Understanding the type of income that counts towards the IRMAA calculation is important because avoiding IRMAA can save you hundreds of dollars per month on each spouse’s monthly Medicare... Read More
How does the state of Iowa protect you if your annuity or life insurance company fails? If you are a resident of the state of Iowa and purchased an... Read More
Umbrella insurance is a vital component of many financial plans. As comprehensive financial planners, we analyze more than just your investment accounts—we also conduct a thorough insurance review. This... Read More
Choosing between Medicare Advantage and Medigap insurance is a big decision that every retiree has to make. If you are near age 65, you have likely been bombarded with... Read More
IRMAA, or Medicare's Income-Related Monthly Adjustment Amount is an extra fee that is added to your monthly Medicare premium. What is the calculation for IRMAA surcharge and how can... Read More
Life insurance is an important part of any financial plan. But, just because a specific insurance policy was right for you in the past does not mean it still... Read More
Long term care insurance is important because the costs of long term care can be a burden on just about every retiree. Because of the high costs, many people... Read More
Should you buy additional life insurance from your employer, or through a private policy from an insurance company? Anyone is able to buy life insurance directly from an insurance... Read More
Between October 15th through December 7th , you are able to change your Medicare Part D plan. While your Medicare supplemental plans will likely remain unchanged for most of... Read More
Successfully appealing Medicare’s IRMAA surcharge can save a retired couple thousands of dollars in annual Medicare costs. However, there are strict requirements for when you can and cannot appeal... Read More
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