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MedigapLens — Compare Medicare Supplement plans AnnuityLens — Explore retirement income and annuity options

Most Recent Videos

Before You Buy a Guaranteed Annuity, Check This First (MYGA Risk) DYM Sheryl Moore

Before You Buy a Guaranteed Annuity, Check This First (MYGA Risk) DYM Sheryl Moore

Multi-year guaranteed annuities offer predictable income, but chasing the highest rates can expose you to guaranteed annuity risks. Learn how to evaluate carrier strength beyond advertised yields.

Retiring Without Kids? Why Traditional Estate Plans Fail Solo Agers

Retiring Without Kids? Why Traditional Estate Plans Fail Solo Agers

Solo agers face unique estate planning challenges without immediate family to rely on. Harry Margolis explains how professional fiduciaries, healthcare proxies and trusted peer networks can help build a reliable safety net.

Veterans: Dont Leave These Financial Benefits Behind

Veterans: Dont Leave These Financial Benefits Behind

Are you leaving valuable military and veteran benefits on the table? In this special Veterans Day episode, host Bob Powell sits down with Sherron Permashwar, CPA/PFS, founder of The Modern Savvy CPA and a member of multiple committees and task forces with the American Institute of CPAs, to break down the critical financial rules, common pitfalls, and overlooked benefits every service member and veteran needs to know. From understanding the Thrift Savings Plan (TSP) and the Blended Retirement System to navigating VA disability offsets, Concurrent Retirement and Disability Pay (CRDP), Combat-Related Special Compensation (CRSC), and the tricky overlap between VA healthcare and Medicare Part A & B, Sharon provides an actionable roadmap to coordinate your benefits into a single, cohesive financial plan. Learn why creating a comprehensive "Legacy Library," updating beneficiary designations, and proactively managing your tax buckets can protect your household wealth and give you long-term clarity. 🔔 Don't forget to Like, Subscribe, and hit the Notification Bell for more expert retirement and financial planning insights. #Veterans #MilitaryRetirement #VAbenefits #ThriftSavingsPlan #TSP #Medicare #FinancialPlanning #VeteransDay #DecodingRetirement

Decoding Your Money (View all)

The Medicare Choice You Can't Undo (Medigap vs Advantage Reality)

The Medicare Choice You Can't Undo (Medigap vs Advantage Reality)

In 46 states, enrolling in Medicare Advantage at 65 can permanently lock you out of Medigap. In this episode of FinStream's Decoding Your Money, Katy Votava joins Bob Powell to break down the hidden $12,000 stop-loss risk and how dropped plans trigger guaranteed rights. It is one of the most dangerous assumptions retirees make when turning 65: “I’ll just take the zero-premium Medicare Advantage plan now while I’m healthy. If I get sick down the road, I’ll switch over to original Medicare and Medigap.” In 46 states, you can’t. Unless you live in New York, Connecticut, Massachusetts, or Maine, your initial six-month open enrollment window at age 65 is your only guaranteed shot at getting Medigap without health questions. Once that window closes, insurers can subject you to medical underwriting. If you develop cancer, heart disease, or a chronic illness, private supplemental carriers can—and routinely do—reject your application. In my latest conversation with Medicare expert Katy Votava, Ph.D. (author of Making the Most of Medicare), we unpacked the true math behind the healthcare decumulation ledger: • The $12,000 Stop-Loss Reality: Why paying ~$2,300 a year for Medigap Plan G caps your total out-of-pocket medical exposure at roughly $5,200, while a “zero-premium” Advantage plan can expose you to more than $12,000 once serious illness strikes. • The Cancellation Golden Ticket: Why the recent wave of insurers dropping Medicare Advantage plans across counties actually triggers a rare federal privilege to buy Medigap with zero health questions. • The Paradox of Choice: Why Medigap plans offering fewer benefits (like Plan B) are often more expensive than comprehensive Plan G. • The 63-Day Moving Trap: Why moving to Florida or Texas without updating your coverage within 63 days can leave you completely uninsurable. Before you or a client finalize open enrollment paperwork before December 7, understand the long-term trade-offs. Try our free MedigapLens too to compare Medicare Supplement Plans @ https://www.finstream.tv/medigaplens/

The Ultimate Year-End Tax & Wealth Planning Checklist with John Nerserian: DYM Ep13

The Ultimate Year-End Tax & Wealth Planning Checklist with John Nerserian: DYM Ep13

Year-end planning shouldn’t be a reactive scramble in the final days of December. By taking an intentional, checklist-driven approach across taxes, investments, retirement accounts, and estate planning, you can significantly reduce your lifetime tax bill and avoid costly missed opportunities. In this episode, host Bob Powell sits down with longtime friend and wealth planning expert John Nersesian, founder of Nersesian Wealth Education, to break down essential proactive strategies before the calendar flips. In this episode, we cover: Proactive Tax Bracket Management: Marginal rate awareness, bracket stuffing, and managing phase-outs under new tax laws (including SALT caps, Senior Deductions, and QBI). Smart Investment Moves: Tax-loss harvesting rules, navigating the 61-day wash sale window, stock option exercise timing, and the emotional discipline of portfolio rebalancing. Retirement Optimization: Maximizing 401(k) and IRA limits, traditional vs. Roth decisions, utilizing Health Savings Accounts (HSAs) as supplemental retirement vehicles, and executing strategic Roth conversions. Distribution & Program Rules: Mandatory RMD timing and penalty reductions, Social Security claiming coordination, and Medicare enrollment choices. Legacy & Philanthropy: Annual gift tax exclusions, 5-year front-loading for 529 plans, "bunching" charitable deductions to beat the standard deduction, and utilizing Qualified Charitable Distributions (QCDs).

How To Protect Your Kids From Scammers

How To Protect Your Kids From Scammers

In this clip from FinStream's Decoding Your Money Podcast, Nina and Professor Milligan discuss the significance of defining financial goals and the vital need for scam prevention, especially for children in today's digital world. Tune in for essential insights! #FinancialLiteracy #ScamPrevention

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