Do You Know Your Medicare Options?

 Do You Know Your Medicare Coverage Options?

Time is running out. The Open Enrollment Period ends December 7, 2024.

Common Sense — The Secret Sauce

   In today's fast-paced world, making smart decisions about your taxes, insurance, and financial plans is more important than ever. With the endless streams of information coming from every direction — whether or not it's from the internet, TV, or well-meaning friends — it's easy to get overwhelmed. That's why using common sense is a key factor in making sound financial choices. Common sense serves as a guiding principle, helping you cut through the noise and focus on what's practical, realistic, and aligned with your goals. (continue to article - 3 minute read)

November 2024 Newsletter

  Dive into a treasure trove of insights covering a multitude of financial topics. Just click on any of the newsletter topics below and enjoy the full article, packed with valuable information.

HOT TOPIC: High Foreign Investment in the U.S. – Will It Last?
For now, much of the world is putting their money to work in the United States. What are the biggest threats to foreign investment?

Treasury Yields Off 17-Year Highs
How has the Fed's lowering interest rates affected the Treasury yields?

If You Don’t Have a Will Yet, Why Not?
There are many reasons people put off drafting a will—here are four that you might relate to.

FAFSA for 2025-2026 School Year Opens December 1
Tips for submitting the FAFSA

Do You Know Your Medicare Coverage Options?
Time is running out. The Open Enrollment Period ends December 7, 2024.

Higher Rates Pressure Borrowers and Some Banks: Is Your Money Safe?
Recent events brought renewed attention to how banks operate and the risks they take.

October 2024 Newsletter

 Our financial newsletters are designed to provide helpful information on a wide variety of financial topics. Simply click on one of the newsletter topics below to read the article in its entirety.

HOT TOPIC: The Fed Finally Cut Interest Rates
What could it mean for your finances?

Can You Put the Brakes on Rising Auto Insurance Premiums?
There are still steps you can take to make your premiums more affordable.

Do You Have Enough Life Insurance?
Here are several methods to consider when determining your life insurance needs.

Making the Most of Your Credit Card
Credit cards are no longer viewed solely as a debt instrument for cash-strapped individuals.

A Pension Strategy That May Boost Your Income
A strategy called pension maximization may offer the best of both worlds.

What’s Your Real Return?
It's important to consider the real return on your investments, which includes the effects of taxes and inflation.

Medicare and ACA Open Enrollment Periods 2025

 

• The MEDICARE Open Enrollment period starts on October 15, 2024, and continues through December 7, 2024, for coverage beginning January 1, 2025. 
• The Affordable Care Act (ACA) Open Enrollment period for 2025 health plans starts November 1, 2024, and runs through January 15, 2025, in most states. However,  for coverage beginning January 1, 2025, you must enroll by December 15, 2024. The last day to enroll in or change Marketplace plans for the year with coverage starting February 1 is January 15, 2025.
• States that use their own marketplaces and enrollment platforms can establish different end dates for the annual enrollment period as long as they conclude on or after December 15, 2024. Other states may also be subject to an extension in 2025. States with state-run exchanges can issue last-minute extensions, and the federal government can issue an extension for all states using the federal marketplace.