About Rick

Rick Bonine’s journey through the intricate landscape of retirement planning began over two decades ago, marking him as a seasoned veteran in the field. With a career spanning 24 years, Rick has dedicated the lion's share of his professional life to understanding and assisting individuals with their retirement needs.

His foray into the financial sector commenced in 1993, where he obtained his Series 7 and Series 63 securities licenses. This early immersion laid the groundwork for his later specialization in health insurance, particularly within the realm of Medicare. For the past 19 years, Rick has honed his expertise in navigating the complexities of retirement planning, including Medicare, Social Security, Individual Health Insurance, earning him the reputation of a trusted advisor in the industry.

A significant chapter of Rick's career unfolded during his tenure as a market manager with Humana in the North Central region, where he served diligently for 11 years. This role provided invaluable insights into the intricacies of the healthcare market and solidified his commitment to serving the needs of Medicare beneficiaries.

In a bold move towards independence, Rick transitioned to become an independent broker and principal of Senior Steps Health Plans Inc. His agency stands as a beacon of impartiality in the realm of Medicare and retirement planning, offering tailored solutions to meet the diverse needs of his clientele.

With licenses spanning across multiple states including MN, ND, SD, WI, IN, MI, NC, and FL, Rick's reach extends far beyond his hometown. His satellite office on the bustling main street of Hibbing serves as a hub for clients hailing from International Falls, Ely, Hoyt Lakes, Virginia, Grand Rapids, Duluth, and beyond, encompassing the vast expanse of the iron range.

Rick's repertoire of offerings is as comprehensive as his knowledge base. Licensed, contracted, and certified to sell an array of insurance products, including Medicare Supplements, Medicare Advantage Plans, Medicare Cost Plans, Medicare Prescription Drug Plans, Dental, Vision, Life Insurance, Long-Term Care, Fixed & Indexed Annuities, Hospital Indemnity, Cancer & Critical Illness polices, as well as Social Security planning, he ensures that his clients have access to a spectrum of options to suit their individual needs.

Beyond the boardroom, Rick's life is enriched by his familial bonds and recreational pursuits. Residing in Plymouth with his wife Sue and their two adult children, Jack and Jesse, who reside in the west metro area, Rick finds solace and joy in the simple pleasures of life. Whether he's on the ice playing hockey, braving the chill for a spot of ice fishing, revving up the snowmobile, cruising the waters on the pontoon, or basking in the warmth of family and friends, Rick embodies a harmonious blend of professionalism and personal fulfillment. In his interactions with clients, he extends this warmth and authenticity, ensuring that each individual feels valued and empowered on their journey through the maze of retirment planning.

Rick recently shared, "One of my fondest grade school memories dates back to 4th grade at Maple Plain Elementary in Maple Plain, MN, part of the Orono School District. One day, our teacher announced a field trip to the Maple Plain Nursing Home. I was genuinely excited—partly because it meant getting out of class for half a day, but mostly because I thought it would be fun and interesting. I looked forward to hearing the residents’ stories, playing games with them, and learning about their lives and living arrangements. Looking back, I realize I may have been the only student who was actually eager to visit the nursing home. That experience sparked a lifelong respect and appreciation for older adults. Even today, I find great joy in connecting with, helping, and honoring those who are older, wiser, and deserving of our support and friendship."