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Medicare & Social Security  Services

Medicare is Complex

What is Medigap? Which plan is best for me? Why do some call it a Supplement? Can I find a plan with a high deductible and still save money if I get sick? Is a Medicare Advantage Plan a better option for me? Why do I pay more Part B premium based on my income and is there a way to lower it? Why are my prescriptions costs so high? Can tax deductions help?

 Seniors Medicare

Navigating Medicare

Medicare is complex. Do you understand all the choices specific and most beneficial TO YOU?

In my practice, I have found most people seem to choose their Medicare plans as a recommendation from a friend without fully understanding what their options are.

I have also found this is a sure way to spend money unnecessarily, either by paying too much for premiums or too much for out-of-pocket medical expenses.

As Your Personal Money Coach, I will help you navigate through Medicare including:

  • The best timing to sign up for Medicare,
  • The financial aspects affecting Medicare Part B premiums,
  • How to navigate the options to best fit your budget and medical situation.

Services include enrolling participants after I determine the program that is right for your unique situation.



Social Security Benefit Planning

Do you know the best way to claim social security benefits for you and your family?

The formula is complex when it comes calculating Social Security Benefits.

Making the right choice in claiming and managing your social security can affect you and your family over the long term. Social Security is also taxable and depending upon the type of income you receive you could be paying federal taxes on up to 85% of your benefits.

As Your Personal Money Coach, my goal is to take your unique situation into consideration and guide you to make the right decisions. With income taxes always in mind some of the complex issues involve:

  • When should you and or spouse start to take you benefit?,
  • What if I want to continue to work and receive benefits?,
  • Will I have to pay taxes on Social Security or can I manage to stay under the limit?
  • Is there a way to defer and increase my benefit by up to 32% by using other income?  

Case Study: A $1,850 a Year Savings

Frank is retired and receives a modest pension and Social Security. He has various mutual funds in various asset classes. At the end of the year Frank always seems to owe taxes to the IRS, mainly because most of his Social Security is being subject to tax based upon the complex formula. As Frank's Personal Money Coach I was able to formulate a plan to include his investments under a tax deferred investment vehicle, thus removing his dividends, interest and capital gains from the formula that determines how much of his Social Security benefits ultimately get taxed. The result was a $1,850 reduction to income tax liability !!

Contact me to secure your future with our financial planning and tax preparation services.