3 Ways IRMAA Can Impact Your Medicare Costs Medicare IRMAA surcharges can materially change retirement cash flow — often unintentionally. This video walks through how modified adjusted gross income (MAGI) drives Medicare Part B and Part D premiums, why more retirees...
5 Things About The Stay NJ Program New Jersey has introduced the Stay NJ program, a new property tax credit aimed at encouraging seniors to remain in the state during retirement. Effective in 2026, Stay NJ works alongside the existing ANCHOR and Senior Freeze programs...
Health Savings Accounts: 5 Things Worth Understanding https://www.youtube.com/watch?v=nNfKYFDkfZ4 Takeaways: HSAs offer pre-tax contributions, tax-free growth, and tax-free withdrawals for medical expenses Contribution limits in 2026 allow families 55+ to approach...
1929 vs Today: What’s Changed https://www.youtube.com/watch?v=Bx45HNsVcqI Takeaways: The 1929 market lacked basic protections like the FDIC, SEC, and unemployment insurance The Federal Reserve now acts as a lender of last resort to stabilize the system Circuit...
Section 457 Deferred Compensation Plan Key Takeaways - A section 457 deferred compensation plan may allow penalty-free withdrawals before age 59½ - Early IRA or 401(k) withdrawals (prior to age 59 1/2) usually trigger a 10% tax penalty - A large section 457 deferred...
5 Reasons Why Hiring Two Advisors Might Backfire Some investors believe hiring two advisors and “letting them compete” is a smart way to maximize returns from investment advisors. In practice, it often does the opposite. This video explains why hiring two advisors...
Homeowners Insurance Disaster https://www.youtube.com/watch?v=_zAeWJbjLxA Takeaways • Home values often rise faster than policy updates, creating hidden coverage gaps. • Guaranteed replacement cost (or 100% replacement cost) should be reviewed with your insurance...
Mortgage Math: Why You Pay So Much in Interest Up Front Mortgage Math: Why You Pay So Much Interest Up Front. https://www.youtube.com/watch?v=yTGXClmCUY8 Why does mortgage math feel so expensive? Why does it take so long to build equity? In this video, we break down...
$1 Trillion in Credit Card Debt. Is the US Consumer OK? Is the US Consumer OK? Five key points: 1. Large-bank consumer credit card balances are approaching $1 trillion, but delinquency rates remain within long-term historical ranges. 2. Minimum-payment behavior has...
Transfer 529 to Roth IRA? Is this even possible? This is so new, it took over a year for the IRS to translate what this means. While the ink is not even dry (always subject to IRS changes), this could be a useful tool - for some! Key points: Up to $35,000 can be...
