Podcasts about medicare supplement plans

What role can annuities play in retirement planning, and how do you know if they may be worth considering? In this episode, we break down the pros, cons and complexities of annuities in a practical, easy-to-understand way. From income features and potential downside protection to fees, surrender charges and liquidity concerns, you'll learn why annuities may be a helpful tool for some retirees, but not the right fit for others.The episode explores different types of annuities, including variable annuities, fixed indexed annuities and income-focused strategies that may help create a personal pension-style income stream in retirement. You'll also hear why some retirees value annuities for the added predictability they may provide, especially during market volatility or for those concerned about outliving their money.Most importantly, this discussion emphasizes that a product should never replace a comprehensive retirement plan. Whether you already own an annuity or are considering one for the first time, this episode offers educational insight to help you better understand whether an annuity may fit into your retirement strategy.--

What does it take to build a retirement plan designed to support you for 20, 30 or even 40 years? In this episode, Loren Merkle, Molly Nelson and Haley Gutschenritter explain why owning IRAs, 401(k)s, annuities and savings accounts does not automatically create a retirement strategy. Using the analogy of construction blueprints versus tools, they explain how a written retirement plan can help coordinate income, taxes, inflation, health care and long-term financial decisions into one cohesive plan built for the realities of retirement.The episode dives into how inflation can quietly erode purchasing power over time, why taxes may become one of the key challenges to long-term retirement wealth, how the bucket strategy can help balance short-term income needs with long-term growth and how recent tax law changes, including the senior bonus deduction, may affect planning decisions.Whether you're nearing retirement or already retired, this episode offers practical insights into building a retirement blueprint designed to help support income needs while adapting to inflation, taxes, market volatility and the unexpected challenges that can come with a long retirement.--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Haley Gutschenritter, CFP®https://merkleretirementplanning.com/staff-members/haley-gutschenritter/Molly Nelson, Host 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.

Even if you already have an estate plan in place, there's a good chance it may not work the way you think. In this episode, Loren Merkle, Molly Nelson, and guest attorney Charlie Bottenberg of Brick Gentry P.C. discuss how estate planning has evolved — and why outdated documents, old trust language, and overlooked beneficiary designations could create unintended tax consequences, probate issues, or family complications.They explain why estate taxes are no longer the primary concern for most families, how the SECURE Act changed inherited retirement accounts, and why modern estate planning is now focused on flexibility, protection, and control. You'll also learn what probate really is, common mistakes people make with IRAs and trusts, and why regularly reviewing your plan is so important.Whether you're updating an old will, thinking about how to protect your family, or simply trying to better understand how your assets may transfer someday, this conversation offers practical insights to help you make more informed decisions about your legacy.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4d9P6neGet the tools you need to prepare for retirement with the Retire Your Way Toolkit: https://bit.ly/4uWAwFL--Loren Merkle,CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Molly Nelson, Host of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/Charlie Bottenberghttps://brickgentrylaw.com/attorneys/charlie-bottenberg--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 no longer have a pension, and that changes everything about how you build retirement income. If you've ever felt like retirement planning is harder than it used to be, this episode explains exactly why, and what you can do about it.Ready to take your first step in retirement planning? Schedule a RetireReady Call at https://bit.ly/42nu7qPDownload your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eERetirement used to rest on the three legged stool: Social Security, a pension, and personal savings. Today, with only 15% of private-sector workers having access to a pension, the responsibility of building reliable retirement income falls on you. This episode breaks down how income diversification and tax diversification work together to bring stability back to your retirement plan, and how structuring income for now, later, and forever changes how confidently you can retire.Chapters0:00 – The Three-Legged Stool2:30 – Why Retirement Feels Off-Balance8:00 – Income Diversification10:30 – Tax Diversification14:00 – Tax Laws Keep Changing16:00 – Social Security18:00 – Creating a Personal Pension--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Chawn Honkomp, CFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/Molly Nelson, Host 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 massive $124 trillion is expected to pass from one generation to the next over the next 20 years, but most families aren't talking about it. In this episode, Retirement Planners Loren Merkle and Clint Huntrods break down why inheritance conversations are often avoided, the disconnect between parents and children, and how a lack of communication can impact both finances and family relationships.You'll also hear a hypothetical example of how tax planning can significantly affect what beneficiaries actually receive, and why having a clear plan before the transfer is so important. Whether you plan to share the details or keep things private, one thing is clear: planning ahead can make all the difference.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/47ZRb2c

Social Security is the elephant in the room when it comes to retirement planning. Everyone knows the decision is there, but between your neighbor who claimed at 62 and your coworker waiting until 70, it's hard to know what you should actually do. For a married couple, this decision can impact over a million dollars in lifetime retirement income. For a single filer, it can impact $500,000 or more.This episode cuts through the noise and shows you how to prioritize Social Security decisions based on your life, your income needs, and your retirement plan. If you're 55 or older and asking yourself "when should I claim Social Security?" this episode is for you.--Download the Social Security guide from this episode here: https://bit.ly/4tz4PleReady to take the next step? Schedule a RetireReady Call at https://bit.ly/4vvLVxt

If 65 has been your retirement target, ask yourself why. For most people it comes down to one thing, health care before Medicare kicks in. The good news is there are more options than most people realize.Retiring before 65 involves more than just solving the health care gap. You also need a plan for your taxes, your investments, your income, and how long that money needs to last. This episode walks you through seven steps to address all of it.What We Cover:00:00 The Seven Steps to Retire Before 6501:41 Get Clear on Your Lifestyle04:57 Plan for a Longer Retirement Than You Think07:43 Determine What Enough Really Means11:27 Increase Your Savings Power15:39 Use the Bucket Strategy17:31 Adjust Your Investment Strategy19:37 Solve the Two Big Gaps: Health Care and TaxesIf you're 55 or older and asking yourself, “Can I retire before 65?” this episode is for you.--

Imagine retiring with $750,000 and watching it drop by 30% in year one. A market drop like that can have a real impact on your retirement income.In this episode, we break down the bucket strategy, a way to divide your money into three buckets designed to help protect your income during market downturns. We also cover how to evaluate the risk you're currently taking and how it may need to change in retirement, plus why your tax strategy and Social Security decisions play a key role in making your money last.If you're 55 or older and concerned about what a market drop could do to your retirement income, this episode is for you.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/3PKQseH

Last year, 1.1 million people were laid off, numbers not seen since 2020. And 40% of people retire earlier than they planned. If a layoff or buyout is on your radar, the decisions you make about health care, taxes, and your 401(k) will follow you for the rest of your retirement.Key Takeaways:✅ Losing your job doesn't mean losing your health insurance. COBRA can keep you covered for up to 18 months.✅ The money in your HSA can be used tax-free to pay for qualified health care expenses in retirement.✅ The Rule of 55 lets you take money from your 401(k) early without the 10% penalty.✅ An example of how a family that got a $150,000 severance ended up in a higher tax bracket.If you're 55 or older and worried about a layoff, buyout, or early retirement, then this episode is for you.--

You saved. You planned. You built a $2 million IRA, but every dollar in that account has never been taxed before. The question was never if you'd pay taxes on it, the question is how much? With proactive strategies in place, you may be able to keep a lot more of that money than you'd expect.In this episode, Loren Merkle and Clint Huntrods walk through three strategies for pre-retirees sitting on a large, all pre-tax IRA so you can make decisions on your terms, not the IRS's.What We Cover:✅ Why the window between retirement and your RMD age (73 or 75) may be your biggest tax planning opportunity✅ An example of how one family divided $2 million into four purposeful buckets and cover a $4,500/month income shortfall✅ The in-service rollover strategy that can give you more investment control at age 59½✅ How a Charitable Remainder Unitrust (CRUT) can stretch distributions beyond the SECURE Act's 10-year rule✅ Why tax planning is not a "set it and forget it" decision and what to review every single yearIf you're 55 or older with a significant amount saved in a traditional IRA or 401(k), this episode is for you.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4l6ORM9

If retirement taxes feel confusing, you're not alone. Pre-tax accounts, Roth accounts, required minimum distributions (RMDs), Social Security taxes—there are a lot of rules, and they don't always work the way people expect.In this episode, we explain retirement taxes in plain language so you can understand how your accounts are taxed, why confusion is so common, and how planning ahead can create more clarity and control.Retirement taxes don't have to feel overwhelming. Understanding how the rules work is the first step toward making more confident retirement decisions.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4jJyPqKDownload your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Chawn Honkomp, CFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/Molly Nelson, Host 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.

When you think about retirement, what do you see yourself doing? A lot of people don't have an answer to that question, and that's where loneliness can start to creep in. This episode looks at the AARP 2025 loneliness survey, which found that 40% of adults over 45 report feeling lonely. That's the highest it's been since they started tracking this back in 2010. We talk about why loneliness often goes unrecognized, who it affects most, and how the transition to retirement can catch you off guard if you're not prepared for it. Planning for what you're actually going to do with your time matters just as much as planning your income. It's how you build connection, keep your sense of purpose, and protect your wellbeing as you move into this next phase.--

If you'd like to work with us on your Medicare health plan, we're licensed in 45 states and actively helping clients across the country. Christian and the team at Everything Senior Insurance represent many of the top insurance companies in the Medicare space. We're happy to help—just reach out! ➡️ Visit our site: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.eseniorinsurance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ Call us: (801) 255-5340

Have a client that wants to switch Med Supp plans? If they live in a Med Supp birthday rule state, it might be easier than you think! Learn more about the states and their rules in this ASG Podcast episode.   Read the text version  

A Roth conversion means paying taxes now instead of later, but is it the right move for your retirement? We'll explain exactly how Roth conversions work, walk through a $100k example that shows the actual tax impact over 25 years, and give you three critical questions to ask before you convert. Whether you're planning for retirement or already there, this episode can help you decide if a Roth conversion makes sense for you.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4aAXuK7

Most people think of their 401(k) as their retirement plan. Your 401(k) tells you your balance, but it doesn't answer the questions that actually matter: "When can I retire?" "How much can I safely spend each month?" "What about health insurance before age 65?" This episode breaks down what a comprehensive retirement plan looks like and why having it in writing changes everything.--

A common saying is you need a million dollars for retirement, but what does that actually mean for you? In today's episode, you'll meet Tom and Sandy. They have $1 million saved for retirement at age 65, and in their first iteration of their plan, the money was going to run out at age 79. Instead of panicking or giving up on retirement, we tested different strategies to see what actually works for them. This is a hypothetical case study, but these are strategies to consider and test in your own retirement plan. These are the strategies we explore with pre-retirees everyday to help them confidently enter their next chapter.--

Tired of jumping through hoops just to get the care you deserve? In this episode, we break down how Medicare Supplement plans can help you sidestep prior authorization headaches, so you can avoid delays, reduce stress, and get timely access to the treatment your doctor recommends, without the insurance runaround. 

Sick of insurance companies standing between you and your doctor? In this episode, we break down how Medicare Supplement coverage eliminates roadblocks like prior authorizations and restrictive networks, so your healthcare decisions stay exactly where they belong: between you and your physician. 

Discover how Medicare Supplement plans provide complete doctor freedom nationwide. Learn why Medicare Supplement insurance offers no networks, no referrals, and access to any doctor who accepts Medicare. 

If you have $1 million saved for retirement, how long will it last? We put this question to the test with four different spending scenarios, and the results might change how you think about your retirement plan.What we cover00:00 Intro00:30 The #1 Question Retirees Ask About Their Savings01:30 Why Stress Testing Your Portfolio Matters03:18 Scenario 1: 40k Withdrawal06:25 Scenario 2: 50k Withdrawal07:24 Scenario 3: 60k Withdrawal09:24 Scenario 4: 80k Withdrawal11:00 Three Phases of Retirement Spending13:52 Stress Testing Against Market Volatility15:55 Client Success StoryThese scenarios are based on steady portfolio withdrawals and do not account for Social Security, pensions, or other income sources—so your actual retirement income may vary.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/3LvY5UyDownload your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Clint Huntrods, Certified Financial Fiduciary®, PhDhttps://merkleretirementplanning.com/staff-members/clint-huntrods/Molly Nelson, Host 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.

In July of 2025, Washington passed the One Big Beautiful Bill Act, and it's changing retirement tax planning in ways most people haven't heard about yet. If you plan proactively, these changes could save you thousands on your retirement tax bill.But it's not just this one bill. Congress has been consistently changing the rules around retirement—from RMD ages shifting multiple times in recent years, to inherited IRA rules that caught millions of beneficiaries off guard. Every legislative session can bring new complexity to retirement planning.What we cover in this episode:00:00 Washington's Impact on Retirement00:32 The One Big Beautiful Bill Act03:54 The New Senior Bonus Explained08:26 Secure Act and Required Minimum Distributions (RMDs)10:46 The Inherited IRA 10-Year Rule15:36 Government Shutdowns: Social Security & Medicare18:24 Market Volatility & Your PortfolioThese legislative changes add complexity to retirement planning, but they also create opportunities for tax savings if you plan proactively.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4jEw8a5Get the tools you need to prepare for retirement with the Retire Your Way Toolkit: https://bit.ly/49bO1bi--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Clint Huntrods, Certified Financial Fiduciary®, PhDhttps://merkleretirementplanning.com/staff-members/clint-huntrods/Molly Nelson, Host 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 rising premiums straining your budget? Discover how to know if it is time to switch to a lower  Medicare Supplement plan like Plan G or N to save money without sacrificing care. 

If retirement is starting to feel real, there are important decisions that need to be addressed before that final paycheck.In this episode, we walk through our Retirement Ready Checklist, a 9-step process we use to help families understand what deserves attention before retirement, not after. It's designed to bring clarity, confidence, and organization to one of the biggest transitions of your life.Rather than focusing on products or predictions, this episode is about awareness, organization, and confidence — helping you see the full picture of your retirement so you can make informed decisions moving forward.--Get the tools you need to prepare for retirement with the Retirement Ready Checklist: https://bit.ly/4apw5w3Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/48YO36e--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/AnnaMarie Morrow, Director of Medicare & Long-Term Carehttps://merkleretirementplanning.com/staff-members/annamarie-morrow/Molly Nelson, Host 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.

      MEDICARE ADVANTAGE MINUTE:                                                           WATCH OUT FOR THE "MEDIGAP TRAP"                       YOUR MEDICARE BENEFIT 2025:                                                        URGENTLY NEEDED CARE        OBAMACARE: the parties are preparing to wrestle over the imploding health insurance plans we have been stuck with for 15 years. The Dems want to keep it limping along as the next step towards socialized health insurance while the Republicans want to begin a trend toward privatization via establishment of Health Savings Accounts (HSAS). Norb writes to share the advice he got from a local Bay Area Medicare broker who made up some crap about HDG resulting in claim problems as the insured's age. I explained that was not true and used my personal experience as proof. Epilogue: He decided to ignore me and purchase the expensive Plan G rather than my recommended High Deductible Plan G. The episode, which began with sports trivia ends with a rousing series of Christmas trivia questions.                                                      Contact me at: DBJ@MLMMailbag.com (Most severe critic: A+)                   Visit us on: BabyBoomer.ORG Inspired by: "MEDICARE FOR THE LAZY MAN 2025; SIMPLEST & EASIEST GUIDE EVER!" "MEDICARE DRUG PLANS: A SIMPLE D-I-Y GUIDE" "MEDICARE FOR THE LAZY MAN: BARE BONES!" For sale on Amazon.com. After enjoying the books, please consider returning to leave a short customer review to  help future readers. Official website: https://www.MedicareForTheLazyMan.com.

Fewer companies offering drug plans.  Price increases coming in 2026, max $50/year.  2027: May not have any drug plans.  Government subsidies going away, Insurance companies may have to subsidize. Medicare Supplement Plan price increases.

Unlock the true power of your Medicare Supplement plan. In this episode, we spotlight the most overlooked benefits that can save you thousands — including protection from excess charges, extended skilled nursing care, and other little-known perks hiding in your coverage. If you want to get more out of Medicare without paying more, this is the episode you can't afford to miss.

Is Medicare Supplement Plan F still worth the price tag in 2026? In this episode, we break down everything you need to know before deciding between Plan F and Plan G. You'll hear how each plan's rate increases, coverage differences, and long-term premium trends stack up so you can make the most informed choice for your Medicare coverage in 2026 and beyond. Tune in to get the facts—and discover which plan truly delivers the better value.

Unlock the truth behind the most talked-about Medicare Supplement plans. In this episode, we break down why Medicare Supplement Plan G is rapidly becoming the top choice for beneficiaries as Plan F phases out. Discover how MACRA changed the Medicare landscape, explore the real differences between these two popular Supplement plans, and learn how to confidently choose the coverage that fits your needs. Whether you're new to Medicare or re-evaluating your options, this episode delivers the clarity you've been looking for.

The One Big Beautiful Bill (OBBB) is one of the most significant tax updates in recent years—and for retirees, it's not just about what changed, but how it affects real-world decisions. From a new $6,000 deduction for seniors to changes in how overtime, tips, and even mortgage interest are taxed, these changes can have a significant impact on your retirement plan.What You Should Know

Medicare Supplement plans do more than fill coverage gaps, they can protect your savings from thousands in unexpected medical bills. In this episode, we break down the true value of Medicare Supplement coverage, compare real costs against Medicare Advantage, and share real-world examples that show how Medicare Supplements can offer unmatched financial protection and peace of mind.

New tax legislation can unlock opportunities—or create surprises—if you don't understand the fine print. In this episode, we walk through the One Big Beautiful Bill and how key provisions could affect retirees and pre-retirees. From the senior bonus standard deduction to charitable giving updates, SALT cap changes, and estate-tax thresholds, we show where planning matters and how timing can shape your tax bill over the next few years.We cover:

Every stage of life brings new financial milestones, and retirement is no different. From your 50s through your 70s, there are decisions you will make that can significantly affect your confidence, income, and lifestyle in retirement. In this episode, the Retiring Today team showcases our first digital magazine — Your Retirement Milestone Guide. This new resource is designed to help you see the full picture of retirement planning and understand why timing and preparation make such a difference.You'll also meet Adventurous Angie — a newly retired professional who spent 47 years with the same company. Learn how she earned her nickname, what's on her multiple “bucket lists,” and how she's making the most of retirement after answering the big question: Am I ready? Angie's story brings these milestones to life, showing how clarity and planning can turn uncertainty into confidence.--Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eEReady to take the next step? Schedule a RetireReady Call at https://bit.ly/4933lZb--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.The testimonial shared in this episode is provided by a current client, who did not receive compensation for their experience with Merkle Retirement Planning. This testimonial does not present conflicts of interest due to the relationships or services offered. This published testimonial is representative of this individual's experience only. 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.

Is it true you have to enroll in Medicare at 65 even if you're still working? Will Medicare cover all of your health care needs? What actually happens if you enroll late? There's a lot of confusion around Medicare — but understanding how it works before you enroll can help you feel more confident about the choices you need to make.In this episode, we walk through common Medicare assumptions and separate fact from fiction. Each topic reflects real situations people face as they approach 65, and understanding the facts can help you feel more prepared when it's time to make your Medicare decisions.--Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4933lZbGet the tools you need to prepare for retirement with the Retire Your Way Toolkit: https://bit.ly/4nPqqDx--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.

bestinsuranceplanning.com

In this Indiana Jones–inspired episode, we return to the Cave of Question to tackle one of the biggest challenges facing those 55 and older: How do I start planning for retirement?It's easy to feel lost in the maze of decisions around Social Security, Roth conversions, Medicare, and more. That's why this journey is about more than finding answers, it's about uncovering the Compass of Clarity. To get it, we must work through each puzzle of the six pillars of retirement planning: lifestyle, income, taxes, investments, health care, and legacy.--Ready to take the next step? Schedule a call now at https://bit.ly/4933lZb to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/4nPqqDx--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.

Enter the "Cave of Questions" in this Halloween-themed episode of Retiring Today, where we take you on an Indiana Jones-inspired adventure to uncover what really matters in retirement planning — especially if you're 55 and wondering, "Do I have enough?"As we search for the Hourglass of Time, we break down the six essential pillars of retirement planning: lifestyle, income, taxes, investments, healthcare, and legacy. Whether you're a few years from retirement or simply unsure where to begin, this fun yet informative journey will help you visualize your next steps with clarity.--Ready to take the next step? Schedule a call now at https://bit.ly/4933lZb to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/4nPqqDx--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.

Inheriting assets can carry emotional weight and financial complexity. In this episode of Retiring Today, we explain the five most common types of inherited assets and how they're taxed, transferred, and treated under current rules. Key Takeaways:- The five main asset types: cash, brokerage accounts, retirement accounts, real estate, and insurance/annuities.- Why inherited IRAs come with a 10-year distribution window for non-spouses.- How real estate gains can trigger capital gains taxes—or be excluded if handled carefully.- The difference between inheritance, estate, and income tax at the federal and state levels.Whether you're receiving an inheritance or planning your legacy, understanding these rules can help you make more confident, informed decisions.--Ready to take the next step? Schedule a 15 RetireReady Call now at https://bit.ly/4g9X8fB to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/47t0J6f--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.

Planning for retirement means more than saving money—it means preparing for the realities that can shape your future. Today, we count down the top 10 retirement wake-up calls that reveal what many retirees wish they had known sooner.This episode speaks directly to individuals and families ages 55+ preparing for retirement. It's a reminder that the most confident retirements begin with thoughtful planning—not assumptions. --Ready to take the next step? Schedule a call now at https://bit.ly/4msJwyt to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/41opXPl--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.

Thinking about switching your Medigap plan to save money? In this episode, we break down when you can change your Medicare Supplement policy, how medical underwriting works, and the common mistakes to avoid, so you can make an informed choice without surprises.

Many investors fall into recognizable patterns—behaviors that can create challenges during retirement. Whether it's reacting too quickly to market swings, holding onto the wrong investments, or waiting for the perfect moment that never comes, these habits can affect your long-term retirement goals.In this episode, you'll meet four common investor types: the panic seller, the sideliner, the clinger, and the looky-loo. Each one reflects a different emotional approach to investing, but there are also strategies to counter these tendencies. From dollar-cost averaging and diversification to tax loss harvesting, you'll learn ways to turn uncertainty into opportunity.--Ready to take the next step? Schedule a call now at https://bit.ly/4msJwyt to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/41opXPl--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.

When it comes to investing for retirement, not all the advice you hear is accurate or helpful. Today, we're putting eight common retirement investment beliefs to the test in a round of Retirement Fact or Fiction.Drawing on real-life examples, historical data, and years of helping families and individuals plan for retirement, Loren Merkle and Haley Gutschenritter join Molly Nelson to explain why some of these statements hold up—while others may create confusion.These are statements we hear often—statements that can influence retirement decisions. But just because they're common doesn't necessarily make them accurate.1. Fact or Fiction: “The stock market is too risky for retirees.”2. Fact or Fiction: “It's safer to keep money in a savings account.”3. Fact or Fiction: “Bonds are always safer than stocks.”4. Fact or Fiction: “I can just live off the dividends and never touch my principal.”5. Fact or Fiction: “I should avoid taking money from investments when the market is down.”6. Fact or Fiction: “I can just follow the 4% rule and never run out of money.”7. Fact or Fiction: “Market timing is key to high returns.”8. Fact or Fiction: “Annuities are always a bad investment.”--Ready to take the next step? Schedule a call now at https://bit.ly/45FD9k4 to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/41PHm3x--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Haley Gutschenritter CFP®https://merkleretirementplanning.com/staff-members/haley-gutschenritter/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.

Retirement planning isn't just about your investments — it's about your lifestyle, your goals, and how you want to live every single day after you stop working. In this episode of Retiring Today, we reveal seven essential questions that every financial advisor should ask you as you prepare for retirement.From Social Security election strategies to building recession-resistant income, this conversation highlights the value of personalized planning, tax diversification, and long-term care strategies that actually reflect how people live in retirement.--Ready to take the next step? Schedule a RetireReady Call now at http://bit.ly/41sY3lb to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3Jm0bVC--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.

Many Americans approaching retirement ask, “How do I stack up?” In this episode, Loren Merkle and Chawn Honkomp explore how average retirement savings vary by age and income—and why those numbers don't tell the whole story. While national benchmarks offer context, your retirement readiness depends on your lifestyle, where you live, and the strategies outlined in your retirement plan. Discover how having a written retirement plan can help bring clarity—even if you're not yet at the number you once envisioned.--Ready to take the next step? Schedule a 15-minute RetireReady Call at https://bit.ly/3GP5lZG to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3ITDbx8--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 Nelson, Host 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.

Market swings can feel unsettling, especially as retirement approaches. In this episode of Retiring Today, Loren Merkle and Clint Huntrods join Molly Nelson to explain why some of the best market days often follow the worst—and what that means for your retirement investments. They discuss how emotions, world events, and economic uncertainty influence markets, and how a retirement plan can help you stay grounded. From staying invested during downturns to strategies such as Roth conversions and dollar-cost averaging, this episode provides a research-based perspective aimed at helping you navigate market unpredictability with confidence and clarity.--Ready to take the next step? Schedule a call now at https://bit.ly/4eBqNO5 to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/44Q73mv--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.

Long-term care is one of the most overlooked—but essential—parts of retirement planning. This episode breaks down what long-term care actually includes, how much it may cost, and why it's important to have a plan that integrates long-term care before exploring insurance options. A hypothetical example illustrates how long-term care costs can affect a retirement portfolio and the types of solutions available today, from hybrid life insurance to investment-based strategies. With the right planning, you can move forward with clarity and confidence.--Ready to take the next step? Schedule a call now at https://bit.ly/44EE4St to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3Tipp9q--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.

Taxes don't stop when your paycheck does, and what you think you know about taxes in retirement could cost you. In this episode of Retiring Today, we break down five common assumptions about retirement taxes and reveal whether they're fact or fiction.Each statement is explored in detail to help you understand how retirement income, account types, and where you live can all shape your future tax bill.These five retirement tax beliefs are put to the test:Fact or Fiction: My taxes will be lower in retirement.Fact or Fiction: Social Security benefits are tax-free.Fact or Fiction: Qualified Roth IRA withdrawals are always tax-free.Fact or Fiction: RMDs only apply to traditional IRAs.Fact or Fiction: Moving to a no-income tax state eliminates all taxes.If you are preparing for retirement, this conversation will help you separate myth from reality and build a more informed plan for the future.--Ready to take the next step?  Schedule a call now at https://bit.ly/44vkHew to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/4liS4ab--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Haley Gutschenritter CFP®https://merkleretirementplanning.com/staff-members/haley-gutschenritter/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.

Legacy planning is more than just deciding who gets what—it's about making things easier for your loved ones and making sure your wishes are honored. This episode walks through five common estate planning mistakes that can cause stress, confusion, and financial problems down the road. We talk about the power of updating your beneficiaries, why having a will or trust matters, and how to make sure your spouse is taken care of if something happens to you.This episode covers topics like estate planning, legacy planning, retirement planning, wills and trusts, beneficiary designations, powers of attorney, Social Security planning, and more—so you can plan with confidence and achieve peace of mind.--Ready to take the next step? Schedule a call now at https://bit.ly/3ZtIQ2x to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/3FSU8GS--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.

You've saved, you've budgeted, and you've run the numbers—but have you really thought about how you'll live in retirement? In this episode, we highlight common lifestyle pitfalls that can lead to boredom, frustration, or missed opportunities.We explore four key traps many retirees fall into: making emotional decisions, spending too little out of fear, letting others' opinions influence your choices, and entering retirement without a clear sense of purpose.This episode shines a light on the lifestyle pillar, offering insights to help you align your time, values, and resources—so your retirement feels intentional and meaningful.--Ready to take the next step? Schedule a call now at https://bit.ly/4jDirGq to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/45Jd59n--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.

When was the last time you thought about your estate plan—or whether you even have one? In this episode, Loren Merkle and Molly Nelson sit down with estate planning attorney Charlie Bottenberg to explore why legacy planning matters and how it fits into a comprehensive retirement plan.If you haven't created your own plan, the state already has one for you—and it might not reflect your wishes. Learn the difference between a will and a trust, how to avoid probate, and what happens if powers of attorney and medical directives aren't in place when you need them most. This episode is for anyone looking for clarity and confidence as they prepare for the future.--Ready to take the next step? Schedule a call now at https://bit.ly/43jVtiT to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/456rOLv--Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Molly Nelson, Host of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/Charlie Bottenberghttps://brickgentrylaw.com/attorneys/charlie-bottenberg-- 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.