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Welcome to our knowledge base on Retirement Planning, Medicare, Income, Disability, and Life Insurance. Whether you’re just starting out in your career or are already well into your retirement, it’s important to have a solid understanding of these topics to ensure your financial stability and well-being.

Latest Posts..

2025 Medicare Changes: What You Need to Know

On November 8, 2024, the Centers for Medicare & Medicaid Services (CMS) released the 2025 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs and the 2025 Medicare Part D income-related monthly adjustment amounts. These changes will impact millions of Americans and their access to healthcare. In this blog, we will delve into the key changes in Medicare Parts A and B and Part D to help you better understand how these adjustments may affect your healthcare costs in 2025.

Are you missing out on a once-in-a-decade opportunity to secure your retirement?

We’ve all experienced missed opportunities, from small regrets to larger ones that still sting. Today, I’m here to talk about a financial opportunity that could have a significant impact on your future: Interest rates are currently at a historic high, but this situation is expected to change in the future. As the Federal Reserve starts to ease monetary policy, interest rates are likely to decrease. By purchasing an annuity today, you can lock in a higher interest rate for the long term.

Our Top 3 Medicare Questions Answered! PPO vs. Medigap, Spouse Enrollment, and Employer Coverage at 65

Navigating Medicare can be overwhelming, especially when making the right decisions for your unique situation. During our Medicare 101 events, we frequently encounter three essential questions many people struggle with. Understanding the answers to these questions can help you make informed decisions and avoid potential pitfalls down the road.

The Hidden Iceberg of Retirement: Navigating Health Insurance Costs

As you approach retirement, it’s easy to get caught up in the excitement of planning your golden years. But one often overlooked factor that can significantly impact your retirement lifestyle is health insurance. In this post, we’ll discuss a common retirement planning pitfall and provide practical tips to help you navigate this important issue.

Maximizing Retirement Savings: How to Manage Sequence of Returns Risk

Retirement planning is a critical aspect of ensuring a financially secure and comfortable future. One of the lesser-known but significant factors that can impact your retirement savings is the Sequence of Returns risk. This risk can drastically affect your retirement portfolio depending on the order in which you experience investment gains and losses. In this blog, we’ll explore how the Sequence of Returns risk works, its potential effects on your retirement funds, and how strategies like Fixed Index Annuities (FIAs) can help mitigate these effects.

This Is How Annuities, IRA, and Roth IRA May Make Your Retirement Better

Investing is a crucial aspect of retirement planning, and individuals often explore various options to build wealth for the future. Annuities, Individual Retirement Accounts (IRAs), and Roth IRAs are popular and offer unique features and benefits. In this article, we will delve into the specifics of each investment option, discuss when they might be suitable and not the best choice, provide a comparison, explore alternative options, and offer insights into contribution strategies.

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Retirement Planning Essentials: Understanding Needs, Wants, and Wishes

Inspired by our recent YouTube Live session, we delve deep into the essentials of retirement planning using insights from the Money Guide Pro tool

Make sure to avoid these two Medicare mistakes before enrolling

Choosing a Medicare plan for the first time can be a complex and confusing process. With so many options and variables to consider, making mistakes can easily have significant financial and health consequences. These include not checking if your doctors are in-network and not ensuring that your prescriptions are covered, along with understanding co-pays. We’ll provide tips to help you make informed decisions and avoid these errors.

Medicare Guide to Parts A, B, C, D, and Medigap Plans

Almost 65 and wondering how Medicare works? In this blog, we will discuss the basics; who is eligible for Medicare, how to sign up for Medicare and cover the enrollment periods.

Can Your Wallet Handle Long-Term Care? Here is How To Plan Ahead

Planning for retirement is crucial, but don’t forget about potential long-term care (LTC) needs. As we live longer, the chance of needing help with daily activities increases. LTC can be expensive, so without a plan, your savings could dwindle fast.