Accessibility Statement Skip Navigation
  • Why PRWeb
  • How It Works
  • Who Uses It
  • Pricing
  • Login
  • GDPR
  • Create a Free Account
Return to PRWeb homepage
  • News
  • Resources
  • Contact
When typing in this field, a list of search results will appear and be automatically updated as you type.

Searching for your content...

No results found. Please change your search terms and try again.
  • News in Focus
      • Browse News Releases

      • All News Releases
      • Multimedia Gallery

      • All Multimedia
      • All Photos
      • All Videos
  • Business & Money
      • Auto & Transportation

      • Aerospace, Defense
      • Air Freight
      • Airlines & Aviation
      • Automotive
      • Maritime & Shipbuilding
      • Railroads and Intermodal Transportation
      • Supply Chain/Logistics
      • Transportation, Trucking & Railroad
      • Travel
      • Trucking and Road Transportation
      • View All Auto & Transportation

      • Business Technology

      • Blockchain
      • Broadcast Tech
      • Computer & Electronics
      • Computer Hardware
      • Computer Software
      • Data Analytics
      • Electronic Commerce
      • Electronic Components
      • Electronic Design Automation
      • Financial Technology
      • High Tech Security
      • Internet Technology
      • Nanotechnology
      • Networks
      • Peripherals
      • Semiconductors
      • View All Business Technology

      • Entertain­ment & Media

      • Advertising
      • Art
      • Books
      • Entertainment
      • Film and Motion Picture
      • Magazines
      • Music
      • Publishing & Information Services
      • Radio & Podcast
      • Television
      • View All Entertain­ment & Media

      • Financial Services & Investing

      • Accounting News & Issues
      • Acquisitions, Mergers and Takeovers
      • Banking & Financial Services
      • Bankruptcy
      • Bond & Stock Ratings
      • Conference Call Announcements
      • Contracts
      • Cryptocurrency
      • Dividends
      • Earnings
      • Earnings Forecasts & Projections
      • Financing Agreements
      • Insurance
      • Investments Opinions
      • Joint Ventures
      • Mutual Funds
      • Private Placement
      • Real Estate
      • Restructuring & Recapitalization
      • Sales Reports
      • Shareholder Activism
      • Shareholder Meetings
      • Stock Offering
      • Stock Split
      • Venture Capital
      • View All Financial Services & Investing

      • General Business

      • Awards
      • Commercial Real Estate
      • Corporate Expansion
      • Earnings
      • Environmental, Social and Governance (ESG)
      • Human Resource & Workforce Management
      • Licensing
      • New Products & Services
      • Obituaries
      • Outsourcing Businesses
      • Overseas Real Estate (non-US)
      • Personnel Announcements
      • Real Estate Transactions
      • Residential Real Estate
      • Small Business Services
      • Socially Responsible Investing
      • Surveys, Polls and Research
      • Trade Show News
      • View All General Business

  • Science & Tech
      • Consumer Technology

      • Artificial Intelligence
      • Blockchain
      • Cloud Computing/Internet of Things
      • Computer Electronics
      • Computer Hardware
      • Computer Software
      • Consumer Electronics
      • Cryptocurrency
      • Data Analytics
      • Electronic Commerce
      • Electronic Gaming
      • Financial Technology
      • Mobile Entertainment
      • Multimedia & Internet
      • Peripherals
      • Social Media
      • STEM (Science, Tech, Engineering, Math)
      • Supply Chain/Logistics
      • Wireless Communications
      • View All Consumer Technology

      • Energy & Natural Resources

      • Alternative Energies
      • Chemical
      • Electrical Utilities
      • Gas
      • General Manufacturing
      • Mining
      • Mining & Metals
      • Oil & Energy
      • Oil and Gas Discoveries
      • Utilities
      • Water Utilities
      • View All Energy & Natural Resources

      • Environ­ment

      • Conservation & Recycling
      • Environmental Issues
      • Environmental Policy
      • Environmental Products & Services
      • Green Technology
      • Natural Disasters
      • View All Environ­ment

      • Heavy Industry & Manufacturing

      • Aerospace & Defense
      • Agriculture
      • Chemical
      • Construction & Building
      • General Manufacturing
      • HVAC (Heating, Ventilation and Air-Conditioning)
      • Machinery
      • Machine Tools, Metalworking and Metallurgy
      • Mining
      • Mining & Metals
      • Paper, Forest Products & Containers
      • Precious Metals
      • Textiles
      • Tobacco
      • View All Heavy Industry & Manufacturing

      • Telecomm­unications

      • Carriers and Services
      • Mobile Entertainment
      • Networks
      • Peripherals
      • Telecommunications Equipment
      • Telecommunications Industry
      • VoIP (Voice over Internet Protocol)
      • Wireless Communications
      • View All Telecomm­unications

  • Lifestyle & Health
      • Consumer Products & Retail

      • Animals & Pets
      • Beers, Wines and Spirits
      • Beverages
      • Bridal Services
      • Cannabis
      • Cosmetics and Personal Care
      • Fashion
      • Food & Beverages
      • Furniture and Furnishings
      • Home Improvement
      • Household, Consumer & Cosmetics
      • Household Products
      • Jewelry
      • Non-Alcoholic Beverages
      • Office Products
      • Organic Food
      • Product Recalls
      • Restaurants
      • Retail
      • Supermarkets
      • Toys
      • View All Consumer Products & Retail

      • Entertain­ment & Media

      • Advertising
      • Art
      • Books
      • Entertainment
      • Film and Motion Picture
      • Magazines
      • Music
      • Publishing & Information Services
      • Radio & Podcast
      • Television
      • View All Entertain­ment & Media

      • Health

      • Biometrics
      • Biotechnology
      • Clinical Trials & Medical Discoveries
      • Dentistry
      • FDA Approval
      • Fitness/Wellness
      • Health Care & Hospitals
      • Health Insurance
      • Infection Control
      • International Medical Approval
      • Medical Equipment
      • Medical Pharmaceuticals
      • Mental Health
      • Pharmaceuticals
      • Supplementary Medicine
      • View All Health

      • Sports

      • General Sports
      • Outdoors, Camping & Hiking
      • Sporting Events
      • Sports Equipment & Accessories
      • View All Sports

      • Travel

      • Amusement Parks and Tourist Attractions
      • Gambling & Casinos
      • Hotels and Resorts
      • Leisure & Tourism
      • Outdoors, Camping & Hiking
      • Passenger Aviation
      • Travel Industry
      • View All Travel

  • Policy & Public Interest
      • Policy & Public Interest

      • Advocacy Group Opinion
      • Animal Welfare
      • Congressional & Presidential Campaigns
      • Corporate Social Responsibility
      • Domestic Policy
      • Economic News, Trends, Analysis
      • Education
      • Environmental
      • European Government
      • FDA Approval
      • Federal and State Legislation
      • Federal Executive Branch & Agency
      • Foreign Policy & International Affairs
      • Homeland Security
      • Labor & Union
      • Legal Issues
      • Natural Disasters
      • Not For Profit
      • Patent Law
      • Public Safety
      • Trade Policy
      • U.S. State Policy
      • View All Policy & Public Interest

  • People & Culture
      • People & Culture

      • Aboriginal, First Nations & Native American
      • African American
      • Asian American
      • Children
      • Diversity, Equity & Inclusion
      • Hispanic
      • Lesbian, Gay & Bisexual
      • Men's Interest
      • People with Disabilities
      • Religion
      • Senior Citizens
      • Veterans
      • Women
      • View All People & Culture

  • Hamburger menu
  • Cision PRWeb provides efficient communication tools to continuously engage with target audiences across multiple online channels
  • Create a Free Account
    • ALL CONTACT INFO
    • Contact Us


      11AM ET Sunday – 8PM ET Friday

  • Send a Release
  • Sign up
  • Log in
  • Resources
  • RSS
  • GDPR
  • News in Focus
    • Browse All News
    • Multimedia Gallery
  • Business & Money
    • Auto & Transportation
    • Business Technology
    • Entertain­ment & Media
    • Financial Services & Investing
    • General Business
  • Science & Tech
    • Consumer Technology
    • Energy & Natural Resources
    • Environ­ment
    • Heavy Industry & Manufacturing
    • Telecomm­unications
  • Lifestyle & Health
    • Consumer Products & Retail
    • Entertain­ment & Media
    • Health
    • Sports
    • Travel
  • Policy & Public Interest
  • People & Culture
    • People & Culture
  • Send a Release
  • Sign up
  • Log in
  • Resources
  • RSS
  • GDPR
  • Send a Release
  • Sign up
  • Log in
  • Resources
  • RSS
  • GDPR
  • Send a Release
  • Sign up
  • Log in
  • Resources
  • RSS
  • GDPR

National Social Security Advisor: Top Five Questions Boomers Ask about “Situational Social Security”
  • USA - English


News provided by

Premier Social Security Consulting

Jul 07, 2018, 03:00 ET

Share this article

Share toX

Share this article

Share toX

Professional advisors participate in an NSSA Advisor Social Security certificate program.
Professional advisors participate in an NSSA Advisor Social Security certificate program.

CINCINNATI (PRWEB) July 07, 2018 -- Maximizing Social Security income is the mission for Marc Kiner and Jim Blair of Premier Social Security Consulting in Cincinnati.

The unique situation of each family or individual, in fact, led Kiner to coin the phrase, “situational Social Security" and inspired the men to compile answers to the top five questions baby boomers ask about Social Security.

Relying on friends or family members for advice on Social Security is a big mistake. Everyone has a unique earnings history, health history, and economic situation. It’s more important than ever that retirees and those close to retirement weigh their options and coordinate spousal benefits.

Post this

"Everyone’s situation is different," said Kiner, "and married couples, singles, surviving spouses, children, divorced individuals and married couples with large age discrepancies should apply strategies compatible with their situations."

A married couple can leave as much as $150,000 on the table in Social Security benefits over a 30-year retirement by taking Social Security too early or neglecting to coordinate spousal benefits.

“Relying on friends or family members for advice on Social Security is a big mistake,” said Kiner. “Everyone has a unique earnings history, health history, and economic situation. It’s more important than ever that retirees and those close to retirement weigh their options and coordinate spousal benefits.”

Kiner and business partner Jim Blair, a career employee with the Social Security Administration, developed and teach the National Social Security Advisor (NSSA) certificate program to professional advisors. It’s the only accredited Social Security education program in the U.S., with more than 1,500 advisors earning the NSSA certificate since the program began in 2013.

After graduating from the NSSA program, advisors are competent to counsel clients on the best way to maximize Social Security benefits and answer numerous client questions.

“Retirees and those close to retirement need to weigh their options and coordinate spousal benefits,” said Blair. The federal government recently released budget figures that state the Social Security Trust Funds will operate in the red this year, four years earlier than anticipated. The fund is on track to be depleted in 2034, resulting in a 25 percent reduction in benefits paid to retirees unless Congress takes action.”

About 76 million Americans today are classified as baby boomers. Ten thousand boomers turn 65 years old every day in the U.S.

Kiner and Blair have compiled the top five questions baby boomers close to retirement ask about situational Social Security:

  • When should I claim Social Security? – People can take Social Security at age 62, but claiming early lowers your monthly payment permanently, said Blair. “Full Retirement Age (FRA) is age 66 or 67 right now, depending on your birthday. If you can work longer and wait until FRA or longer, you will receive a higher benefit.”
  • How are benefits calculated? – Social Security is calculated based on 35 years of indexed earnings, said Kiner. “A lot of people don’t know that. They may think it’s five or 10 years, but it’s 35. Earnings are inflation-adjusted from prior years to bring them up to today’s dollars.”
  • How does the earnings test affect my benefit? – “An earnings test is only based on your earned income until the month you reach FRA,” said Blair. “So if you take Social Security prior to FRA, your monthly benefit will be reduced if your earned income exceeds specified limits. The month you reach FRA, the earnings test goes away and you will earn your full benefit regardless of your earnings.”
  • Can I collect benefits from my spouse’s work record and is Restricted Application (coordinating spousal benefits) still available? – If you were born by Jan 1, 1954, you may file for benefits off your spouse’s work record by filing a Restricted Application. Then you can watch your own benefit grow eight percent per year until the age of 70, said Blair. “If you’re a younger baby boomer, you still need to coordinate spousal benefits. A professional advisor can help you determine the best formula from a myriad of options.”
  • Is my financial advisor knowledgeable about Social Security? – Not necessarily, said Kiner. “Those who engage in Social Security educational training increase their competence, clients and revenues. Select a financial advisor who is knowledgeable about Social Security, or you won’t get the best answers for your situation.”

"One of the biggest mistakes people make is walking into a Social Security office and asking a Social Security employee what your options are," added Kiner. “Employees are not there to counsel you. You’re not going to get a good answer.”

The National Social Security Advisor (NSSA®) certificate program is the only Social Security education program for professional advisors accredited by the Institute for Credentialing Excellence (ICE) in Washington, D.C. Professional advisors include financial advisors, insurance agents, certified public accountants, and enrolled agents.

Kiner, a 38-year certified public accountant, sold his CPA firm in 2012 to focus on Social Security education. Kiner and Blair formed their business in January, 2010, to help baby boomers understand and maximize their Social Security benefits.

NSSA program instruction takes a full day. Advisors who take the NSSA training course and pass an assessment are awarded an NSSA certificate.

The NSSA program is offered in 18 cities this year. Monthly NSSA webinars are also offered to provide additional Social Security education. Topics include: Social Security-related topics and articles; case studies; Social Security options software; marketing strategies; and advisor questions.

Advisors who take the NSSA course can contact Kiner and Blair any time with questions. Support also includes webinars, PowerPoint presentations and much more, said Blair.

For more information about the National Social Security Advisor certificate program, visit http://www.premiernssa.com, email Kiner at [email protected], or call him at (513) 247-0526.

Contact: Marc Kiner
Email: [email protected]
Phone: (513) 247-0526

About the National Social Security Advisor program:

Marc Kiner and Jim Blair are partners at Premier Social Security Consulting of Cincinnati, which teaches the National Social Security Advisor (NSSA) certificate program. The men educate professional advisors on the Social Security system so advisors can counsel clients on how to maximize Social Security income.

Marc Kiner, Premier Social Security Consulting, http://www.premiernssa.com, +1 513-247-0526, [email protected]

Modal title

From left are Jim Blair and Marc Kiner of Premier Living Social Security Consulting in Cincinnati. (Paula Norton Photo)
From left are Jim Blair and Marc Kiner of Premier Living Social Security Consulting in Cincinnati. (Paula Norton Photo)
Marc Kiner
Marc Kiner
Jim Blair
Jim Blair
From left are Jim Blair and Marc Kiner of Premier Living Social Security Consulting in Cincinnati. (Paula Norton Photo) Marc Kiner Jim Blair

Contact PRWeb

  • 11AM ET Sunday – 8PM ET Friday
  • Contact Us

About PRWeb

  • About PRWeb
  • Partners
  • Partnership Programs
  • Editorial Guidelines
  • Resources

Why PRWeb

  • Why PRWeb
  • How It Works
  • Who Uses It
  • Pricing

Accounts

  • Create a Free Account
  • Log in
  • Contact Us

Do not sell or share my personal information:

  • Submit via [email protected] 
  • Call Privacy toll-free: 877-297-8921

Contact Cision

Products

About

My Services
  • All News Releases
  • Online Member Center
  • ProfNet
Cision Distribution Helpline
888-776-0942
  • Legal
  • Site Map
  • RSS
  • Cookie Settings
Copyright © 2025 Cision US Inc.