Stewart Insurance Group

09/03/2026

☄️Social Security:
The 40-Quarter Rule

💥How long do I have to work to qualify for Social Security?”

👜Generally, you need 40 Social Security work credits to qualify for your own retirement benefit.

* 40 credits = approximately 10
years of work
* You can earn up to 4 credits per year
* The amount of earnings needed to earn a credit changes each year
* You don’t have to work 10 years continuously.
* Credits generally remain on your Social Security record even if you stop working for several years.

What if you don’t have 40 credits?

If you have fewer than 40 credits, you generally cannot receive your own Social Security retirement benefit based on your work record.

The 40 credits get you through the door. Your earnings history and claiming age help determine what you receive

04/13/2026

Saving money is not the same as having income.

This is one of the biggest misconceptions when it comes to retirement.
People focus on how much they’ve saved…
but not on how that money will actually show up for them later.
Because saving builds a balance.
But income builds stability.
And those are two completely different things.
Because at some point, your paycheck stops.
And when that happens, your money has to take over.
The question is…
will it?

Will it show up consistently?🤷🏽‍♀️
Will it last? 🤔
Will it give you peace? 😌

That’s where income planning comes in.💰💸

If you want help turning your savings and or retirement into income, DM me INCOME.



& Protect

10/28/2025

https://www.instagram.com/reel/DQR7D80jOTf/?igsh=MXJsdHJjd3JrZ3FwaQ==

10/15/2025

10/07/2025

I’m Rhonda , a licensed insurance broker, specializing in Medicare, Life Insurance, and Retirement Planning.

Over the years, I’ve helped countless individuals and families protect their health, income, and future. After seeing how confusing this process can be, I made it my mission to bring clarity where the industry brings chaos.

Here’s the truth:
If you don’t make a plan the system will choose one for you. And it usually won’t be in your favor.

That’s why I do what I do.

My role is simple:
✅ Help you understand your options
✅ Make sure you’re not overpaying or under-protected
✅ Guide you like family not like a salesperson

Whether you’re:
• Turning 65 and trying to make sense of Medicare,
• Protecting your loved ones with life insurance, or
• Preparing for a confident, stress-free retirement

I CAN HELP YOU! You don't have to figure it out alone.

No pressure. No confusion. No nonsense.

If you have questions, message me directly. I’ll always point you in the right direction even if you don’t choose to work with me.

Explore your options here:
👉 Official Website: https://www.bbeyondfinancial.com/rhonda

👉 Compare Plans Directly: insert your plan enroll link

&BeyondFinancial

Explore comprehensive insurance solutions at Benefits & Beyond Financial. We specialize in Medicare Plans, Life Insurance, Burial Insurance, Hospital Indemnity Plans, FERS, FEGLI, CSRS, VRS, Mortgage Protection, Rollovers (401k, 403B, IRA), Dental, Vision, and Hearing Plans, as well as Cancer, Heart...

11/24/2024

11/03/2024

10/13/2024

I once asked a very successful woman to share her secret with me.
She smiled and said to me..

“I started succeeding when stopped fighting small fighters.

I stopped fighting those who gossiped about me..

I stopped fighting for attention..

I stopped fighting to meet public expectation of me..

I stopped fighting for my rights with stupid people..

Some fights are not worth your time.