Podcasts about medicare supplement plans

Market volatility is inevitable—but it doesn't have to be a setback. In this episode, retirement planners Loren Merkle and Clint Huntrods join host Molly Nelson to help you rethink volatility as an opportunity. They explain how two proactive strategies, dollar-cost averaging and Roth conversions, can turn down markets into powerful moments for long-term retirement growth.Clint breaks down dollar-cost averaging with a five-month example, showing how a consistent $1,000 monthly investment during a volatile market could result in purchasing more shares at lower prices—lowering the average cost per share to $37.45 compared to a $50 lump sum investment. It's a clear demonstration of how strategy can outperform timing when it comes to building long-term value in your retirement portfolio.The episode also covers what a recession-resistant retirement plan really looks like and how it can offer you stability, confidence, and control. --Ready to take the next step? Schedule a call now at https://bit.ly/4dldSPN to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/45fhnoK

Health care is one of the most misunderstood—and potentially costly—parts of retirement. In this episode of Retiring Today, we analyze three common health care traps that can affect your income, confidence, and quality of life in retirement. From Medicare premiums to long-term care expenses, these health care traps can be avoided with proactive planning. Here's a quick look at each trap and how to prepare for it:Trap #1: Failing to Plan for Extra CostsMany retirees overlook out-of-pocket expenses like copays, dental, and prescriptions. Planning for these costs within your income plan helps avoid stress when unexpected bills arise.Trap #2: Underestimating Medicare PremiumsMedicare premiums are based on income from two years prior. A sudden rise in income can push you into a higher premium tier—sometimes over $600/month. Coordinated planning helps avoid these surprises.Trap #3: Ignoring Long-Term Care NeedsAbout 70% of people over age 65 will need some form of long-term care. Medicare covers only limited days of skilled nursing care, and extended care needs can quickly drain savings. We cover options that can help manage this risk.--Ready to take the next step? Schedule a call now at https://bit.ly/3SwjxIU to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3Z7bF4k--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/AnnaMarie MorrowDirector of Medicare & Long-Term Carehttps://merkleretirementplanning.com/staff-members/annamarie-morrow/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

A common misconception is that retirement always brings a lower tax bill, but without proactive planning, taxes can quietly become one of your biggest retirement expenses. In this episode of Retiring Today with Loren Merkle, we clear up this myth and walk through four tax traps that could lead to unnecessary tax bills in retirement.--Ready to take the next step? Schedule a call now at https://bit.ly/3EXgxlJ to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/4k6l4S1--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Chawn HonkompCFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Are you focused too much on your investments as you approach retirement? In this episode of Retiring Today, we dive into three critical investment traps that retirees should avoid when planning for retirement:Investment Hyperfocus: Over-focusing on day-to-day market fluctuations or portfolio balances while overlooking other areas of retirement planning. Taking Unintended Risk: Failing to assess and manage risk or update allocations to meet retirement goals can lead to unintended investment risk.Making Return Assumptions: Relying on overly optimistic investment return projections can impact decision-making and affect the long-term strength of a retirement plan.--Ready to take the next step? Schedule a call now at https://bit.ly/4iza5ze to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3YkiM9q--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Clint HuntrodsCertified Financial Fiduciary®, PhDhttps://merkleretirementplanning.com/staff-members/clint-huntrods/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

What if the way you withdraw your money in retirement matters just as much as how you saved it? The truth is, not all retirement income is taxed the same—and how you take distributions can dramatically impact how much you actually get to keep.In this episode, we break it all down with a hypothetical case study that follows a woman named Sherri and shows how thoughtful tax planning gave her over $10,000 more in annual retirement income—without saving another dime. We also walk through three strategies that can help lower your tax bill in retirement and potentially leave you with more in spendable income each year. Lowering your tax bill in retirement doesn't happen by accident. It takes planning, strategy, and the right timing. This episode shows you how to take control—and keep more of what you've worked so hard to save.--Ready to take the next step? Schedule a call now at https://bit.ly/3RdY2w6 to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3Yx3ONf

Are you 10 years or less from retirement and wondering where to begin with retirement planning? We walk through your essential retirement checklist to help you get organized, reduce risks, and gain lasting confidence in your retirement journey. If you're ready to feel more organized and more confident as you transition into retirement, this episode is a great place to start.--Ready to take the next step? Schedule a call now at https://bit.ly/3XLjVqf to get answers to your retirement questions. Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3YkJM8A--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Your 401(k) is a significant part of your retirement savings—but what should you do with it once you retire? In this video, we'll break down your options, highlight potential risks, and help you make informed decisions about your 401(k).Every retirement journey is unique, and your 401(k) strategy should align with your personal goals.--Ready to take the next step? Schedule a call now at https://bit.ly/4c4cq3A to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/4hN2mx7--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Clint HuntrodsCertified Financial Fiduciary®, PhDhttps://merkleretirementplanning.com/staff-members/clint-huntrods/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/-- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Most retirees don't realize it, but RMDs aren't just mandatory—they can be a tax time bomb waiting to happen. Without planning, they could push you into a higher tax bracket, costing you more in taxes than expected. Today, we break down the latest RMD rules, penalties, and tax strategies to help you keep more of your money in retirement. We also walk through a hypothetical case study featuring Paul, a 57-year-old with a $1 million IRA. We compare two scenarios for Paul at his RMD age of 75:

  Medicare Supplement Plans offer many options to cover gaps in your client's coverage. Learn more about plans K, L, M, and N to help your client find the right one for them.   Read the text version    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Medicare Part A and Part B Premiums and Deductibles: https://ritterim.com/blog/2025-medicare-part-a-and-part-b-premiums-and-deductibles/ Events & Webinars with Ritter: https://ritterim.com/events/ Get a FREE Portfolio Review: https://ritterim.com/portfolio/ The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://lnk.to/ASGtedsims   References: “Compare Medigap Plan Benefits.” Medicare, Medicare, https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits. Accessed 29 Jan. 2025. Freed, Meredith, Nancy Ochieng, et al. “Key Facts about Medigap Enrollment and Premiums for Medicare Beneficiaries.” KFF, KFF, 18 Oct. 2024, https://www.kff.org/medicare/issue-brief/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/. “Market Advisor.” CSG Actuarial, CSG Actuarial, https://csg-actuarial-wordpress.appspot.com/software/market-advisor/. Accessed 29 Jan. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Will your retirement savings last as long as you do? Many retirees worry about running out of money, especially as life expectancies increase. Retirement planners Loren Merkle and Chawn Honkomp discuss creating a retirement strategy that accounts for longevity. According to the Social Security Administration, a man turning 65 today is projected to live until 84, while a woman is expected to reach 86 1/2. One in three retirees who turn 65 will live to age 90, and one in seven will reach 95. These numbers highlight the need to account for longevity in your retirement plan. In this episode, we talk about building retirement plans that last until age 100. While many retirees may not expect to live that long, building a plan that accounts for longevity can help you make your retirement savings last throughout all phases of retirement. Whether you're five or ten years away from retirement, now is the time to take control. With a customized retirement plan, you can enter retirement feeling confident, secure, and excited about the years ahead.--

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4h5HnWq Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://merkleretirementplanning.com/all-online-events/ Did you know that 48% of people retire earlier than they expected? A recent study reveals surprising reasons why, ranging from unexpected health issues to changes at work and even financial readiness. In this episode of Retiring Today with Loren Merkle, we dive deep into the findings and what they mean for your retirement journey.We also answer two common viewer questions: “How do I get my money in retirement?” and “How difficult is it to start getting the money?” Loren Merkle and Chawn Honkomp give clear, straightforward answers to help you feel confident about your retirement income plan. Don't leave your retirement to chance! We share actionable steps to help you prepare for an early retirement— whether it's by choice or unexpected circumstances. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3Pq2l6C Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://merkleretirementplanning.com/all-online-events/ Ready to unlock the full potential of your Roth IRA? In this episode of Retiring Today with Loren Merkle, we explore the essential rules, limits, and strategies you need to know to create a purposeful and comprehensive retirement plan. Whether you're just starting to think about retirement or refining your retirement plan, this video is your complete guide to navigating the complexities of Roth IRAs. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Clint Huntrods, CERTIFIED FINANCIAL FIDUCIARY®, PhD, Retirement Planner https://merkleretirementplanning.com/staff-members/clint-huntrods/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3ZW4ZpA Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B Just like you wouldn't buy a car without a test drive, you should put your retirement plan through a trial run. Discover how to simulate your retirement lifestyle, stress-test your financial strategies, and make any adjustments before you actually retire. Test driving lets you check comfort and performance. Try living on your projected retirement budget and see if that fits your lifestyle needs. Test drive in different conditions. Stress-test your portfolio against different market scenarios and assess the right level of risk for you. Test drive multiple scenarios to compare options. What should you do for Social Security or health care? Comparing your options allows you to make the best choice for your retirement plan. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3Zqh7i3 Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B Collecting Social Security benefits is an important part of every retirement income plan, but the process can be complicated and confusing. In this episode of Retiring Today with Loren Merkle, we examine seven Social Security headlines and determine whether they are fact or fiction. These seven statements are vetted out in this episode. 1. Fact or Fiction: Social Security will run out of money before I retire. 2. Fact or Fiction: The surviving spouse, at full retirement age, generally gets 100% of the worker's basic benefit amount. 3. Fact or Fiction: An ex-spouse's benefit comes out of your own benefit. 4. Fact or Fiction: Social Security is all I need in retirement. 5. Fact or Fiction: I won't pay taxes on my Social Security benefit. 6. Fact or Fiction: Social Security is based on my top 35 wage-earning years. 7. Fact or Fiction: The annual COLA is guaranteed. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/49mxO2z Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1BOverwhelmed with all the options when it comes to Medicare in 2025? In this episode of Retiring Today, we break down the most critical Medicare updates that will help you make the best decisions for your retirement plan.Key topics:- A comprehensive breakdown of Medicare Parts A, B, C, and D- IRMAA and its impact on your Medicare premiums- Your Medicare options if you work past age 65- The triple tax advantage of HSAs- Complete explanation of the $2000 out-of-pocket maximums for Medicare Part DLoren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®https://merkleretirementplanning.com/staff-members/loren-merkle/AnnaMarie Morrow, Director of Medicarehttps://merkleretirementplanning.com/staff-members/annamarie-morrow/Molly Nelson, Host of Retiring Todayhttps://merkleretirementplanning.com/staff-members/molly-nelson/Chapter  00:00 Introduction00:29 The Inflation Reduction Act01:06 Medicare Part A, B, C, D02:33 Modified Adjusted Gross Income and IRMAA05:23 Medicare Planning in Your 50's06:22 Insulin Changes and Out-of-Pocket Maximums08:34 What To Do If You're Working Past 6510:30 The Triple Tax Benefit of HSAs12:10 What To Do If You Have Dependants on Your Insurance13:22 Out-of-Pocket Maximums Breakdown15:03 Annual Enrollment Period15:41 Medicare is not Set-It and Forget-It17:09 Inflation Reduction Act Section 155718:00 Outro--  This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC.  MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4eC5nPh Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B April 15th is an important tax date, but it may not be the most important when it comes to tax planning. In this episode of Retiring Today, we give you 5 strategies to think about when it comes to year-end tax planning. Learn why December 31st is so important when maximizing your tax benefits and retirement savings. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Haley Gutschenritter, CERTIFIED FINANCIAL PLANNER™https://merkleretirementplanning.com/staff-members/haley-gutschenritter/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

In this episode of Retiring Today, host Molly Nelson and retirement planner Loren Merkle discuss the basics of Individual Retirement Accounts (IRAs). Learn about the evolution of IRAs since their creation in 1974, the tax advantages of making contributions, and the significance of rollover strategies from employer-sponsored plans, like a 401(k) or 403(b). They also discuss the impact of the sequence of returns risk for retirees, required minimum distributions (RMDs) and their tax implications, and the potential tax benefits of Qualified Charitable Distributions (QCDs). Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3AByl3Q Register for our next Journey to Retirement Online Workshop to learn about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B  In this episode of Retiring Today, we explore how inflation affects your retirement savings and discuss strategies to protect your nest egg. Learn essential retirement planning concepts to maintain your purchasing power throughout your retirement. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Clint Huntrods, CERTIFIED FINANCIAL FIDUCIARY®, PhD, Retirement Planner https://merkleretirementplanning.com/staff-members/clint-huntrods/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ --   This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.  Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC.  MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Expert Insights on Health Insurance, with Bill Neglia, Neglia Insurance (North Fulton Business Radio, Episode 815) In this episode of North Fulton Business Radio, host John Ray welcomes returning guest Bill Neglia from the Neglia Insurance Group. They discuss the intricacies of open enrollment for health insurance, particularly notable changes for the current year, and […] The post Expert Insights on Health Insurance, with Bill Neglia, Neglia Insurance Group appeared first on Business RadioX ®.

Expert Insights on Health Insurance, with Bill Neglia, Neglia Insurance (North Fulton Business Radio, Episode 815) In this episode of North Fulton Business Radio, host John Ray welcomes returning guest Bill Neglia from the Neglia Insurance Group. They discuss the intricacies of open enrollment for health insurance, particularly notable changes for the current year, and […]

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4eaBLrW Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B In this week's episode of Retiring Today, host Molly Nelson and retirement planners Loren Merkle and Clint Huntrods, discuss the six essential pillars of a comprehensive retirement plan. They dive into the "RetireSecure Roadmap," a visual representation of the retirement plans we help families and individuals build. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Clint Huntrods, CERTIFIED FINANCIAL FIDUCIARY®, PhD, Retirement Planner https://merkleretirementplanning.com/staff-members/clint-huntrods/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4gXJY5o Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B In this episode of Retiring Today, Molly Nelson and Loren Merkle, along with AnnaMarie Morrow, Director of Medicare at Merkle Retirement Planning, dive into the critical Medicare changes coming in 2025. - Understand Medicare Part D and its significance. - Important updates for 2025 Medicare Part D plans. - Key Medicare legislation changes from 2022 to 2029. - Strategies to avoid unexpected prescription drug costs. - How to account for health care as part of your overall retirement plan. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ AnnaMarie Morrow, Director of Medicare https://merkleretirementplanning.com/staff-members/annamarie-morrow/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

In this episode of Insurance Talk, Cheri Martinen from Bancorp Insurance dives into the Medicare Annual Election Period, explaining the ins and outs of Medicare Parts A and B, Medicare Supplement Plans, Medicare Advantage Plans, and Part D Prescription Drug Plans. Learn how to navigate your Medicare options, avoid unexpected medical costs, and make informed decisions about your health coverage. Don't miss out on valuable tips for saving money and protecting your financial future during this critical enrollment period!

I am pleased to offer our experts from JD Power Award Winning BlueKC (Blue Cross and Blue Shield of Kansas City) to lay out their new, 2025 Medicare Supplement options and tell us more about why some companies are also withdrawing their Medicare Advantage plans in 2025. Our Experts from BlueKC are: Barron Roberts, Manager of Small Group, Medicare and Individual Sales; Barb Bins, Broker Development and Engagement Manager, and Ryan Roth, Department Vice President of Sales. Here we go into open enrollment for AEP and open enrollment for the individual plans in November for Obamacare, ACA and this team will tell us what we need to know. Small Group, Large Group is also discussed. Even though the information presented in this episode is specific to the Kansas City Metro market, we will also run the episode nationally because the information presented can be used to inform and to compare offerings available in other areas. To learn More, visit https://www.bluekc.com or call 1-800-867-9014 This is Season 20, Episode 28. I'm Cary Hall, America's Healthcare Advocate, and if you need help or have something to share, contact me Cary Hall, America's Healthcare Advocate at https://www.americashealthcareadvocate.com/contact-us And let me know what's on your mind, issues you are dealing with, or other health, healthcare, and health insurance questions and concerns

The initial segment contains our Medicare Advantage Minute. Here, the government brings a premature end to their experimental MA hospice benefit. On the Wikipedia page regarding Medicare, we wallow in the actuarial magic of reimbursement calculations. This episode culminates with the official position statement of Medicare for the Lazy Man when it comes to Medicare supplement Plan N. Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)   Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

In this video, I address one of the most frequently asked questions I receive: "Should I get a Medicare Supplement plan?" I delve into the benefits and considerations, helping you understand if a Medicare Supplement plan is the right choice for you. Don't forget to like and subscribe for more videos! Helping people in 46 states! Call us to see if we can help you! 801-255-5340 Visit our website for more information: www.christianbrindleinsuranceservices.com #Medicare#Medigap#Insurance #HealthInsurance #Health#Healthcare#Medicaresupplement#MedicareAdvantage #Medicare2024#Medicarehealthplan#InsuranceAgent#MedicarePodcast Medicare, Medigap, Medicare Supplement, Insurance, Health Insurance, Health, Healthcare, HAS, Retire, Retirement, Social Security, Christian Brindle, FICA, Medicare Podcast, Medicare Advantage, Medicaid, Medicare Part A, Medicare Part B, FICA, FICA Tax, Retirement, Retire

  Finding gaps in your client's Original Medicare coverage? Make sure your clients are getting the coverage they need by offering Medicare Supplements. Get the 101 breakdown and more in this episode!   Understanding Medicare Supplements Knight School - FREE Online Training   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: A Comprehensive Guide to Medicare Supplement Underwriting FREE eBook Download: https://ritterim.com/med-supp-underwriting-guide/ Finding the Best Medicare Supplement Plan Letter for Your Client: https://link.chtbl.com/ASG480 Getting Started Selling Medicare Supplements: https://link.chtbl.com/ASG497 Knight School Med Supp benefit PDF: https://ritterim.com/downloads/knight-school-medicare-supplement-breakdown.pdf The Complete Guide on How to Sell Medicare Supplements FREE eBook Download: https://ritterim.com/med-supp-ebook/   References: Compare Medigap Plan Benefits: https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits Get Medigap Basics: https://www.medicare.gov/health-drug-plans/medigap/basics What's Medicare Supplement Insurance (Medigap)? https://www.medicare.gov/health-drug-plans/medigap   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

Christian Brindle Insurance Services is a Medicare specialized agency located in Sandy Utah. Christian hosts the most popular Medicare podcast on the internet called The Everything Medicare Podcast, written and published two books about Medicare, and is the founder of his own company that is dedicated to helping people on Medicare everywhere. Don't forget to like and subscribe for more videos! Helping people in 46 states! Call us to see if we can help you! 801-255-5340 Visit our website for more information: www.christianbrindleinsuranceservices.com #Medicare#Medigap#Insurance #HealthInsurance #Health#Healthcare#Medicaresupplement#MedicareAdvantage #Medicare2024#Medicarehealthplan#InsuranceAgent#MedicarePodcast Medicare, Medigap, Medicare Supplement, Insurance, Health Insurance, Health, Healthcare, HAS, Retire, Retirement, Social Security, Christian Brindle, FICA, Medicare Podcast, Medicare Advantage, Medicaid, Medicare Part A, Medicare Part B, FICA, FICA Tax, Retirement, Retire

Also, learn about three very rare Medicare Advantage plans you just might like: 1) HMO-POS (Health Maintenance Organization - Point Of Service) 2) PFFS (Private Fee-For-Service) 3) Medicare MSA (Medical Savings Account)  Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)   Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Also, enjoy a taste of early Cave Creek history! Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)   Inspired by: "MEDICARE FOR THE LAZY MAN 2024; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com.

AI Outlook So Far Microsoft spent about $7 million per 30 second ad for the Super Bowl promoting their Copilot AI service. Some results are not coming in so good for Copilot with some testers after using the software for more than six months said it was useful but doesn't live up to its price. Another survey adopter said the initial excitement wears off with a 20% drop in use after only a month. Executives at Microsoft expected billions of dollars in new revenue as their search engine Bing would take market share from Google. Unfortunately, nearly a year later Bing has only seen less than a one percent gain in market share. A survey from Boston consulting group said that roughly 90% of business executives said generative AI is a priority for the company this year; however, 66% said it would take a couple years for the technology to move beyond the hype. 70% of those executives said they were only going to do small investments with limited testing. I've been concerned about the over hype of the money going into AI and the return on investment taking years to payoff. This would not be the first time on Wall Street that the hype sent stocks into orbit, only to come back down to earth when reality set in. Investing in Technology More strange news with the markets. As of the week ending February 9th, the NASDAQ was up 6.5% this year and the S&P 500, which is also heavily weighted in tech companies had increased 5.4% in 2024. This compares to a return of just 0.84% for the broader Russell 2000 index. The S&P 500 has increased 14 of the last 15 weeks something we have not seen since the end of 1972. I'm not saying the market is going to crash tomorrow, but the 73/74 market period had a very long bear market. The difference here is that our market is so concentrated in technology that I think we could see a bear market, but many companies will still gain going forward because of the great value that has been ignored. Another example of exuberance in technology would be that fact that since the 2008 financial crisis, US companies with dividends above 5% gave investors a return of 450%. Over that same timeframe, companies that don't pay a dividend have returned nearly 1200%. Going back to the 1870s, this flies in the face of normal behavior. The excitement in tech has led to some major gains for the big tech companies and Microsoft is now the most valuable company with a market cap around $3.1 trillion. It is almost twice the $1.6 trillion value of the entire S&P 500 energy sector, yet it's annual free cash flow of around $67 billion is less than half the $135 billion from these energy companies. I do not know what will cause a drop or when it will happen, I just believe many investors do not realize the risk that they are taking by investing heavily into technology. Unfortunately, all parties do come to an end. CPI The Consumer Price Index (CPI) caused a lot of concern and sent stocks lower as the reading came in above expectations. Frankly, looking through the data I don't think the numbers were that bad. CPI rose 3.1% compared to last year which was above expectations of 2.9%, but was lower than the reading of 3.4% in December. Core CPI, which excludes food and energy rose 3.9% and came in above the expectation of 3.7%. This reading matched December's 3.9% rise which was the smallest increase since May 2021. It is important to remember that numbers don't always go in a straight line and I believe this report should not have a major impact on the Fed's rate decisions. Especially, when looking deeper at the numbers. The shelter index again continued to be a heavyweight on the report as it climbed 6% compared to last year. This increase accounted for over two thirds of the 12-month increase in core CPI. It was also interesting that there was a little bit of a divergence between the rent of a primary residence which was up 0.4% in the month compared to the owners' equivalent rent of residences which was up 0.6% in the month. I believe this is a silly metric that distorts the CPI level. The Owners' equivalent rent is obtained through surveys and asks members of a household: “If someone were to rent your home today, how much do you think it would rent for monthly, unfurnished, and without utilities?" I don't believe this is a great way for tracking shelter inflation and that these numbers should be taken with a grain of salt. Other areas of the report continued to see positive deceleration or even deflation in some cases. The energy index was down 4.6% compared to last year with gasoline falling 6.4%. Food at home showed a gain of just 1.2%, which compares to a peak of 13.5% in August 2022. Food away from home did have a larger increase of 5.1%, which likely stems from higher wages and the elevated demand we are seeing at restaurants and bars. Overall, as I said I don't think this was a bad report, but investors need to realize that the Fed will not be cutting rates 6 times this year. PPI I was somewhat disappointed by the Producer Price Index (PPI), as I thought we would see better numbers. In January, PPI rose 0.3% compared to the prior month, which was the biggest move since August and it was well above the expected increase of 0.1%. Core PPI was even more troubling considering it saw a 0.5% increase, which easily topped the expectation for an increase of just 0.1%. Looking at the year over year increase, the numbers are less concerning. Headline PPI increased just 0.9%, but core PPI did see an increase of 2.6%. I wouldn't recommend panicking over one report, but I will definitely be keeping an eye on inflation over the next few months. I still believe the broader trend will show a decline towards the 2% target, but there will likely be bumps in the road. Financial Planning: Health Insurance Before Medicare Most become eligible for Medicare at age 65. With Medicare you will have a Part B premium, which is $174.70 per month in 2024, and potentially an additional premium of up to $200 per month depending if you select a Medicare Advantage Plan or a Medicare Supplement Plan. If you retire before age 65, health insurance can be much more expensive and range into the thousands of dollars per month. For many this is a major factor in why they delay retirement. However, with the correct planning ahead of time, it is possible to retire early without being subject to exorbitant insurance premiums. When purchasing health insurance through the Health Insurance Marketplace, the actual premium is based on your income. This means if you can keep your income lower, you will qualify for the same coverage, but at a lower monthly cost. Some ways to keep income low is to keep extra cash, taxable brokerage accounts, and Roth accounts available as withdrawals from these accounts are not considered income. Therefore, these types of assets can cover livings expenses until reaching Medicare at age 65 while also keeping health insurance premiums, federal taxes, and state taxes at a minimum. This also means it may be necessary to defer other types of income such as Social Security, pensions, capital gains, pre-tax retirement account withdrawals, and Roth conversions until reaching age 65. There are many insurance plans available all with their own premium based on income, so it is important to choose the right plan to cover your individual medical needs, but with the right planning, there are affordable options available for early retirement.

In this episode, hosts Kathe Kline and Joanna Wyckoff dive into the complex world of Medicare Advantage plans and prescription formularies. They discuss the challenges and unfairness that beneficiaries face, the intricacies of part B drugs, and the impact of potential issues with Medicare Advantage plans. Listen in as they share personal experiences, offer valuable insights into the industry, and highlight the importance of understanding clients' specific health needs when it comes to complicated Medicare planning. Stay tuned for this insightful and informative episode!

Hans and Robby are back again this week with a brand new episode! This week, they discuss the supplement plan G for medicare.  Don't forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

In this video, I break down which Medicare Supplement/Medigap plans will be the ones to get in 2024! Christian Brindle Insurance Services is a Medicare specialized agency located in Sandy Utah. Christian hosts the most popular Medicare podcast on the internet called The Everything Medicare Podcast, written and published two books about Medicare, and is the founder of his own company that is dedicated to helping people on Medicare everywhere. Don't forget to like and subscribe for more videos! Helping people in 46 states! Call us to see if we can help you! 801-255-5340 Visit our website for more information: www.christianbrindleinsuranceservices.com Pick up Christian's Medicare Guidance book and learn everything you need to know to make a good choice: https://www.amazon.com/Medicare-Guida... Follow us on social! Facebook: https://www.facebook.com/christianbri... Instagram: https://www.instagram.com/christianbr... Twitter: https://twitter.com/C_E_Brindle #Medicare#Medigap#Insurance #HealthInsurance #Health#Healthcare#Medicaresupplement#MedicareAdvantage #Medicare2021#Medicarehealthplan#InsuranceAgent#MedicarePodcast Medicare, Medigap, Medicare Supplement, Insurance, Health Insurance, Health, Healthcare, HAS, Retire, Retirement, Social Security, Christian Brindle, FICA, Medicare Podcast, Medicare Advantage, Medicaid, Medicare Part A, Medicare Part B, FICA, FICA Tax, Retirement, Retire

Medicare Supplement High Deductible Plan G offers coverage and benefits identical to the standard Plan G after you cover the high deductible. Medicare Supplement Plans (0:22)Medicare Supplement High Deductible Plan G (0:33)Standard Plan G vs High Deductible Plan G Breakdown (1:07)High Deductible Plan G Pros & Cons (1:57)Learn more about this topic HERE: https://www.medicarefaq.com/medicare-...WE CARE ABOUT YOUR MEDICARE #MedicareSupplement #MedicareHighDeductibleG #MedicareFAQ SUBSCRIBE: Did you find this video helpful? Subscribe to our channel for more informative Medicare videos! Be sure to hit the bell to be notified when we publish a new video:    / @medicarefaq  CONTACT US: MedicareFAQ has helped over 50,000 Medicare clients save hundreds of dollars by comparing rates online. Get a quote today from 30+ carriers & plans in your area! Plus, our services are 100% FREE! Click this link to get started: https://rates.medicarefaq.com/ CHECK OUT OUR WEBSITE: Our online resource center is built to give you unbiased information regarding your Medicare coverage choices: https://www.medicarefaq.com/   MEDICARE FACEBOOK COMMUNITY: Join our exclusive Medicare Facebook community! Whether you're a current Medicare beneficiary, taking care of a loved one on Medicare, or will be aging into Medicare shortly, this is your sales-free Medicare resource center: https://www.facebook.com/groups/Medic... LET'S CONNECT: https://www.facebook.com/MedicareFAQ

Rick Sechler is a Certified Financial Planner who truly appreciates the opportunity to serve clients planning for and enjoying their retirement.Based on over 30 years of experience and the ability to listen for the nuances that make every situation different, he believes in a collaborative process that results in solutions developed by gathering information that integrates personal and financial circumstances and goals. Communication is the most important ingredient to developing a plan that is right for you.Learn More: https://usaretirementsolutions.info/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-rick-sechler-cfp-founder-of-usa-retirement-solutions-discussing-medicare-supplement-plans

Rick Sechler is a Certified Financial Planner who truly appreciates the opportunity to serve clients planning for and enjoying their retirement.Based on over 30 years of experience and the ability to listen for the nuances that make every situation different, he believes in a collaborative process that results in solutions developed by gathering information that integrates personal and financial circumstances and goals. Communication is the most important ingredient to developing a plan that is right for you.Learn More: https://usaretirementsolutions.info/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-rick-sechler-cfp-founder-of-usa-retirement-solutions-discussing-medicare-supplement-plans

Fan Favorite Dave Silver had invested in real estate and when the markets crashed, he looked for a new career. His strength in sales comes from being knowledgeable in the product he represents, Medicare Insurance Plan options. Dave is a licensed insurance agent specializing in Medicare for almost 10 years.  In our conversation, we discuss all things Medicare from Parts A and B, Medicare Supplement, Medicare Advantage and Part D Drug plans. This is an episode you'll want to listen to more than once for yourself or for helping your parents. Highlights from our conversation include: The challenge of getting the correct, honest information from clients. The misinformation clients received about Medicare because it doesn't apply to their individual situation. Explaining Medicare, parts A and B. The complications of Medicare part B if still employed. Medicare Supplement Plans from A through N. How people are penalized when not applying in the correct time and age periods. Medicare Advantage Plans are not Supplement Plans. How Plans and drug benefits vary from State to State. Enjoy the show! Connect with David: Website: https://www.davesilverinsurance.com/ Connect with Kris: Website: https://www.lpfadvisors.com/ LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/ Twitter: @kflammang   Learn more about your ad choices. Visit megaphone.fm/adchoices

Medicare Supplement Plan F, Plan G, and Plan N are the top three most popular Medicare Supplement plans available today. However, each plan has its own perks to bring to the table. Watch to learn the different benefits of Medicare Supplement Plan F vs Plan G vs Plan N. Learn more about this topic HERE: https://www.medicarefaq.com/faqs/medicare-supplement-plan-f-vs-plan-g-vs-plan-n/WE CARE ABOUT YOUR MEDICARE #MedicareSupplement #MedicareFAQ #MedicareSupplementPlans SUBSCRIBE: Did you find this video helpful? Subscribe to our channel for more informative Medicare videos! Be sure to hit the bell to be notified when we publish a new video: https://www.youtube.com/@Medicarefaq CONTACT US: MedicareFAQ has helped over 50,000 Medicare clients save hundreds of dollars by comparing rates online. Get a quote today from 30+ carriers & plans in your area! Plus, our services are 100% FREE! Click this link to get started: https://rates.medicarefaq.com/ CHECK OUT OUR WEBSITE: Our online resource center is built to give you unbiased information regarding your Medicare coverage choices: https://www.medicarefaq.com/   MEDICARE FACEBOOK COMMUNITY: Join our exclusive Medicare Facebook community! Whether you're a current Medicare beneficiary, taking care of a loved one on Medicare, or will be aging into Medicare shortly, this is your sales-free Medicare resource center: https://www.facebook.com/groups/MedicareFAQ LET'S CONNECT: https://www.facebook.com/MedicareFAQhttps://twitter.com/medicarefaqhttps://www.instagram.com/medicarefaqhttps://www.pinterest.com/medicarefaq https://www.tiktok.com/@medicarefaq

Fauxcahontas (who claimed to be an Oklahoma Indian) seems confused about how powerfully motivational insurance company sales incentives are. I have never been paid one for Medicare sales, BTW. Also, the administration is pushing regulations that will prevent Medicare Advantage plans from denying claims that would normally be covered by original Medicare. We'll see... Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)   Inspired by: "MEDICARE FOR THE LAZY MAN 2023; Simplest & Easiest Guide Ever!" on Amazon.com. Return to leave a short customer review & help future readers. Official website: https://www.MedicareForTheLazyMan.com

  When your client ages into Medicare from their marketplace insurance, you can continue the journey with them. Selling both ACA and Medicare insurance plans is a great way to expand your portfolio, retain clients, and earn more each year! Read the text version   Get on the Ritter Platform by Registering with Ritter: https://app.ritterim.com/public/registration/   Free eBooks & Guides: https://www.ritterim.com/guides/   Follow Us on Social!   Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ and Instagram, https://www.instagram.com/thesarahjrueppel/ Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Resources:   5 Tips for Selling Medicare Advantage Plans: https://agentsurvivalguide.podbean.com/e/5-tips-for-selling-medicare-advantage-plans-2022/ 2023 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://agentsurvivalguide.podbean.com/e/2023-maximum-broker-commissions-for-medicare-advantage-medicare-part-d/ Empower Your Prospects to Act Before Turning 65: https://agentsurvivalguide.podbean.com/e/empower-your-prospects-to-act-before-turning-65/ Five Reasons Clients Switch Medicare Plans During AEP: https://agentsurvivalguide.podbean.com/e/five-reasons-clients-switch-medicare-plans-during-aep/ How SPAPs and Their SEPs Can Bring You New Business: https://www.ritterim.com/blog/how-spaps-and-their-seps-can-bring-you-new-business/ How to Check Medicare Extra Help Eligibility for Your Client: https://www.ritterim.com/blog/how-to-check-medicare-extra-help-eligibility-for-your-client/ How to Help Clients Avoid Medicare Late Enrollment penalties: https://agentsurvivalguide.podbean.com/e/how-to-help-clients-avoid-medicare-late-enrollment-penalties/ Should I Enroll in Medicare When I'm First Eligible? https://living.medicareful.com/should-i-enroll-in-medicare-when-im-first-eligible The Beginner's Guide to D-SNPS: https://agentsurvivalguide.podbean.com/e/the-beginner-s-guide-to-d-snps/ The Ideal Client for Medicare Supplement Plans: https://agentsurvivalguide.podbean.com/e/the-ideal-client-for-medicare-supplement-plans/ Tips for Cross-Selling Medicare Products: https://agentsurvivalguide.podbean.com/e/tips-for-cross-selling-medicare-products-2022/   References:   10 Essential Health Benefits Insurance Plans Must Cover Under the Affordable Care Act: https://familiesusa.org/resources/10-essential-health-benefits-insurance-plans-must-cover-under-the-affordable-care-act/ Healthcare.gov Contact Page: https://www.healthcare.gov/contact-us/ When does Medicare coverage start? https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-start

Are Medicare Advantage plans more popular and better than Medicare Supplement plans now? Should you still consider enrolling in a Medicare Supplement plan?Some of the "pros" of Medigap plans include:- Freedom to see providers across the country that accept Original Medicare- Low out-of-pocket medical costs- Prior authorization is very rarely ever needed- Plans are guaranteed to renew as long as you pay your monthly premiums- Premium increases are not determined by your individual claimsSome of the "cons" of Medigap plans include:- Medigap plans rarely cover services not covered by Original Medicare (like routine physicals)- Higher monthly premiums than Medicare Advantage plans, and premiums increase over time- Prescription coverage is not included and must be purchased separately- You may not be able to change to a new Medigap plan in the future*Sources are at the bottom of the show notes*Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll in the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, KY, MI, MD, NC, OH, PA, SC, TX  If we do NOT work in your state, we can refer to agents that we know, like & trust across the country. Fill out the form linked to our map.Check out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with and learn more on TikTok and our private Facebook Group and while you're at it, check out our Google Reviews!  And, please get added to our mailing list so that we can remain in touch with you.Sources: Medicare and You Official HandbookOfficial Choosing a Medigap Policy Guide

  We break down what to look for and what questions to ask when pitching Med Supps. Ritter and our resources are here to help your find the right path of coverage for your client.   Read the text version   Register with Ritter: https://app.ritterim.com/public/registration/ Free Infographic: Download and print the Standard Med Supp Plans & Benefits Chart to show clients: https://www.ritterim.com/documents/standard-medicare-supplement-plans-and-benefits-infographic.pdf Download and print the Med Supp Pick-a-Letter Chart: https://www.ritterim.com/documents/med-supp-pick-a-letter-chart.pdf   Follow Us on Social!   Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ and Instagram, https://www.instagram.com/thesarahjrueppel/ Tina on LinkedIn, https://www.linkedin.com/in/christina-lamoreux-6384b7199/   Resources:   3 Ways to Build Your Insurance Sales Territory: https://agentsurvivalguide.podbean.com/e/3-easy-ways-to-build-your-insurance-sales-territory/ Keys to Client Retention: Face-to-Face Communication: https://agentsurvivalguide.podbean.com/e/keys-to-client-retention-face-to-face-communication/ Knight School – Understanding Medicare Supplements: https://www.ritterim.com/knight-school/solid-foundation/understanding-medicare-supplements/ Medicare Quote Engine: https://www.ritterim.com/agent-tools/medicare-quote-engine/ Med Supp Plans K & L Out-of-Pocket Limits, the Medicare Enrollment Protection Act, and More |The Friday Five: https://agentsurvivalguide.podbean.com/e/med-supp-plans-k-l-out-of-pocket-limits-the-medicare-enrollment-protection-act-and-more-the-friday-five/ The Complete Guide to Client Loyalty and Retention: https://www.ritterim.com/client-retention-guide/ The Complete Guide on How to Sell Medicare Supplements: https://www.ritterim.com/med-supp-ebook/ The Ideal Client for Medicare Supplement Plans: https://agentsurvivalguide.podbean.com/e/the-ideal-client-for-medicare-supplement-plans/ What are the New Medicare Advantage & Part D Communication Requirements for 2022: https://agentsurvivalguide.podbean.com/e/what-are-the-new-medicare-advantage-part-d-communication-requirements-for-2022/ When Do Med Supp Plans K, L, M, & N Make Sense?: https://agentsurvivalguide.podbean.com/e/when-do-med-supp-plans-k-l-m-n-make-sense/   References:   What Many Seniors Are Getting Wrong About The 2020 Exit Of Medigap Plan C And Plan F: https://www.forbes.com/sites/forbesfinancecouncil/2019/10/15/what-many-seniors-are-getting-wrong-about-the-2020-exit-of-medigap-plan-c-and-plan-f/?sh=6a49b8ff764d  

Medicare: Let's Break it Down! Before I launched Loving Later Life I asked many women 50-60+ what kinds of topics they'd like me to talk about, and one that kept cropping up was Medicare. Please have someone on your podcast who can make it easier to understand was the consensus. Welcome: Stephanie Frisch. Stephanie Frisch is a Medicare Options Specialist, and she is here to help make Medicare less confusing! Yes, it is possible! Stephanie is now 56 and got licensed in insurance on her 40th birthday. She started specializing in Medicare in 2010, gave many talks for large insurance companies for 8 years, and did Medicare presentations for various assisted living facilities for 10 years until the Covid pandemic. Stephanie lives with her husband in San Juan Capistrano California where she also has an office and a client base of over 1500 people. She has published articles both in a local magazine and newspapers to help people understand Medicare. She has been involved with many non-profit organizations, served on several boards, and is a member of the San Juan Capistrano Rotary fulfilling her desire to serve her community. Her website is www.yourinsuranceeducation.com and her email is: insuranceeducation@att.net which you can also find on the shownotes page at www.nancylanggibbs.com/shownotes.

Medicare and Medicare Supplement Plans with Peter Stoner - Part 1 of 2 Medicare Open Enrollment time is fast approaching, and it's time to think about your choices for coverage. This week, join Kirk B. Reed, CFP®, and his guest Peter D. Stoner of AHIP (American Health Insurance Plans) a Certified Medicare Consultant/Licensed Broker (MA & NH) for a discussion about Medicare Pricing and Considerations. Kirk B. Reed, CFP® is a financial planner with passion for client service and the intersection of golf and finances. Kirk works with beneficiaries of estates, widows, golfers, and pre-retirees. About Peter D. Stoner: Over 25 years of Medicare Experience * Manager of Retiree Sales at Tufts Health Plan * Director of Medicare Sales at Fallon Health Plan * Consultant to multiple Medicare Health Plans AHIP (American Health Insurance Plans) Certified https://www.stonermedicare.com/ McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years. COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY. http://mcnamarafinancial.com/

Medicare and Medicare Supplement Plans with Peter Stoner - Part 2 of 2 Medicare Open Enrollment time is fast approaching, and it's time to think about your choices for coverage. This week, join Kirk B. Reed, CFP®, and his guest Peter D. Stoner of AHIP (American Health Insurance Plans) a Certified Medicare Consultant/Licensed Broker (MA & NH) for a discussion about Medicare Pricing and Considerations. Kirk B. Reed, CFP® is a financial planner with passion for client service and the intersection of golf and finances. Kirk works with beneficiaries of estates, widows, golfers, and pre-retirees. About Peter D. Stoner: Over 25 years of Medicare Experience * Manager of Retiree Sales at Tufts Health Plan * Director of Medicare Sales at Fallon Health Plan * Consultant to multiple Medicare Health Plans AHIP (American Health Insurance Plans) Certified www.stonermedicare.com/ McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years. COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY. mcnamarafinancial.com/

  Is there such thing as an ideal client? Yes! Learn to recognize the perfect Med Supp candidates to know which clients will be more likely to enroll in a plan! Read the text version. Register for your FREE RitterIM.com account     Mentioned in this episode:   Contact the Team at Ritter Insurance Marketing The State of Medicare Supplement Coverage When Can I Buy Medigap? How Many Seniors Live in Poverty? Standard Medicare Supplement Plans & Benefits In Some States, More Than Half of Older Residents Live in Rural Areas Medicare for Snowbirds, Sunbirds, & Travel Enthusiasts Seasonal Migration of Elderly Adults in Florida When Do Med Supp Plans K, L ,M, & N Make Sense? The Complete Guide on How to Sell Medicare Supplements Meet Ritter's Sales Team Four Reasons Why Ritter Should Be Your FMO Insurance Agency   More episodes you'll like:   Agent Apps | Tips for Getting a Good Night's Sleep While Traveling – White Noise Apps Tips for Working on the Road Why College Grads Are Choosing to Be Insurance Agents   Articles to Share with Your Clients:   Agent Apps | Tips for Getting a Good Night's Sleep While Traveling – White Noise Apps Tips for Working on the Road Why College Grads Are Choosing to Be Insurance Agents   Ritter Insurance Marketing eBooks & Guides:   Agent Survival Kits: Beginners or Experts The Complete Guide on How to Sell Medicare Advantage Plans The Complete Guide on How to Sell Medicare Supplements The Complete Guide on How to Sell Prescription Drug Plans   The latest from Ritter's Blog:   The Agent Health and Life Insurance Carrier News Hub Ritter & ReminderMedia Partnership Offers Agents New Marketing Solutions The State of the ACA Market in 2022   Subscribe & Follow:   Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher   Connect on social:   Facebook LinkedIn Twitter YouTube Instagram TikTok Sarah's LinkedIn Sarah's Instagram  

Todd Morrissey is President of Medicare Solutions at Advisors Excel. Advisors Excel is a nationwide firm based out of Topeka. It helps independent financial professionals, advisors, and wealth managers build independent practices.This episode will give you an insider's view into why financial planners, wealth managers and their firms haven't typically gotten very involved in Medicare insurance coverage. But, that's changing and Todd reviews why it's very important to start planning for Medicare well before age 64, how taxes and IRMAA play a part of the equation as well as HSAs.Full episode transcript, notes. quotes and links:https://themattferetshow.com"What I will tell you is some individuals who look at a Medicare Advantage and they see what a max out of pocket is, but they say to themselves, "Well, but I'm not paying a premium every month. I can write that check for the max out of pocket." So they know they have that. But you're right. There are some clients where a financial advisor is talking to them and they say, "Look, I want to go to the doctor. I want to not have any out of pocket expense. I just want to pay my premium." Well, then a Medicare Supplement (Medigap) is something that they would consider. The adage of one size does not fit everybody is definitely true in the Medicare space."-Todd Morrissey, Advisors ExcelThe Matt Feret ShowPrepare for MedicareThe Matt Feret Show YouTube Channel#HSA, #IRMAA, #Medicare, #Medigap, #MedicareSupplement, #IRMAA, #Financialplanner, #Wealthmanagement, #PlanG, #PlanN, #PrepareforMedicare, #TMFS, #TheMattFeretShow Hosted on Acast. See acast.com/privacy for more information.

In this episode, you'll gain a better understanding of Medicare Advantage Plans and Medicare Supplements (aka Medigap plans). This way, you'll be better able to choose what is best suited for you upon your transition to the Medicare sytem.Mentioned in this episode are certain states that have unique underwriting rules or opportunities. Those states include:  California, Oregon, Washington, Nevada, Idaho, Minnesota, Illinois, Missouri, New York, Vermont, Massachusetts, Connecticut, Maine If you'd like to see our YouTube video about this same topic, check it out here. _________Giardini Medicare is an independent insurance agency specializing in helping Medicare beneficiaries enroll into the Medigap or Medicare Advantage plan that fits their needs during their transition to Medicare. We are licensed and work virtually in the following states:  AZ, CA, FL,  IL, IN, MI, MD, NC, OH, PA, SC, TXCheck out our website at  https://gmedicareteam.com/Also, see our additional educational content over on our YouTube ChannelYou can also connect with us in our private Facebook Group and while you're at it, check out our Google Reviews!