John Ternus, Social Security Specialist
John Ternus
Financial Planner, Stonebridge Wealth Systems, LLC
Professional Profile
John’s goal is to help individuals and families bring clarity, confidence, and direction to their financial lives. After serving 22 years in the military, he observed how people with similar incomes could end up with vastly different outcomes based on their financial decisions. That experience drives his mission today—to help clients make informed, intentional choices that align their resources with what matters most to them.
As a holder of the NSSA® Social Security certification, John Ternus brings specialized knowledge of Social Security planning to every client relationship.
John is a CERTIFIED FINANCIAL PLANNER® professional and Chartered Financial Consultant® (ChFC®), providing client-first guidance across retirement planning, tax strategy, investment management, and estate considerations.
As a Tax Planning Certified Professional® (TPCP®), John designs tax-efficient strategies through every stage of life—from accumulation and pre-retirement to income distribution and legacy planning—guiding clients to keep more of what they’ve built. His National Social Security Advisor (NSSA®) certification further enhances his experience in optimizing benefits and coordinating income for retirement success.
With his Accredited Behavioral Finance Professional™ (ABFP™) background, John helps clients navigate the emotional side of money—bridging the gap between financial knowledge and confident action.
John earned his Bachelor of Science in Finance, graduating magna cum laude from the University of Maryland Global Campus, where he built a foundation in financial theory and investment analysis that supports his client-first approach today.
John believes true professionals never stop learning. Just as you expect your doctor to stay current, he believes financial advisors should be held to the same standard of ongoing education and care.
Based in Grand Island, Nebraska, John enjoys life outdoors with his wife, Amy, and their two sons. His mission is simple: to simplify the complex and help families make confident financial decisions that last a lifetime.
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How an NSSA® Certified Advisor Will Help You
An NSSA® Certified Advisor provides the knowledge and expertise needed to maximize your Social Security benefits and help you achieve a secure retirement.
Avoid Costly Social Security Claiming Mistakes
Navigating Social Security rules can be complex, and even small mistakes can cost you thousands of dollars in lost benefits. An NSSA® Certified Advisor ensures you make informed decisions and avoid costly errors.
Holistic Retirement Planning
An NSSA® Advisor integrates your Social Security strategy with your overall retirement plan, ensuring your assets work together to meet your financial goals and a clearer path to a secure future.
Guidance You Won’t Get from the Social Security Office
The Social Security office provides information but doesn’t offer personalized advice or strategies. An NSSA® Certified Advisor delivers tailored solutions based on your unique circumstances and goals.