISCRIMINATION - Califano v. Goldfarb (1977) The Issue: In simple terms, the case revolved around gender discrimination in the Social Security benefits system. A key aspect was the disparity in how surviving [...]
The Short Answer Is Both No and Yes While Social Security benefits are often viewed as an earned right, Congress retains the authority to alter, amend, or even repeal provisions of the Social Security Act. Section 1104 [...]
SSA's Transition to Stronger Identity Verification The Social Security Administration (SSA) is taking proactive steps to enhance the security of its services by implementing stronger identity verification procedures. These updates are aimed at safeguarding Social Security records [...]
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Office Manager
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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.
Wealth Management
Phone Number: 513-227-8068
Address: 11977 Weeping Willow Ct. Loveland, OH 45140
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.
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