Misty Lynch

Misty Lynch CFP® Professional, Owner - Sound View Financial Advisors, LLC a Registered Investment Advisor, Author, Speaker, Host

Medicare Part D is changing again, and that is exactly the kind of thing I talk about on YouTube.I make short videos for...
09/04/2026

Medicare Part D is changing again, and that is exactly the kind of thing I talk about on YouTube.

I make short videos for quick financial questions and longer ones when a topic needs more explanation.

If something changes in the financial world that could affect your retirement, healthcare, taxes, or everyday planning, I want to help you understand what it means in plain English.

Follow me on YouTube for practical financial education you can use. https://zurl.co/GztBy

If Medicare is part of your retirement plan, prescription coverage deserves another look this year.CMS has announced tha...
09/02/2026

If Medicare is part of your retirement plan, prescription coverage deserves another look this year.

CMS has announced that a temporary program designed to help stabilize premiums for standalone Medicare Part D plans will end after 2026.

That doesn’t mean Medicare Part D is losing all government support. It does mean one extra layer of premium protection is going away as the program returns to regular market conditions.

And we still don’t know what every 2027 plan will cost. CMS expects to release final premiums and plan options in September.

When 2027 options are released, compare the whole plan, not just last year’s premium.

09/01/2026

You may have figured out what your mortgage will cost, how much you’ll need every month, and if your investments can support you through retirement.

But if you’re planning to retire before you’re eligible for Medicare, do you know how much your healthcare will cost?

I tell my clients that they’ll need to know more than how much their monthly premium will be, like, “Does the plan cover your doctors? What about your prescriptions? How much could you have to pay out of pocket during the year?”

And those costs are different depending on where you live and what kind of care you need.

So, if you’re planning to retire before 65, be sure to talk to someone about your healthcare costs before you lock in a date.

Talking about family, work, caregiving, retirement, and spending is easier when shame isn’t running the conversation.Tha...
08/28/2026

Talking about family, work, caregiving, retirement, and spending is easier when shame isn’t running the conversation.

That’s why I created Demystifying Money.

On the podcast, I talk about the real-life side of financial decisions: family expectations, retirement, caregiving, careers, spending, stress, and the beliefs people carry about money.

These topics show up at work and at home, especially when a parent needs help, a child asks for support, or a couple realizes they’ve been avoiding the same subject for years.

Demystifying Money is for people who want money to feel less confusing, less shameful, and more connected to real life.

Listen to Demystifying Money wherever you get your podcasts. https://zurl.co/vrnJF

Conversations about money with your family are uncomfortable if people feel judged, cornered, or suspicious of your moti...
08/26/2026

Conversations about money with your family are uncomfortable if people feel judged, cornered, or suspicious of your motives. There are ways to keep the conversation civil, productive and on track.

✔️Ask Without Making It Weird

You don’t need the whole financial picture. Ask the thing that would help most in an emergency.

✔️ Explain Why You’re Asking

“I’m asking so I know how to help if you need me.”

✔️ Keep It Practical

Who should I call first?

Where are your important documents?

Is there anyone else who needs to know?

✔️ Bring In Help

Involve an estate attorney, CPA, or end-of-life planner in your conversations.

08/25/2026

Families will talk about how groceries and houses cost too much or how everything is more expensive than it was ten years ago.

But when YOUR family finances come up, like what happens if one of you needs help, they clam up.

I get why people shy away from it - nobody wants to sound like they’re asking for money.

Nobody wants to be judged or watch a simple chat turn into a family argument.

But waiting means you could have to talk about hard things under pressure.

So start with the question you'd need answered during a crisis, like "Who should I call if something happens?”

You're not being nosy; you're planning ahead so you can help.

The stress of caring for your parents doesn’t stay at home.It shows up as interrupted workdays, new financial pressures,...
08/21/2026

The stress of caring for your parents doesn’t stay at home.

It shows up as interrupted workdays, new financial pressures, and employees trying to make big life decisions between meetings.

As a CFP®, author, and financial educator, I speak to groups about the financial side of caregiving and the sandwich generation.

These conversations aren’t just about aging parents.

They’re about careers, retirement, family expectations, and the real cost of being responsible for more than one generation at the same time.

If your company, professional group, podcast, or event is looking for a practical speaker on caregiving, family money, and financial literacy, I’d be glad to help.

Learn more here: https://zurl.co/HQjid

When a parent needs financial help, the hardest part is rarely coming up with the money.It’s not knowing where paperwork...
08/19/2026

When a parent needs financial help, the hardest part is rarely coming up with the money.

It’s not knowing where paperwork is, who to call, or what decisions have already been made.

✔️ Before There’s A Crisis

It’s harder to find answers in an emergency; ask practical questions when things are calm.

✔️ Where Are The Documents?

Ask where they keep insurance, estate, tax records, account information, and mortgage paperwork.

✔️ Who Has Access?

Bills and statements are mostly online now. Where are those passwords?

✔️ What Help Is Realistic?

If parents need support while you're still raising your kids, what can you realistically do?

08/18/2026

You may not realize your parents need help with money until something goes noticeably wrong.

It can feel uncomfortable to ask questions when your parents have always been the ones in charge.

But noticing a change in how they’re handling life isn’t meddling, it’s showing you care.

One gentle way to start is talking about scams.

You might say, “I got an email recently that looked real, but wasn’t. Have you been getting anything like that?”

Or, “Some of these scam messages are getting harder to spot. If you ever get one that feels strange, send it to me before you click on anything.”

That’s how you talk about it without making it sound like you don’t trust them.

From there, you can ask small, practical questions.

Where do you keep your important paperwork?

Who would I call if something happened to you?

If you’re starting to worry about your parents’ and how they’re handling their money, don’t wait for a crisis to prove you were right to be concerned.

Calm conversations now give everyone more choices later.

A big credit card balance shouldn’t be someone’s first real lesson about money.Neither should a late fee, overdraft noti...
08/17/2026

A big credit card balance shouldn’t be someone’s first real lesson about money.

Neither should a late fee, overdraft notice, or paycheck that disappeared before rent is paid.

That’s part of why I wrote Demystifying Money.

It’s a short, practical book about the beliefs, habits, and choices that shape your financial life.

If you’re raising a young adult, helping one launch, or trying to understand your own money patterns better, it’s an easy place to start.

Demystifying Money is available on my website [https://zurl.co/DNdOB] and Amazon.

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Walpole, MA
02081

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