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What do your sources of income and healthcare costs have to do with each other? And how do they effect your retirement? For starters, your income directly determines how much you will pay for your Medicare Part B premium. To make it more confusing, Social Security will look at your income two years ago in determining your present increase in Medicare premiums. Confusing right? This is just one of example of what is to come when you are entering the new phase of your life called retirement. This blog attempts to show you how your healthcare costs have a direct impact on your retirement planning.
Simple Guide to Risk Tolerance
Not sure how much risk is right for you? This simple guide explains risk tolerance, what affects it, and how to find an approach that aligns with your comfort level and financial goals.
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Active vs Passive Investing
When people start investing, one question comes up a lot: “Do I try to beat the market… or just follow it?” That’s exactly what active vs. passive investing is all about. Active Investing: Trying to WinActive investing is a hands-on..
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Understanding the difference between a Will & a Trust
Understand the differences between a will and a trust, including how each works, when they may be used, and how they relate to probate, privacy, and estate planning considerations.
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The Hidden Value of a Financial Plan
When people hear the term financial plan, they often picture spreadsheets, charts, or complicated investment reports. While those tools certainly play a role, the real value of financial planning usually goes much deeper than numbers...
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What Happens to Social Security When a Spouse Dies?
What happens to Social Security when a spouse dies? Learn survivor benefits rules, how payments change, and smart retirement planning strategies to help cover income gaps and protect your financial future.
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Bringing Clarity to the Financial Planning Process
Financial clarity starts with clear financial planning, retirement preparation, and a long-term investment strategy designed to help you feel confident about your financial future.
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Behavioral Finance 101
Behavioral finance explains how emotions influence money decisions. From loss aversion to herd behavior, understanding these biases can help you stay focused, avoid reactive choices, and stick to your long-term financial plan.
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Retirement Accounts & Taxes
Retirement accounts aren’t just about saving — they’re about when you pay taxes. Understanding the difference between traditional and Roth accounts can help you build flexibility and keep more of your money in retirement.
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Compound Interest: Why Small Decisions Add Up More Than You Think
Compound interest may seem boring, but it quietly makes a big difference. Small, steady savings grow over time as your money earns on itself. It’s not about perfect timing—just starting, staying patient, and letting time work.
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Online Medicare Scams: What are they & how to avoid them
Online Scams: What are they and how to avoid them.
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Changes in Prescription Costs
Medicare’s $2,000 Max Out-of-Pocket for Medications: What It Means for You!
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Medicare Prescription Payment Plan (M3P)
Pharmacy Bills Got You Down? The Medicare Prescription Payment Plan Has Your Back!
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2025 Financial and Medicare Changes
Every year, policies around the Financial and Medical industries change. This year is no exception. The goal of this piece is to outline a digestible number of changes so you can be more prepared to take on 2025.
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Preparing for Layoffs
No one likes thinking about possible layoffs. But with companies restructuring and shifting left and right, it’s smart to ask yourself, “What would I do if it happened to me?” Preparing now means you’ll be in control if things take a...
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The Rule of 72
Investors are always looking for large returns. The question is, how do we find them? We arrive at this answer with the Rule of 72.
Read MoreThe Affordable Way to Cover Funeral Costs
Is final expense insurance right for me? As we grow older, managing finances becomes increasingly important, especially for those living on a fixed income. A crucial part of this planning is addressing end-of-life expenses.
Read MoreMedicare Annual Enrollment Period is almost here!
Here is a quick list of tips to remember when choosing your Medicare plan for the upcoming year!
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