RetireReady: Educators

RetireReady: Educators Helping Educators retire with confidence.

04/30/2024

401(k) vs 403(b)... What's the difference? How can I use these accounts when I retire?

Both are retirement accounts, yet one opens doors to a wider array of investment options, whereas the other aligns with the service-hearted sector's financial goals.

When it comes to transforming your savings into a guaranteed income for life, annuities are a solid option – but many experts warn against buying annuities inside of these retirement accounts.

Instead, you may want to consider rolling the funds over into an annuity that has stricter government regulations.

For daily insights into gaining peace of mind in retirement, follow me and subscribe to my newsletter for deep dives into retirement finances.

04/28/2024

Here's a little-know Medicare law that allows you to try out a Medicare Advantage Plan for 12 months!

It's called the 12-month trial right.

It's like a golden parachute, giving you the freedom to switch back to Original Medicare and enroll in a Medigap policy without the usual health checks and underwriting.

I've seen this rule offer incredible peace of mind to countless clients of my own.

As an experienced broker, I know there is always nuance to these rules, so reach out and I'll help lay out your Medicare options.

Hit the link in my bio for a no-cost meeting and follow me for your daily dose of Medicare clarity.

04/26/2024

Want professional help with Medicare but worried they'll squeeze you into a plan you don't need?

It’s a common worry, but here's the clarity you need: An agent sells, representing one company, while a broker shops the market to find what's truly best for you.

Remember, the job of a broker is to represent the needs of you, their client, not to push you specific plan.

And with brokers being compensated equally without illegal incentives, my advice remains impartial and tailored to your needs.

Click the link in my bio for honest guidance and follow for daily Medicare tips.

04/24/2024

When a client asks, "Can my Medicare plan cover my water aerobics classes or gym memberships?" it's not just wishful thinking; most insurance companies want to invest in their members long-term fitness.

Regular exercise is crucial for longevity and vitality, with V02 max and muscular strength being key indicators of a healthier life.

That's why msot Medicare Advantage plans offer fitness memberships – keeping you health saves them money on healthcare costst.

It's a win-win.

Some plans even include extra fitness reimbursements for things like new running shoes, fitness trackers, national park passes, fishing poles, and more.

Click the link in my profile to see what fitness perks are included in your plan.

Also, give me a follow for daily Medicare tips!

04/15/2024

If you feel covered medically with Medicare, but covering Dental, Vision, Hearing out-of-pocket feels like a gamble, here's what most Medicare Advantage plans cover:

Here's what you can expect:

- Routine dental check-ups, vision exams, and hearing exams
- $1,000 to $4,000 dental surgery reimbursement
- A few hundred toward prescription glasses or contacts
- A few hundred per ear per year for hearing aids

But, watch out for the fine print and network restrictions! Some plans are more lenient than others!

Follow us for daily tips, and make sure to enroll in our free Medicare Mastery Course.

Your teeth, eyes, and ears will thank you!

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Davenport, IA
52806

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