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From Medicare to your Money, we provide you the information and tools to enjoy a successful retirement.
RECENT BLOG POSTS
Why would you want to avoid probate of your estate? It can be extreamly expensive for your survivors, it certainly takes a long time (often months to settle), and the contents of estate becomes public information. Probate costs can range from 2% to 7% of the value of the estate. Example: A $300,0...
03/03/2011
What is a HSA? An HSA is an innovative approach to health insurance signed into law in December of 2003, made available January 1st 2004 An HSA plan has 2 components: 1.A qualified high deductible health insurance plan 2.An Individual Tax-exempt Trust (savings account) The trust account is design...
02/16/2011
•1.      To protect you and your family from financial hardships resulting from Health care expenses •2.      If medical bills are not paid, hospitals can put a lien against your property •3.      Some colleges require proof of health insurance to be enrolled •4.      Freedom from worry about wha...
02/03/2011
FYI, We just launched a new website full of information about retirement plans. New web just launched !  www.123EasySave.com   New web just launched ! There is an entire section of a liitle known part of the tax code that allows a closesly held company to offer a plan that would allow the owner t...
02/02/2011
•1.      To maintain independence so we don't have to depend on family members. •2.      To protect assets for spouse •3.      To preserve children's inheritance •4.      To provide yourself with more options than just nursing home care. •5.      To pay for that nursing home care if needed. •6.  ...
02/01/2011
Medicare Advantage Plans... These are all the rage for seniors.  Some plans offer amazing benefits in addition to the services provided by Original Medicare.  My clients tell me, Silver Sneakers or a free gym membership is a deciding factor or perhaps a 24 hour nurse on call to answer questions. ...
01/25/2011
Insurance companies are in business to make a profit. To make that profit they need to differentiate themselves in the marketplace.  That is pretty hard to do with a product that was standardized by the federal government in 1989.  I am referring to Medicare Supplements, officially called Medigap...
01/22/2011
Turning 65 and getting overwhelmed with junk mail?  What do you do, how to you pick. So many choices I think I am going to scream!I have heard the same cry's for help for years. Medicare is an amazing entitlement created long ago when the cost of healthcare for Americans exceeded 20% of the avera...
01/17/2011
I am sure you would agree that a health insurance plan that allowed you to go to any doctor in the United States would be great!  What if you could use any hospital and any specialist.  I bet you would think that is starting to sound pretty good.  Wait there is more.  What if you had no co-pay an...
01/16/2011
I was totally in favor of the government creating a healthcare program for people under age 65 that were not able to purchase health insurance due to pre-existing conditions.  Boy was I naive.  My practice has historically focused on people nearing retirement and age 65. My clients still call loo...
01/16/2011
Rainer
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David P. Schaeffer

CLTC, CSA
business877-292-0734
local_phone800-568-1095
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From Medicare to your Money, we provide you the information and tools to plan and maintain an enjoyable retirement.