United States government program that provides stipends to low-income people who are either aged 65 or older, blind, or disabled
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In this episode: We discuss the taxability of Social Security income. A review of total income and Medicare premiums. We examine the tax liability of Hobby Income. FINCEN: Foreign accounts with more than $10,000, even for a day, must be reported. The IRS has announced that they intend to start paying refunds for the ERTC. We are joined by Anastasia Jackson, Kent County Regional Business Manager for the Division of Small Business and the Delaware on Main- Statewide Coordinator. She reviews several amazing programs geared to help Delaware's small businesses. A must-listen for any entrepreneurs in Delaware.
Guest Hosts: Leah Murray & Rusty Cannon The taxation of Social Security benefits has long been a contentious issue, balancing fiscal responsibility with the financial well-being of seniors. Former President Trump's recent proposal to eliminate income tax on these benefits has reignited the debate, highlighting the far-reaching implications of any changes to the current system. When debating this issue, we need to weigh both the potential benefits for seniors and the broader economic consequences.
We're living in the "sticky zone" of inflation; the next shoe to drop will be in Regional Banking; the "Made in USA" tax credit proposal: giving money away to people again? Why 40-somethings don't like Dave Ramsey; how COVID changed the game for Gen-Z; "doing Dave Ramsey" without the mallet. What Dave Ramsey IS right about: 15-year mortgages, real estate, and debt snowball. Carrying debt intelligently; "everything now" is the problem; cultural problem feeds into fiscal problem. Rant; Why Social Media is bad for society. Propaganda about Social Security going away: Taking off the income cap as a fix? How the SS formula works today. SEG-1: Living in the Sticky Zone of Inflation SEG-2: Why Gen-Z Doesn't Like Dave Ramsey SEG-3: Dave Ramsey is Right About Real Estate SEG-4: Carrying Debt Intelligently; How SS Works Today Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's show video here: https://www.youtube.com/watch?v=TGn5ICWStj0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Articles mentioned in this report: "Apple's Magic- Are Buybacks Worth Paying Up For?" https://realinvestmentadvice.com/apples-magic-are-buybacks-worth-paying-up-for/ "This Is Nuts – An Entire Market Chasing One Stock" https://realinvestmentadvice.com/this-is-nuts-an-entire-market-chasing-one-stock/ "Small Cap Stocks May Be At Risk According To NFIB Data" https://realinvestmentadvice.com/small-cap-stocks-may-be-at-risk-according-to-nfib-data/ "Conference Board Scraps Its Recession Call" https://realinvestmentadvice.com/newsletter/ ------- The latest installment of our new feature, Before the Bell, "Markets Are Heading Towards Reversion in Stock Prices," is here: https://www.youtube.com/watch?v=V2cbaFDuxc0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=15s ------- Our previous show is here: "Are Buybacks Worth Paying Up For?" https://www.youtube.com/watch?v=2R68Md9VPkw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=6s -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- Register for our next Candid Coffee: https://us06web.zoom.us/webinar/register/6316958366519/WN_jCrzdX9uSJSrg5MBN5Oy8g ------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #StickyInflation #RegionalBanking #WhyDaveRamseyIsRight #WhyDaveRamseyIs Wrong #RealEstateMortgages #DebtRelief #IntelligentDebt #SocialSecurityViability #SocialSecurityIncomeCap #Markets #Money #Investing
Most people get a little advice from their parents once in a while. A lot of times it's great advice! When it comes to financial advice, sometimes our parents may be advising based on the economic reality they faced, not the one you're facing. In this episode, Rachelle and Corey address some of the changes over time that have made financial planning different for our generation, and what may impact future generations. Differences include: Where people save money and how they use credit or debt as a tool. Differences in housing affordability. Staggering student loan debt for many of you. A wide variety of retirement accounts and investment tools that are easily accessible to retail investors. Less access to pensions and concerns about the future of Social Security Income. And maybe the biggest difference – a willingness to talk about money! Not just with your parents, but with friends and colleagues as well at times. The bottom line is that every person's individual circumstances determine how we should approach paying down debt, saving for retirement, and many other financial goals. Chances are, your situation is different than your parents'. And different that your colleagues' or neighbors' for that matter as well! For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.
Some States still tax Social Security and other retirement income. What happens if you retire in a State that doesn't tax retirement income or pensions? Does it make sense to move in retirement for a more favorable tax situation? What can we learn about taxes from the Shohei Ohtani blockbuster baseball contract with the LA Dodgers?
With Social Security's coffers projected to be empty by 2033, many retirees and pre-retirees are planning to claim as soon as possible to get as much as possible. But does that math actually line up? Nolan, Scott and Chaz discuss how to take the future of Social Security into consideration with your retirement plans on this episode of America's Retirement Headquarters. For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/See omnystudio.com/listener for privacy information.
Are you nearing retirement and wondering how to maximize your Social Security income? Maximizing Social Security benefits is key to retirement planning. In this video, we'll show you five key steps to ensure you get the most out of your Social Security benefit and we'll tell you exactly how your social security benefit is calculated. From understanding the impact of your claiming age to the role of work history, we'll break down everything you need to know. So, whether you're nearing retirement or planning ahead, these tips will help you make informed decisions. *Get Started Today* // https://www.foundryfinancial.org/get-started *Private Retirement Facebook Group* // http://facebook.com/groups/retirementforum
Did you know your Social Security benefits in retirement could be 100% tax-free? Perhaps you didn't even know Social Security would be taxable as many of you paid into the system for decades! Today we will unpack how Social Security retirement benefits are taxed, and most importantly how to reduce taxes on those benefits in retirement. A few notes for the listeners: Provisional Income / Social Security Tax Rates for 2023 Individual Not Taxable: Less than $25k Up to 50% Taxable: $25k-$34k Up to 85% Taxable: Over $34k Married Filing Jointly Not Taxable: Less than $32k Up to 50% Taxable $32k-$44k Up to 85% Taxable: More than $44k A helpful Kitces.com article https://www.kitces.com/blog/the-taxation-of-social-security-benefits-as-a-marginal-tax-rate-increase/
Join Greg Aler of Golden Reserve on Expedition Retirement as he dives into the flaws of the financial industry when it comes to retirement planning. If your “check retirement light” is on, what is your next step? What 89% of people want from their 401(k) but aren't getting. You've saved a good nest egg. You've won the game, why are you still at risk? How tax laws penalize the widow. What we can learn from a 10-dollar cookie in Las Vegas.
Tuesday, April 18th is tax day – the last day to file your returns. It's the time of year when many of us have how much we pay in taxes top-of-mind. Right now, the state legislature is considering a tax bill that could define what you pay for next year. Representatives in the house taxes committee spent the morning hearing from representatives of tribal nations, local governments, and advocacy groups on a DFL tax plan. The bill would send one-time payments to low- and middle-income earners and shield more retirees from paying taxes on their social security income. It also includes some property tax relief to offset rising prices. The bill also hikes taxes for some, by creating a so-called millionaire tax and requiring corporations to pay more for money they earn outside the country. All these points are central as lawmakers try to pass a budget in the next month. MPR News politics reporter Brian Bakst joined guest host Emily Bright to explain further.
WGN Radio's Ilyce Glink and Tom Fortino from Alpha Wealth Group give you the latest financial business news and financial planning advice and more! More than half of Americans who rent had a rent increase last year, and Ilyce and Tom start off talking about rules for Social Security income for people who are living […]
Welcome to this episode of Wisdom and Wealth. We are focusing in this year on our financial planning calendar and our process for clients. Social Security Income is often neglected in cashflow planning in retirement. People may forget the rules of thumb about when to file and how to best implement it into your cashflow planning. Please listen in for more on how we seek to fufill our calling by enabling our clients to fulfill their own unique calling. Please feel free to like, and share this episode as well as subscribe to our channel! JOSH KLOOZ, CFP®, MBASENIOR WEALTH PLANNERPhone 281.719.0036Text 281.699.8691Fax 281.719.0156 jklooz@carsonwealth.com1780 Hughes Landing | Suite 570The Woodlands, TX 77380Music by bensound.comPlease check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com
Welcome to this episode of Wisdom and Wealth. We are focusing in this year on our financial planning calendar and our process for clients. Social Security Income is often neglected in cashflow planning in retirement. People may forget the rules of thumb about when to file and how to best implement it into your cashflow planning. Please listen in for more on how we seek to fufill our calling by enabling our clients to fulfill their own unique calling. Please feel free to like, and share this episode as well as subscribe to our channel! JOSH KLOOZ, CFP®, MBASENIOR WEALTH PLANNERPhone 281.719.0036Text 281.699.8691Fax 281.719.0156 jklooz@carsonwealth.com1780 Hughes Landing | Suite 570The Woodlands, TX 77380Music by bensound.comPlease check out and subscribe to my Youtube Channel and Newsletter! JOSH KLOOZ, CFP®, MBA SENIOR WEALTH PLANNER Phone 281.719.0036 Text 281.699.8691 Fax 281.719.0156 jklooz@carsonwealth.com 1780 Hughes Landing | Suite 570 The Woodlands, TX 77380 Music by bensound.com
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Since 1987, Kevin McCarthy has been dedicated to creating a financial investment plan and model portfolio based on each client's unique goals and risk tolerance. Learning early on that each investor is unique and no single investment account is right for everyone, Kevin has been able to guide his clients in proper asset allocation offering each client a clear and personalized perspective with consistent performance.In 1993, Kevin founded McCarthy Financial Group, PA, a family owned, full-service financial planning firm. Built on honesty, integrity and personal service, McCarthy Financial Group seeks to improve our clients' sense of security when it comes to their financial future. Through his practice, Kevin has been able to complement each one of his clients by offering a very simple approach: identify the client's needs and goals, design and implement a plan of action, and more importantly, monitor and evaluate performance regularly and revise the plan as needed.As a Licensed Insurance Agent, Securities Licensed Registered Representative and Investment Advisor Representative, Kevin understands how necessary it is to have access to virtually every investment and estate-planning vehicle to better benefit his clients. Kevin is qualified and licensed to offer a variety of fixed insurance products such as annuities, life insurance, and long-term care, as well as a full range of registered securities from stocks, bonds, mutual funds, and CD alternatives.Learn More: https://www.mccarthyfinancialgroup.com/ Kevin C. McCarthy is a registered representative of and offers Securities and advisory service through Madison Avenue Securities, LLC. (MAS) a registered investment advisor, member FINRA & SIPC; MAS and McCarthy Financial Group, P.A. are not affiliated companies.Registered Investment Advisor – A170302Investing involves risk, including the potential loss of principal. It is not possible to invest in an index. Any references to protection, safety, or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.This book is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.McCarthy Financial Group is not permitted to offer, and no statement made during this presentation shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by McCarthy Financial Group.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-kevin-mccarthy-president-of-mccarthy-financial-group-p-a-discussing-how-to-maximize-social-security-income
Since 1987, Kevin McCarthy has been dedicated to creating a financial investment plan and model portfolio based on each client's unique goals and risk tolerance. Learning early on that each investor is unique and no single investment account is right for everyone, Kevin has been able to guide his clients in proper asset allocation offering each client a clear and personalized perspective with consistent performance.In 1993, Kevin founded McCarthy Financial Group, PA, a family owned, full-service financial planning firm. Built on honesty, integrity and personal service, McCarthy Financial Group seeks to improve our clients' sense of security when it comes to their financial future. Through his practice, Kevin has been able to complement each one of his clients by offering a very simple approach: identify the client's needs and goals, design and implement a plan of action, and more importantly, monitor and evaluate performance regularly and revise the plan as needed.As a Licensed Insurance Agent, Securities Licensed Registered Representative and Investment Advisor Representative, Kevin understands how necessary it is to have access to virtually every investment and estate-planning vehicle to better benefit his clients. Kevin is qualified and licensed to offer a variety of fixed insurance products such as annuities, life insurance, and long-term care, as well as a full range of registered securities from stocks, bonds, mutual funds, and CD alternatives.Learn More: https://www.mccarthyfinancialgroup.com/ Kevin C. McCarthy is a registered representative of and offers Securities and advisory service through Madison Avenue Securities, LLC. (MAS) a registered investment advisor, member FINRA & SIPC; MAS and McCarthy Financial Group, P.A. are not affiliated companies.Registered Investment Advisor – A170302Investing involves risk, including the potential loss of principal. It is not possible to invest in an index. Any references to protection, safety, or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.This book is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.McCarthy Financial Group is not permitted to offer, and no statement made during this presentation shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by McCarthy Financial Group.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-kevin-mccarthy-president-of-mccarthy-financial-group-p-a-discussing-how-to-maximize-social-security-income
Without Social Security, around 40% of retirees would live in poverty. Yet Social Security has become increasingly complicated. When is the best time to take it, and what's the best strategy? Listen in. Show website: https://www.providencefinancialpodcast.com Find us at: www.providencefinancialinc.com YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/
In this episode, Cash Flow King goes over the cliff notes version of Social Security retirement benefits (including spousal benefits and survivor benefits). Download your own Social Security statement at www.ssa.gov. 2022 Earnings Test Thresholds mentioned at the end: $19,560 limit if under FRA$51,960 limit in year you attain FRA (prior to the month in which you obtain FRA)Email questions to: RealTalkPersonalFinance@gmail.com
A Puerto Rican who lived in New York for years and then moved back to the U.S. island territory has his Social Security income cancelled, and gets forced to pay back $28,000. The Supreme Court (8-1) agrees with the government, saying if you don't have to pay all the federal taxes, you don't necessarily get all the benefits. But Associate Justice Sonia Sotomayor dissents, claiming that if the amount of tax contribution is the qualifier, perhaps poor stateside Americans (or poor states) should lose benefits as well. Are you next on the chopping block? Scott Ott, Alfonzo Rachel and Stephen Green created this episode via the contributions of our Members. Meet more patriots when you become a Member by clicking the big green button at https://BillWhittle.com
Social Security income is taxable. It wasn't designed that way, but in 1983 and again in 1993, Congress starting taxing more and more of your Social Security checks. In this show we talk about how it is taxed and how to minimize that tax. We also address the idea that this can be considered double taxation.
How is Social Security Taxed || How Much of Your Social Security Income is Taxable How is Social Security Taxed? What part of my social security income is taxable? These are just a few of the questions I have received lately about the taxability of social security. When you think about your social security benefit, oftentimes you don't think, "How Much of my social security income is taxable?" No, normally you're asking questions like, "When should I start social security" or "What is my social security benefit at 62 or 67?" Yes, those are great questions about social security, but I believe the bigger questions about social security are in the amount of taxes you will pay on your social security income. **Free Retirement Download: The Roadmap to Retirement:** https://yourfinancialekg.com/#download **To schedule your virtual retirement and investment consultation with Drew, please select a day & time that works best for you: https://calendly.com/pearlwealthgroup/discoverycall ** Pearl Wealth Group Drew Blackston, CRC® & RFC® Office: 813-807-5060 Info@pearlwealthgroup.com https://pearlwealthgroup.com/
Dear Rusty: I am getting hammered with taxes on my Social Security (SS). I am retired and draw a meager work pension and SS benefits. When my wife and I filed our joint tax return we owed the IRS a substantial amount of money – they took 85% of my SS in taxes. We are just barely over the minimal amount of income allowed for SS tax exemption. Is there anything I can do so I do not have to pay all this money at once at the end of the year? I didn't get any tax advice when I started drawing my SS and the guy who prepared our tax return couldn't have cared less. No one ever told me that I would get double-taxed on the SS that I worked so hard for. Any help or advice is appreciated, I cannot take another hit like this again. Signed: Double-Taxed
63% of American's exit the workforce reliant upon Social Security Income to survive. Evaluating the rising rates of inflation, Al Gordon raises the alarm on what will happen if you rely on this failing fund for your retirement plan. Click to Listen Now
63% of American's exit the workforce reliant upon Social Security Income to survive. Evaluating the rising rates of inflation, Al Gordon raises the alarm on what will happen if you rely on this failing fund for your retirement plan. Click to Listen Now
Get 2022 Medicare Advantage and Medicare Part D agent certification and product training info - all in one place! Learn how to access your carrier AHIP, MA certification, PDP certification, even product training details in Ritter's Certification Center. Read the text version. Register for your FREE RitterIM.com account Mentioned in this episode: Contact the Team at Ritter Insurance Marketing Learn More About Medicareful Ritter's Certification Center What Does 'Ready-to-Sell' Mean for Medicare Agents? What Is AHIP Certification and How Do I Get It? More episodes you'll like: AHIP Test Tips & Tricks for Medicare Certification Learn the rules for taking the AHIP test, information on discounts and reimbursement, how to prepare yourself, test-taking tips, legit tech hacks, and more! Before you begin your first attempt at AHIP certification, be sure to listen to this ASG Podcast episode! FAQs About NAHU Medicare Certification Got questions about NAHU's Medicare Advantage and Part D certification training? We've got answers! In this episode, we talk about the cost of NAHU certification, CE credits, training module topics, and more – you don't want to miss it!!! Advertising Medicare Through Facebook Is your insurance business on Facebook? We walk you through getting started, networking, advertising, and so much more! How to Recruit Insurance Agents on LinkedIn Not sure how to use LinkedIn as an insurance agent? We talk through the steps like creating your page, recruiting, and more! If you're just starting to use LinkedIn for your insurance business, you won't want to miss this episode. Important 2022 AHIP Certification Training Updates You Should Know 2022 AHIP certification is LIVE! Find out what's changed from last year and where you can find carrier-specific cert requirements! Largest COLA In a Decade Projected & How It Affects Part B Premiums What does the annual Cost of Living Adjustment (COLA) look like for 2022? Does the COLA impact Medicare Part B premiums? What about inflation, and Social Security Income? We cover it all in this info-packed episode! Maximum Broker Commissions for Medicare Advantage & Medicare Part D CMS recently released the 2022 maximum broker commissions for Medicare Advantage and Medicare Part D. Find out the dollar amounts you could receive for writing MA and PDP business this AEP. NAHU 2022 Medicare Certification Training NAHU's Medicare training certification is back for 2022. We talk about what's new with NAHU Medicare, Medicare Advantage, and compliance requirements training for the 2022 AEP. The Survivor's AEP Checklist Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare. What is AHIP Certification and How Do I Get It? Get the details on AHIP requirements, how certification works for insurance agents, ways to find discounts, and more. If you're getting ready for AEP, you don't want to miss this episode of the Agent Survival Guide Podcast! Articles to Share with Your Clients: 4 Easy Ways to Cool Down on a Hot Day Summer is a fun time to be outdoors. It's warm, the weather is usually great, and there's so much to do. But on hot days, it's easy to get overheated. How can you quickly cool down on hot days? The Benefits of Unplugging Our lives have become even more connected to the digital world, and for good reason. But, there are benefits to unplugging sometimes. What Does Medically Necessary Mean? Whether Medicare considers something medically necessary or not can define your coverage and what you'll be paying out-of-pocket. Here's what you need to know! Ritter Insurance Marketing eBooks & Guides: Agent Survival Kits: Beginners or Experts Developing an Agency – Your Guide to Getting Started The Complete Guide on How to Sell Medicare Advantage Plans The latest from Ritter's Blog: Understanding the Details of Annuities As an agent in the insurance market, what's the first thing you think of when you hear the word annuities? How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 State of the Senior Market: In Review Craig Ritter, CEO of Ritter Insurance Marketing, recently gave his annual State of the Senior Market address to 412 agents, who attended from all across the U.S. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram
The Friday Five for July 9, 2021: Medicare DVH Expansion HHS & Surprise Medical Bills Summer Reading for Advisors Breathing Exercises to Lower Blood Pressure? Shrinkflation Register for your FREE RitterIM.com account Mentioned in this episode: HHS Announces Rule to Protect Consumers from Surprise Medical Bills 5-Minute Daily Breathing Exercise May Equal Meds in Lowering Blood Pressure 10 Books Advisors Should Read This Summer Baked Feta 'TikTok Pasta': We Need To Talk About Where It Really Came From Beware Of 'Shrinkflation,' Inflation's Devious Cousin Endless Thread – “Shrinkflation” First rules to protect patients from unexpected medical bills issued by agencies Most surprise medical bills to end under new rule No Surprises Act Regs Leave Out Broker Comp Disclosure Regs One way companies are concealing higher prices: Smaller packages The Health 202: Expansions could be coming to Medicare TikTok made me buy it More episodes you'll like: July 2, 2021 | The Friday Five The Friday Five for July 2, 2021: third installment of CMS Proposed Rule 2022, update on attempts to add DVH to Medicare, Walmart & Novo Nordisk partner in new effort, how to take a mental health day, and how to block and report text spam. Largest COLA In a Decade Projected & How It Affects Part B Premiums What does the annual Cost of Living Adjustment (COLA) look like for 2022? Does the COLA impact Medicare Part B premiums? What about inflation, and Social Security Income? We cover it all in this info-packed episode! Podcast Recommendations for Summer 2021 Did someone say Summer 2021 Podcast Recommendations? Back by popular demand, Sarah has 10 more podcast recommendations to fill the void in your Summer vacation. Whether you're taking a family vacation, staycation, traveling back into the office, or just need something new to listen to, we've got you covered!
Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before you know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare. Read the text version. Register for your FREE RitterIM.com account Mentioned in this episode: AHIP Website Contact the Team at Ritter Insurance Marketing Register with RitterIM.com Ritter's Carrier Pages Ritter's Certification Center Ritter's Event Calendar Sense Success with Dental, Vision, and Hearing Plans The Advisor Approach: Cross-Selling by Fact-Finding What is AHIP Certification and How Do I Get It? More episodes you'll like: July 2, 2021 | The Friday Five In this episode: third Installment of CMS Proposed Rule 2022, update on attempts to add DVH to Medicare, Walmart & Novo Nordisk partner in new effort, how to take a mental health day, and how to block and report text spam. FAQs About NAHU Medicare Certification Got questions about NAHU's Medicare Advantage and Part D certification training? We've got answers! In this episode, we talk about the cost of NAHU certification, CE credits, training module topics, and more – you don't want to miss it!!! How Professional Organizations Make You a Better Agent Joining a professional organization could be just the boost your career needs. Learn 5 ways this strategy can benefit you and your insurance business. Largest COLA In a Decade Projected & How It Affects Part B Premiums What does the annual Cost of Living Adjustment (COLA) look like for 2022? Does the COLA impact Medicare Part B premiums? What about inflation, and Social Security Income? We cover it all in this info-packed episode! Maximum Broker Commissions for Medicare Advantage & Medicare Part D CMS recently released the 2022 maximum broker commissions for Medicare Advantage and Medicare Part D. Find out the dollar amounts you could receive for writing MA and PDP business this AEP. NAHU 2022 Medicare Certification Training NAHU's Medicare training certification is back for 2022. We talk about what's new with NAHU Medicare, Medicare Advantage, and compliance requirements training for the 2022 AEP. Articles to Share with Your Clients: COVID Vaccine Myths & Facts There are a lot of scary-sounding stories flying around the internet about COVID vaccines right now. Let's decipher which ones are myths and the truth about the COVID vaccines. Using Basil in Your Cooking Basil is one of the most versatile herbs, but you can lose a lot of its benefits if you prepare or cook it wrong. Here's how you can get the most out of using basil in your cooking! What Does Medically Necessary Mean? Whether Medicare considers something medically necessary or not can define your coverage and what you'll be paying out-of-pocket. Here's what you need to know! 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 Prescription Drug Plans The latest from Ritter's Blog: AHIP Test Tips and Tricks for Medicare Certification Planning on taking the AHIP Medicare training test for the first time? You don't have to stress! We've put together a list of tips and tricks for passing AHIP that will help you, and even more experienced agents, improve your chances of getting AHIP certified on the first try! 3 Benefits of Contracting to Sell Medicare Advantage Plans Outside of AEP Anyone in the Medicare industry is familiar with the rush to prepare for the Annual Enrollment Period. What if you could take care of a key sales task before AEP ramps up? NAHU 2022 Medicare Certification Training Like AHIP, NAHU is back offering a Medicare certification training for agents who'd like to sell 2022 Medicare Advantage and Part D products for the Annual Enrollment Period. NAHU's 2022 certification is now open! Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram
The Friday Five for June 25, 2021: KFF Medicare Advantage in 2021 studies How CVS helps cut wasteful consumer spending DVH benefits coming to Medicare? American Rescue Plan Child Tax Credit Info The Never Less, Never More Strategy Register for your FREE RitterIM.com account Mentioned in this episode: 2021 Child Tax Credit: Here's who will get up to $1,800 per child in cash — and who will need to opt out Advance Child Tax Credit Eligibility Assistant CVS cut 72 drugs with 'hyperinflated' prices from its formulary last year Medicare Advantage in 2021: Enrollment Update and Key Trends Medicare Advantage in 2021: Premiums, Cost Sharing, Out-of-Pocket Limits and Supplemental Benefits Medicare Advantage in 2021: Star Ratings and Bonuses Schumer backing plan to add dental, vision and hearing coverage to Medicare >Schumer, Sanders working to add dental and vision coverage to Medicare Why the Most Successful People Follow the Rule of Never Less, Never More More episodes you'll like: June 18, 2021 | The Friday Five The Friday Five for June 18, 2021: AHIP Certification News, AHIP Health Coverage Map, KFF Medicare Part D Enrollment Analysis, Apple Podcasts Subscriptions, and Federal Reserve Meeting + Inflation Clarification. Important 2022 AHIP Certification Training Updates You Should Know 2022 AHIP certification is LIVE! Find out what's changed from last year and where you can find carrier-specific cert requirements! Largest COLA In a Decade Projected & How It Affects Part B Premiums What does the annual Cost of Living Adjustment (COLA) look like for 2022? Does the COLA impact Medicare Part B premiums? What about inflation, and Social Security Income? We cover it all in this info-packed episode! Maximum Broker Commissions for Medicare Advantage & Medicare Part D CMS recently released the 2022 maximum broker commissions for Medicare Advantage and Medicare Part D. Find out the dollar amounts you could receive for writing MA and PDP business this AEP. NAHU 2022 Medicare Certification Training NAHU's Medicare training certification is back for 2022. We talk about what's new with NAHU Medicare, Medicare Advantage, and Compliance Requirements training for the 2022 AEP. Articles to Share with Your Clients: COVID Vaccine Myths & Facts There are a lot of scary-sounding stories flying around the internet about COVID vaccines right now. Let's decipher which ones are myths and the truth about the COVID vaccines. FDA Approves First Alzheimer's Drug Since 2003 The Food & Drug Administration has approved the first Alzheimer's disease drug in almost twenty years, but with it has come controversy. The Truth About MSG The chemical monosodium glutamate is a surprisingly controversial one. What's the truth behind MSG, and is it really that bad for you? Ritter Insurance Marketing eBooks & Guides: Agent Survival Kits: Beginners or Experts Social Media Marketing for Insurance Agents The Complete Guide on How to Sell Medicare Advantage Plans The latest from Ritter's Blog: 2022 Maximum Broker Commissions for Medicare Advantage & Medicare Part D For the seventh year running, CMS has increased the maximum broker commissions for both Medicare Advantage and Part D initial enrollments and continued the growth of maximum Medicare broker commissions for 2022 renewals. How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 State of the Senior Market: In Review Craig Ritter, CEO of Ritter Insurance Marketing, recently gave his annual State of the Senior Market address to 412 agents, who attended from all across the U.S. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram
NAHU's Medicare training certification is back for 2022. We talk about what's new with NAHU Medicare, Medicare Advantage, and Compliance Requirements training for the 2022 AEP. Read the text version. Register for your FREE RitterIM.com account Mentioned in this episode: 2022 Medicare, Medicare Advantage and Compliance Requirements* (*Goes live 7/1/2021!) Carriers Accepting NAHU Certification Contact the Team at Ritter Insurance Marketing FAQs About NAHU Medicare Certification How Professional Organizations Make You a Better Agent NAHU Course Credit Details NAHU Online Learning Institute More episodes you'll like: FAQs About NAHU Medicare Certification Got questions about NAHU's Medicare Advantage and Part D certification training? We've got answers! In this episode, we talk about the cost of NAHU certification, CE credits, training module topics, and more – you don't want to miss it!!! How Professional Organizations Make You a Better Agent Joining a professional organization could be just the boost your career needs. Learn 5 ways this strategy can benefit you and your insurance business. June 18, 2021 | The Friday Five The Friday Five for June 18, 2021: AHIP Certification News, AHIP Health Coverage Map, KFF Medicare Part D Enrollment Analysis, Apple Podcasts Subscriptions, and Federal Reserve Meeting + Inflation Clarification. Largest COLA In a Decade Projected & How It Affects Part B Premiums What does the annual Cost of Living Adjustment (COLA) look like for 2022? Does the COLA impact Medicare Part B premiums? What about inflation, and Social Security Income? We cover it all in this info-packed episode! Maximum Broker Commissions for Medicare Advantage & Medicare Part D CMS recently released the 2022 maximum broker commissions for Medicare Advantage and Medicare Part D. Find out the dollar amounts you could receive for writing MA and PDP business this AEP. Articles to Share with Your Clients: Dealing with Allergies Allergies are very common and can be a real drain on your quality of life. In worst cases, they can even be deadly. How can you go about life dealing with allergies? Using Basil in Your Cooking Basil is one of the most versatile herbs, but you can lose a lot of its benefits if you prepare or cook it wrong. Here's how you can get the most out of using basil in your cooking! Where to Turn for Medicare Help With a program as encompassing and broad as Medicare, it's understandable that you may have some questions. Here's where you can turn for Medicare help! Ritter Insurance Marketing eBooks & Guides: The Complete Guide on How to Sell Medicare Advantage Plans The Complete Guide on How to Sell Prescription Drug Plans Your Step-By-Step Guide to Getting Started in Insurance Sales The latest from Ritter's Blog: 2022 Maximum Broker Commissions for Medicare Advantage & Medicare Part D For the seventh year running, CMS has increased the maximum broker commissions for both Medicare Advantage and Part D initial enrollments and continued the growth of maximum Medicare broker commissions for 2022 renewals. How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 State of the Senior Market: In Review Craig Ritter, CEO of Ritter Insurance Marketing, recently gave his annual State of the Senior Market address to 412 agents, who attended from all across the U.S. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram
Get the details on AHIP requirements, how certification works for insurance agents, ways to find discounts, and more. If you're getting ready for AEP, you don't want to miss this episode of the Agent Survival Guide Podcast! Read the text version. Register for your FREE RitterIM.com account Frequently Asked Questions about AHIP: [5:56.086] Do I need to pass AHIP if I already passed last year? [6:34.257] Do I need to complete the AHIP training review questions? [6:55.029] How many attempts at the AHIP test do I get? [7:15.357] How long must I take between failed attempts? [7:41.793] Do I have to take AHIP directly through their website? [8:07.803] Do I have to take the training on a computer? [8:23.557] How much does AHIP cost?> [8:32.321] Can I get an AHIP certification discount? [9:04.170] Is it possible to get a $125 AHIP reimbursement? [10:20.844] Is there a deadline to pass AHIP to sell in 2022? [10:39.696] Is AHIP an open-book test? [10:48.254] Is AHIP a timed test? [11:06.595] What score do I need to pass? [11:15.187] How much should I prepare? Mentioned in this episode: AHIP Medicare + Fraud, Waste, and Abuse (MFWA) Training Site America's Health Insurance Plans (AHIP) Description Find Your Ritter Sales Specialist Important 2022 AHIP Certification Training Updates You Should Know Register for your FREE RitterIM.com account Ritter's Carrier Certification Info Ritter Carrier Product Info The Survivor's AEP Checklist More episodes you'll like: AHIP Test Tips & Tricks for Medicare Certification Learn the rules for taking the AHIP test, information on discounts and reimbursement, how to prepare yourself, test-taking tips, legit tech hacks, and more! Before you begin your first attempt at AHIP certification, be sure to listen to this ASG Podcast episode! How to Check for Your First Looks Get your First Looks and get ready to succeed this AEP! In this episode, we talk carrier first looks, how to find them on the Ritter platform, and what you can do with the info you learn! How to Recruit Insurance Agents to Your Downline Want to build a successful downline for your insurance business? Don't miss our best practices for recruiting agents to your agency! And be sure to check out the show notes for a link to grab your copy of our eBook – Developing an Agency – Your Guide to Getting Started. Largest COLA In a Decade Projected & How It Affects Part B Premiums What does the annual Cost of Living Adjustment (COLA) look like for 2022? Does the COLA impact Medicare Part B premiums? What about inflation, and Social Security Income? We cover it all in this info-packed episode! Maximum Broker Commissions for Medicare Advantage & Medicare Part D CMS recently released the 2022 maximum broker commissions for Medicare Advantage and Medicare Part D. Find out the dollar amounts you could receive for writing MA and PDP business this AEP. Articles to Share with Your Clients: Cookbooks vs. Cooking Books: What's the Difference? If you're looking to improve your cooking, there are options you can try at home. Among these are cookbooks and cooking books. You may be surprised by the difference between the two. FDA Approves First Alzheimer's Drug Since 2003 The Food & Drug Administration has approved the first Alzheimer's disease drug in almost twenty years, but with it has come controversy. What Certifications & Training Does a Medicare Sales Agent Need? Trust is essential in any relationship, especially one with someone who's supposed to help you find a Medicare plan. Luckily, agents who sell Medicare plans must complete specific certifications and trainings! Ritter Insurance Marketing eBooks & Guides: Agent Survival Kits: Beginners or Experts Modern Medicare Marketing for Today's Agents The Complete Guide on How to Sell Medicare Advantage Plans The Complete Guide to Client Loyalty and Retention Your Step-By-Step Guide to Getting Started in Insurance Sales The latest from Ritter's Blog: 2022 Maximum Broker Commissions for Medicare Advantage & Medicare Part D For the seventh year running, CMS has increased the maximum broker commissions for both Medicare Advantage and Part D initial enrollments and continued the growth of maximum Medicare broker commissions for 2022 renewals. How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 State of the Senior Market: In Review Craig Ritter, CEO of Ritter Insurance Marketing, recently gave his annual State of the Senior Market address to 412 agents, who attended from all across the U.S. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram
2022 AHIP certification is LIVE! Find out what's changed from last year and where you can find carrier-specific cert requirements! Read the text version. Register for your FREE RitterIM.com account Mentioned in this episode: AHIP Medicare + Fraud, Waste, and Abuse (MFWA) Training America's Health Insurance Plans Official Website Register for your FREE RitterIM.com account Ritter's Certification Center More episodes you'll like: June 18, 2021 | The Friday Five The Friday Five for June 18, 2021: AHIP Certification News, AHIP Health Coverage Map, KFF Medicare Part D Enrollment Analysis, Apple Podcasts Subscriptions, Federal Reserve Meeting + Inflation Clarification Largest COLA In a Decade Projected & How It Affects Part B Premiums What does the annual Cost of Living Adjustment (COLA) look like for 2022? Does the COLA impact Medicare Part B premiums? What about inflation, and Social Security Income? We cover it all in this info-packed episode! Maximum Broker Commissions for Medicare Advantage & Medicare Part D CMS recently released the 2022 maximum broker commissions for Medicare Advantage and Medicare Part D. Find out the dollar amounts you could receive for writing MA and PDP business this AEP. Articles to Share with Your Clients: Dishes to Impress Your Friends: Crêpes Impressive meals don't just have to be at dinnertime. If you're having friends over for breakfast or brunch and want to flex your culinary muscles, try whipping up the amazing Crêpe Suzette! The Signs of Heatstroke and Heat Exhaustion It's not uncommon to feel hot during the summer, but when does it become a problem? What are some of the signs of heatstroke and heat exhaustion? What to Do If Your Medicare Card is Lost or Stolen Knowing what to do if your Medicare card is lost or stolen is important. Luckily, getting a replacement Medicare card is easy. Here's how to get a new Medicare card! 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 Prescription Drug Plans The latest from Ritter's Blog: How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 State of the Senior Market: In Review Craig Ritter, CEO of Ritter Insurance Marketing, recently gave his annual State of the Senior Market address to 412 agents, who attended from all across the U.S. Prospecting for Clients for Dental, Vision, and Hearing Insurance Sales If you're considering selling dental, vision, and hearing (DVH) plans, where would you find leads? You might be surprised to learn that your DVH prospects could already be in your Medicare book of business! Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram
The Friday Five for June 18, 2021: AHIP Certification News AHIP Health Coverage Map KFF Medicare Part D Enrollment Analysis Apple Podcasts Subscriptions Federal Reserve Meeting + Inflation Clarification Register for your FREE RitterIM.com Account Mentioned in this episode: AHIP Medicare + Fraud, Waste, and Abuse (MFWA) Training AHIP Health Coverage: State-to-State 2021 America's Health Insurance Plans Official Website Apple has reportedly considered launching its own primary healthcare service Apple Podcasts Subscriptions and channels are now available worldwide Federal Reserve boosts inflation expectations to 3.4 percent this year, moves up expectations for interest rate hike Federal Reserve Now Projects Rate Increases in 2023 as Economy Heals It's not just you—the Apple podcast app is a disaster Key Facts About Medicare Part D Enrollment, Premiums, and Cost Sharing in 2021 What's Actually Causing Prices to Spike What Next Podcast – “The Fight Over Rising Prices” More episodes you'll like: June 11, 2021 | The Friday Five The Friday Five for June 11, 2021: Apple Podcasts Update, First Looks for Ritter Agents, Walmart and Amazon Pharmacy updates, New controversial Alzheimer's drug, and a sales skills refresher. Advertising Medicare Through Facebook Is your insurance business on Facebook? We walk you through getting started, networking, advertising, and so much more! How to Check for Your First Looks Get your First Looks and get ready to succeed this AEP! In this episode, we talk carrier first looks, how to find them on the Ritter platform, and what you can do with the info you learn! Largest COLA In a Decade Projected & How It Affects Part B Premiums What does the annual Cost of Living Adjustment (COLA) look like for 2022? Does the COLA impact Medicare Part B premiums? What about inflation, and Social Security Income? We cover it all in this info-packed episode! Maximum Broker Commissions for Medicare Advantage & Medicare Part D CMS recently released the 2022 maximum broker commissions for Medicare Advantage and Medicare Part D. Find out the dollar amounts you could receive for writing MA and PDP business this AEP. Articles to Share with Your Clients: All About Community Gardens Do you want to start a garden, but don't have the space or ability? Or, are you looking for something to bring your neighborhood together? You can do all that with a community garden! Recharging After a Bad Night's Sleep Have you ever woken up after a night of tossing and turning, begging for more sleep? Here are a few ways you can recover after a bad night's sleep! The Health Benefits of Lemon Lemon is a great ingredient to use in your cooking, but can it also be healthy for you? Yes! Lemons are packed with antioxidants and nutrients that can be great for your health. Ritter Insurance Marketing eBooks & Guides: Agent Survival Kits: Beginners or Experts How to Host a Successful Medicare Educational Event The Complete Guide on How to Sell Medicare Advantage Plans The latest from Ritter's Blog: 2022 Maximum Broker Commissions for Medicare Advantage & Medicare Part D For the seventh year running, CMS has increased the maximum broker commissions for both Medicare Advantage and Part D initial enrollments and continued the growth of maximum Medicare broker commissions for 2022 renewals. How to Check for Your First Looks The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period! 2021 State of the Senior Market: In Review Craig Ritter, CEO of Ritter Insurance Marketing, recently gave his annual State of the Senior Market address to 412 agents, who attended from all across the U.S. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram
In this episode (aired on 6/13/21), Ron DeLegge explains how to get your Social Security income completely free from income taxes in retirement. Doing so can help you avoid spending down or running out of money after you retire! Also up: A rundown of trends in global financial markets plus ETFs mentioned in this episode include SCHB, MIDU, TNA, REET and others. Are you near or already in retirement? Get Ron's FREE e-Book: 60 Smart Ways to Retire Better https://60-smart-ways.etfguide.com/
What does the annual Cost of Living Adjustment (COLA) look like for 2022? Does the COLA impact Medicare Part B premiums? What about inflation, and Social Security Income? We cover it all in this info-packed episode! Read the text version. Contact the Team at Ritter Insurance Marketing Mentioned in this episode: Cost-Of-Living Adjustments CPI-Urban Wage Earners and Clerical Workers (Current Series) How 2018 Social Security COLA Affects Part B Enrollees How Medicare Premium Hikes, Small Social Security COLAs Squeeze Retirees Social Security's cost-of-living adjustment could be higher next year. But that doesn't necessarily mean the money will go further Social Security's cost-of-living adjustment isn't keeping up with prices retirees pay Social Security: Cost-of-Living Adjustments Social Security COLA for 2022 Expected to Be Biggest Since 2009 The Senior Citizen's League More episodes you'll like: June 11, 2021 | The Friday Five The Friday Five for June 11, 2021: Apple Podcasts Update, First Looks for Ritter Agents, Walmart and Amazon Pharmacy updates, New controversial Alzheimer's drug, and a sales skills refresher How to Check for Your First Looks Get your First Looks and get ready to succeed this AEP! In this episode, we talk carrier first looks, how to find them on the Ritter platform, and what you can do with the info you learn! How to Recruit Insurance Agents to Your Downline Want to build a successful downline for your insurance business? Don't miss our best practices for recruiting agents to your agency! And be sure to check out the show notes for a link to grab your copy of our eBook – Developing an Agency – Your Guide to Getting Started. Maximum Broker Commissions for Medicare Advantage & Medicare Part D CMS recently released the 2022 maximum broker commissions for Medicare Advantage and Medicare Part D. Find out the dollar amounts you could receive for writing MA and PDP business this AEP. Should You Hire an Assistant for Your Insurance Business? You're the agent who can do it all! But sometimes, you need a little help. How do you know when you've reached that point? When is it time to hire help for your insurance business? Articles to Share with Your Clients: Dealing with Allergies Allergies are very common and can be a real drain on your quality of life. In worst cases, they can even be deadly. How can you go about life dealing with allergies? Using Lemon in Your Cooking For many beginning home cooks, lemon is easily one of the most valuable, underutilized ingredients you can find in most grocery stores. Lemon can add brightness and balance, and that's not all! What's the Difference Between an HMO and a PPO? HMO and PPO Medicare Advantage plans can make a massive difference to your coverage options and what you pay for the care you need. Ritter Insurance Marketing eBooks & Guides: Developing an Agency – Your Guide to Getting Started How to Host a Successful Medicare Educational Event The Complete Guide to Client Loyalty and Retention The latest from Ritter's Blog: 2021 State of the Senior Market: In Review Craig Ritter, CEO of Ritter Insurance Marketing, recently gave his annual State of the Senior Market address to 412 agents, who attended from all across the U.S. Advertising Medicare Through Facebook In a world where social distancing has become the norm, we've all turned to social media to stay connected with others. Why not advertise Medicare on social media and grow your insurance business digitally? The Basics of Selling Insurance from Home Your client base is in a different state, your country's fighting a pandemic, or you just like working from home. Whatever the reason, you want to start running your insurance business remotely. Subscribe & Follow: Apple Podcasts Google Podcasts Overcast Podbean Spotify Stitcher Connect on social: Facebook LinkedIn Twitter YouTube Instagram Sarah's LinkedIn Sarah's Instagram
Retiring takes some serious coordination. Don't go it alone. Listen to my podcast and learn when the best time is to take Social Security Income, and more! Have a great week. Eric
In this episode, Jeff and Kelly discuss the history of Social Security, how you qualify and ways you can maximize your Social Security Income.
Montana lawmakers will take another crack at changing how the state collects taxes on Social Security income. A similar proposal was vetoed by Democratic Gov. Steve Bullock .
The best timing for you to begin Social Security benefit.
Ten Questions You Need To Answer1. Have you reviewed your Pension (Annuity Income) and/or Survivor Payout in the last 12 months?2. Does your Plan (Tier) offer a Pension Alternative (DROP) ? If so, have you compared it to the Annuity Payout Option?3. How Healthy is Your Pension? Will it outlast you? See Next Section For Details on your Plan. 4. Is your 403B/457 Allocation Setup to minimize a major market correction ? 5. Have you reviewed the impact of taxes on the distribution of your 403B/457? 6. Do you have a plan to maximize your Social Security Income? 7. Are Your Beneficiary Designations Updated (Life Insurance/Pension/403B/457)? 8. Have you reviewed your Group Life and LTC Insurance Plans? Are you planning on keeping the Insurance at Retirement?9 Do you know what your Health Insurance Costs will be at Retirement? Do you understand your medicare options?10. Do you have a trusted retirement planner (Fiduciary) who is an expert on Your Benefits/(Pension)Retirement?
If you're aging into Medicare, don't go anywhere. In today's video, we're going to talk about your Initial Enrollment Period.Medicare comes with many different enrollment periods. It's important to understand the difference between each one. Your Initial Enrollment Period is the first window of opportunity you have to enroll in Parts A and B, as well as Part D.Your Initial Enrollment Period is a seven-month window. It begins three months before your 65th birthday, lasts the month of your birthday, and will continue three months after your birthday. If your birthday happens to fall on the first of the month then your IEP will begin the month before your 65th birthday. For example, if your birthday is on July 1, your IEP begins on March 1, and your coverage will become effective on June 1.It's important to know that your Initial Enrollment Period only comes around once in your lifetime. The only exception is for those collecting Social Security Disability Income, in which case, your IEP comes around twice. Your first IEP will begin 24 months after you first collect SSDI. When you turn 65, you will have another IEP.During this window, you can enroll in Original Medicare (Parts A and B) and Part D. When you enroll during your IEP, you can avoid the late penalties that come with Part B and Part D when you don't have creditable coverage. You can also enroll in a Medicare Advantage plan during this window because your Initial Coverage Election Period for Advantage is also a seven-month window beginning six months before your 65th birthday and ending the last month before you enroll in Part B or the last month of your Initial Enrollment Period.When it comes to Medicare Supplements, your Initial Enrollment Period is important because it will activate your Medicare Supplement Open Enrolment Period once you enroll in Part B. When you enroll in Part B, your six-month window to enroll in a Medicare Supplement plan without having to answer any health questions will begin.If you're collecting Social Security Income before turning 65, you'll be automatically enrolled in Part A and Part B when you age in. If you're not collecting Social Security by age 65, then you'll need to actively enroll in Parts A and B.If you work for an employer with fewer than 20 employees, have retiree insurance, or TRICARE, you'll want to take advantage of your IEP and enroll in Parts A and B. This is because your Medicare becomes primary and your other coverage becomes secondary. If you don't enroll in Parts A and B when you're first eligible, you could be subject to paying 80% of your medical costs out-of-pocket.If you work for an employer with more than 20 employees, your employer coverage becomes primary. At this time, you'll have the option to enroll in Part A or B without penalties if you delay coverage.Since Part A is premium-free for most, the majority of people choose to enroll in it. You can choose to delay enrolling in Parts B and D since your employer group coverage is considered creditable and you'll get a Special Enrollment Period when you leave it.Now, if you happen to miss your IEP, you will have to wait until the General Enrollment Period to enroll in Parts A and B. This occurs annually between January 1 and March 31. However, your coverage won't begin until July 1. This could leave you with a gap in coverage. If you went more than 12 months after your IEP, you could start incurring penalties if you didn't have creditable coverage.If you didn't enroll in a Part D plan during your IEP, the next opportunity you have is the Annual Enrollment Period. This enrollment period occurs each year between October 15 and December 7.Youtube Video : https://youtu.be/ez15SApv8aE
This week, I’m explaining social security retirement benefits and a few of the more important considerations you’ll want to keep in mind as you decide when to begin collecting your checks. Today, I’m talking about how to avoid the social security taxation trap. A common question many people ask is: Is social security taxed? I hate to break it to you, but yes it is...and it gets taxed at a fairly low income threshold as well. Up to 85 percent of your benefits become taxable if your income is more than $34,000 (individual) or $44,000 (couple). On top of that, several states also tax your social security benefits! Considering you paid into social security your entire working life, it seems more than a little unfair that you also pay taxes on your social security checks in retirement too. So it’s important to consider how social security will be taxed in your situation, so you don’t overestimate your NET income from social security in retirement. If you don’t consider the taxes, and plan on more income then you’ll actually end up having, it could be a big oops surprise in retirement and may force you to cut your spending in retirement to make up the difference. So when you’re figuring out how much after-tax income you’ll need to live comfortably in retirement, you’ll want to consider how all of your income sources will be taxed, and remember that social security is taxed as well when your income exceeds certain thresholds. That’s it for today. Thanks for listening. My name is Ashley Micciche and this is the One Minute Retirement Tip. --------- >>> Subscribe on iTunes: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Check out our blog: https://truenorthretirementadvisors.com/blog/ ---------- Tags: retirement, investing, money, finance, finances, financial planning, retirement planning, saving money, personal finance, wealth management, money tips, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast
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"Tax on a tax" sounds fair right? How much taxes will you owe on your Social Security income in retirement? How much taxes do you pay now to qualify for Social Security? How is your benefit calculated? All these questions are answered in this Retiree Question episode. Our clients are constantly asking, so here is the answer.
Are you aging into Medicare and still working? Don't go anywhere! In this video, we explain how your employer coverage works with Medicare. My name is Lindsay Engle, and I'm the Medicare Expert for Elite Insurance Partners and MedicareFAQ.com. The size of your employer will be a factor in your Medicare decision when you're 65 years old and still working.If Your Employer Has 20+ Employees:If your employer has more than 20 employees, your employer coverage becomes primary, and Medicare becomes secondary. In this scenario, most beneficiaries choose to enroll in Part A because Part A is usually premium-free as long as you have paid into Medicare for sufficient quarters. If you end up at the hospital, your Part A benefits will help keep your out-of-pocket cost lower.Part B is your outpatient coverage, and Part D is your prescription drug coverage. As long as your employer has more than 20 employees, the coverage is considered creditable under Medicare. This allows you to delay enrolling in Part B and Part D without being penalized.Because employer group coverage usually includes outpatient services and prescription drug coverage, most beneficiaries choose to delay enrolling since each comes with a monthly premium. Down the road, when you retire, you'll qualify for a Special Election Period. You'll be able to enroll in both Part B and Part D without incurring any penalties. If Your Employer Has Fewer Than 20 Employees:If your employer has fewer than 20 employees, your Medicare becomes primary, and employer coverage is secondary. In this scenario, you'll want to enroll in both Part A and Part B. If you don't, you could be responsible for paying 80% of your outpatient services as well as incur a late penalty.An Exception:If you have a high-deductible plan and health savings account, and you plan to continue contributing or accepting your employer's contributions, you shouldn't enroll in any parts of Medicare. This is because the IRS states that if you have any additional coverage, including Part A, you cannot continue contributing to your HSA.Important Tips:• It's important to make sure your employer notifies Medicare that you have retired to avoid rejection of any of your medical bills• If you're currently collecting Social Security Income, you will automatically be enrolled in Part A. You cannot collect SSI without also enrolling in Part A.If you plan to continue working past 65 and delay retirement, I hope you found this video helpful. If you did, make sure to subscribe to our YouTube Channel! Turn notifications on, so you know as soon as we upload a new video.Medicare and Employer Coverage FAQ: https://www.medicarefaq.com/faqs/medicare-and-employer-coverage/Medicare & HSA: https://www.medicarefaq.com/faqs/hsa-and-medicare/Our Medicare Facebook Community: https://www.facebook.com/groups/MedicareFAQ/#Medicare #Turning65 #EmployerGroupCoverage
The best timing to begin Social Security benefit for you.
Understanding Social Security benefits for spouses and ex-spouses.
You have spent the last 45 years investing in 401k's and IRA's, building up a nest egg. Many people believe that on retirement, you would pull out all of your investments, put it into a savings account, and live off of it for the next 30 years. Today Grant and Jeremy talk through the reality that this strategy simply won't work and outline a plan for how to stay invested longer and continue to build wealth so you can further your kingdom impact even after your paychecks stop. Watch our video explaining recessions here. Watch our other video about Social Security Income here. We have done several other podcast about retirement: A Biblical View of Retirement How To Be Proud of What Investments You Own When Can You Retire? When Should You Take Social Security? Getting the Most out of Social Security What Does Diversification Really Mean?
(*-Hopefully.) Omar Moore with important information and tips about checking on the status of your stimulus check at http://www.irs.gov. People on Social Security Income or VA benefits who also have children under 17 MUST submit info to the IRS website NO LATER THAN MAY 5, 2020 to get their stimulus payment this year. You will want to listen to this episode as Omar takes you through the process step by step. Plus: Sunday headlines, including on Michigan governor Gretchen Whitmer and Tara Reade. May 3, 2020. The Politicrat YouTube page: https://bit.ly/3bfWk6V The Politicrat Facebook page: http://bit.ly/3bU1O7c The Politicrat blog: http://politicrat.politics.blog Tweet to Omar: http://twitter.com/thepopcornreel
This week, Hans and Robby discuss plans coming together, specifically, how having a plan for your income in retirement can reduce the tax you pay on your Social Security benefit. While only 13 states charge income tax on Social Security, the federal government will charge everyone who falls into their set threshold. Hans goes over these thresholds. If all you have to live off of is Social Security, you won’t pay taxes. It is when you throw other income in there that it can be complicated. 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.
There are 5 critical factors … that could significantly impact your social security income. Find out what they are, on Retirement Solutions Radio show. Air Date: 2/15/20
There are 5 critical factors … that could significantly impact your social security income. Find out what they are, on Retirement Solutions Radio show. Air Date: 12/28/19
There are 5 critical factors … that could significantly impact your social security income. Find out what they are, on Retirement Solutions Radio show. Air Date: 10/19/19
You have a 96% chance … of losing $111,000 when you claim your social security benefits. Learn how you could avoid this, on Retirement Solutions Radio. Air Date: 8/10/19
4 Tips that COULD raise your Social Security Income by 5 to 50 percent. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/echomeldradio/message
What is the number 1 concern for people thinking about retirement? Turns out they are mostly worried about running out of money. Can't blame them actually. Who wants to go back to the workforce after 5 years of retirement? Shoot, would you even be able to go back to where you left? Probably not. So, a career as a Walmart greet waits you... Well, not so fast! Lots of studies have come out over the last 15 years or so that shows as people get older in retirement they actually spend less each and every year. And, yes, this does include health care expenses too. Weird huh? I mean why haven't more people been saying this stuff. Come on, you're not that ignorant are you? The investment industry has a huge incentive to get you to save, save, save in order to charge you fees for that savings! I'm not saying don't save. Indeed, I think you should, up to the point that it makes sense to stop. And that is where consumption comes in. How much will you actually need in retirement? Please do not use the 80% of current income rule of thumb. There is no validity to that whatsoever. Is it applicable for some? Sure. But so isn't using 120% or 40% of current income. Yet, we don't use those numbers. The interesting thing is most Americans don't spend nearly what they are told they will in retirement. There are reasons for this, actually. As they get older they lose desire to do some of the things they did when they were younger. Look at me. I'm 47 right now. The last thing in the world I want to do is go out on New Years Eve. But, man oh man, 20 years ago??? In this video, I share with you the article that started the whole "Reality Retirement Planning" discussion. A financial planner in WI, Ty Bernicke found that his older retirees were spending much less than his younger retirees. He wondered if there was something to that Lo and behold, there was! He researched the Bureau of Labor Statistics and their Consumer Expenditure Survey and found that as people get older they spend less...a lot less. Again, will that happen for everyone? No. Will it happen for you? I have no clue. But the numbers are the numbers and what BLS reports is that people do spend less as they age. Now this may be attributed to them running out of money and thus being forced into lesser spending. Maybe But in Ty's practice and mine as well, that hasn't been the case. The retirees I've dealt with in my 20+ yrs simply are more frugal in retirement. No other way around it. SO, because of that they seem to add to their portfolios each year, even when accounting for Required Distributions. A guy over at Fool.com wrote an article in 2016 and updated in 2017 about his experience in living on $3700 a month income. When you factor in Social Security with a PIA of =$1800 for one worker and his spouse taking half that benefit, you're getting $2700 a month in Social Security Income, which means you only need your portfolio to generate $10k a year. $10k/.04 (using the 4% rule) means we need a portfolio of around $300k to be conservative to make it. Have you ever heard that? I bet not. Now, the one thing I will tell folks is that if you go into retirement DEBT-FREE you will be in a better place, regardless of anything else Try to do that one thing and you're going to be in a pretty good place. https://www.forbes.com/sites/forbesfinancecouncil/2017/11/21/a-solution-for-the-top-concern-in-retirement-planning-running-out-of-money/#5f163912a7bb https://www.fool.com/retirement/general/2016/01/25/heres-what-the-average-retired-americans-budget-lo.aspx https://www.i-orp.com/help/RealityRetirementPlanning.pdf --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support
What's the most important thing for your retirement??? Think about it, if you need. The #1 thing in your retirement is what? DId you say, Investment Portfolio? WRONG!!! Social Security Income??? Wrong!!! The number one thing for your retirement is your expenses, how much will it cost for you to live.? Why this is not the main focus for financial planners I simply can not say. However, once we get a gauge of the true expenses you will have we can do MUCH better planning. This older white paper shows, once again, that expenses actually DECREASE once retirement sets upon us. Counter to conventional wisdom I know. And even better, as some are wont to do, these expenditures decrease for nearly everyone, no matter their wealth or income levels. That changes everything, no? https://pdfs.semanticscholar.org/204f/24a83f7942a78cf2ffe8d71790416bb95879.pdf --- Support this podcast: https://anchor.fm/josh-scandlen-podcast/support
This week Mike and Brian Decker discuss the in's and out's of Social Security. We dive into the details that many Social Security Experts even fail to catch. This week, we also discuss the market conditions in your market minute, review 7 tax traps retirees face, and review reasons why individuals are unable to enjoy their ideal retirement. We end with solutions that can help folks retire years before they thought they could.
How do I Double Social Security Income? And... “things are getting WORSE since I have been imagining.... Want results? Join us TODAY in ManifestingMasteryCourse.com and make the next 90 Days the.....
Welcome to another episode of the Retirement Answer man, as always I am Roger Whitney the retirement answer man. This week's show is a hodgepodge of great actionable content that might give you the edge you need in your retirement plan. We’ll discuss why alcohol abuse is a problem for many people in retirement and lay out the reasons why. Listen as I answer listener questions and give my tips for investing your Social Security income. Stay tuned to hear it all! Alcohol abuse is a huge problem in retirement. Studies are showing that Alcohol abuse is the number one substance abuse problem for older adults. As Billy said in this episode, retirement almost turned him into an alcoholic. Alcoholism is not an inescapable fate. There are several reasons why one might abuse alcohol once retired. In this episode, I will talk about 6 factors that contribute to retirees drinking too much. Don’t miss this episode of the Retirement Answer Man. Refinancing your home can be a benefit and a curse. Noni wants to know if it would be a good idea to refinance her home and take money out to pay off credit card debts and put her kids through college. Although refinancing a home can be a smart move and paying off debt is almost always a good idea, there are situations where you should use caution. I’ll share my ideas with Noni as to whether or not her situation would benefit from a refinance and borrowing against her house. Stay tuned to hear my warnings so you don’t make a potential mistake. Does taking Social Security early mean more money to invest? Conventional wisdom would say that investing money annually at a good interest rate will bring you out on top. This is not always the case. On this episode of the Retirement Answer Man, Ruth asks for my thought on taking Social Security early in order to invest it. Her calculations show that she will reach age 80 with substantial financial growth having invested her Social Security instead of spending it. Stay tuned to see me run her figures through an investment forecast report taking into consideration the historical changes in the market. You might be surprised at the outcome. A plan is no good if you don’t live long enough to retire After exercising on Sunday, my back became extremely sore and stiff. It has been a struggle to go about daily life. Yet feeling this discomfort makes me thankful that I do not deal with an illness that puts me in a constant state of pain. The condition of our bodies is important. We cannot hope to live a full life if we are neglecting our health. Join me in this episode of the Retirement Answer Man to discuss listening to your body and doing what is best for it. Your retirement will thank you. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN [0:29] Retirement almost turned billy into an alcoholic. [2:05] Stay tuned for listener questions. HOT TOPIC SEGMENT [3:35] Alcohol abuse is a big problem with older adults. [7:15] The quality of your marriage will contribute heavily to your happiness in retirement. PRACTICAL PLANNING SEGMENT [8:46] Should I refinance my house and borrow money for credit card debt and children’s educations? [4:35] Should I take social security and invest it? [19:42] Investment projection reports. [25:43] How safe are the password managers? [28:48] Is retirement is all about math? TODAY’S SMART SPRINT SEGMENT [3:29] Check the interest rates on all of your loans, house, car, credit cards. See if it would be prudent to refinance them. THE HAPPY LAB SEGMENT [31:22] Take care of yourself. Listen to your body. RESOURCES MENTIONED IN THIS EPISODE Contact Roger: http://www.rogerwhitney.com/retirementanswers/ Roger’s retirement learning center: www.RogerWhitney.com/learn The Retirement Answer Man Facebook page: www.Facebook.com/RetirementAnswerMan Sara’s book A Couple’s Guide to Happy Retirement.
Hello and welcome to the Paragon Podcast. In this episode Evan Shorten and Elean Mendoza continue the social security mini series covering some of the most common social security questions. Today we discuss the question, "is my social security income taxable?" Stay up to date with the Paragon Podcast and our written Insights by signing up for our mailing list HERE. For more information regarding this topic, or to download a transcript of this episode, you may contact us at the following: Paragon Financial Partners 1901 Avenue of the Stars, 2nd Floor Los Angeles, CA 90067 T: (310) 557-1515 E: info@paragonfinancialpartners.com www.paragonfinancialpartners.com Disclaimer: The topics discussed in the Paragon Podcast are for informational purposes only and should not be taken as direct investment advice. To read our disclosures and download a copy of our Form ADV, click HERE.
Taking money from IRAs and 401ks may allow the IRS to charge taxes on your Social Security Income. In this episode I'll do a brief explanation of the problem we call The Tax Torpedo. Please Rate and Review The Show HERE
For decades, Wall Street has been trying to get their hands on money to use in the Stock Market from Social Security Income. Babyboomers funded both their own retirement and the generation before them. Where has the money gone? Why no mention by Congress that this has ever occurred? Is leaning on people receiving Social Security Disability a means to an end? Most are poor and this is only source of income. Why? Because Congress has allowed Employers to skip out upon their reponsibility of paying agreed benefits and leaving Employees with a lot less support and corporations keeping money that was supposed to be for policyholders. Is Social Security now siding with Wall Street and throwing Main Street under the bus? Are they afraid of being hurt by budget cuts as has been done by Congress against many government agencies? What are these conditions doing to the people currently receiving Social Security Disability Income? Is surveillance part of game to reduce the roles of Social Security Disability and fatten up Stock Market for Wall Street? Today lets talk about the treatment of Social Security Disability Income Recepients. Just so you know the level of harassment, not only was my computer hacked, I came to the Shoreline Library to air Talking About You with ESTRA and the MP3 File is not showing up to play. Guess what? This show will be here tomorrow one way or another! Thanks you for never giving up or in to harassment and intimidation. - ESTRA Seattle
Interview with a recent Senior Widower whose now faced with the challenges of living on one Social Security Income and cost of living and medical
In this Episode, Dr. Hugh Cradduck joins Dr. Tom and John McFie to discuss Strategies for Future Income with The Perpetual Wealth Code™, how to protect Social Security Income from taxation, and 2 ways to create an income stream using Life Insurance. Dr. Hugh Cradduck also shares his journey with The Perpetual Wealth Code™.
I did a show last year on the myth of retirement - but that was before I retired. Now I have been "retired" for a year -- let me tell you a secret about retirement.
Today the Wealth Doctor talks to national wealth expert Greg Lozon. We talk about social security and how to maximize your benefits. There are literally thousands of different variables that you need to understand before you file. A couple that Greg recently worked with is receiving $30,000 more per year in benefits than they would have without his advice. We … Read more about this episode...
With one month until the elections, the program started with a discussion with State Rep. Randy Hunt as he discussed his priorities to make more efficient use of tax revenues aimed ultimately at saving the tax payers of Massachusetts money, and identifying possible ways to make existing services more effective at their goals. Reforms of EBT card use, income tax collection, and addition treatments for non-violent criminals using drugs are his top 3 legislative priorities for next term. After the first half hour, Randy raced off to the Sen. Scott Brown rally being held in Hyannis. As this weekend marked the close of Financial Planning Week, Chris discussed the merits of financial planning in all stages of life. He expressed his thanks to the Centerville & Falmouth Public Libraries for hosting events for the Financial Planning Association during the week. Attentions turned to the surprising decline in the unemployment rate down to 7.8%, while at the same time only 114,000 new jobs were added in September. Still, a very high unemployment rate, we learned a little about how these two different figures are calculated. Callers joined in to share perception that manipulation of the figures developed from surveys by the Bureau of Labor Statistics is virtually impossible, but data is revised and anomalies do occur from month to month. The first half of the show came to a close with the Slade Mortgage Minute, when Mike Burton shared some of the advantages of a 7 year adjustable rate mortgage, designed for those only in need of a mortgage for a temporary period, but at incredibly low interest rates. In the second half of the program, Chris Boyd was joined by another financial planner, Herb Montgomery. Herb shared some insights into Social Security spousal benefits, encouraging listeners to delay receipt of benefits until full retirement age, and sharing strategies that might allow to start benefits at one point, but increase them later. In the final couple of segments of the program, attentions returned to politics as both the 2nd Senate Debate and the 1st Presidential Debates were discussed. Chris highlighted a few of what he thought were strengths and weaknesses in the debate performances. Fundamentally, though, Chris thought the contrast between the presidential candidates needs to focus more on "Leadership," and he elaborated on his views on how the times we are facing as a nation call for greater leadership characteristics than we have seen if we are going to have greater confidence in the direction of foreign policy, and an ability to tackle the solvency challenges facing the entitlements of Medicare and Social Security. Solutions to all of these problems start with greater economic strength which will lead to jobs and thus tax revenues through economic expansion. Join us next week as Chris will be discussing the investment environment with suggestions for investor perspectives as we look to the final quarter of 2012. Politics will no doubt also be an important part of the program as guests will include State Senator Dan Wolf and perhaps others. He'll also be eager to review Thursday's Vice Presidential Debate.
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