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I started wondering: what are the most common driving forces among people once they decide to quit working full-time? For many, the biggest influence on their decision was their spouse or their family. Oftentimes, people bury themselves in work to mask the pain and hurt of losing someone near and dear to them. And it is harder to imagine being joyful in retirement. But I found this exercise interesting and wanted to share it with you, hoping that some of you will find it

If you’re 65 or older, you are eligible for Medicare. You may elect employer coverage instead of Medicare if you or your spouse is actively employed and your employer offers creditable coverage. Generally, if your employer has more than 20 employees, Medicare considers its Group Health Plan creditable. If your employer has fewer than 20 employees, Medicare does not consider your Group Health Plan creditable coverage. In this case, you should consider dropping your plan and en

Did you know that the two most significant factors in a successful retirement plan are retirement income and healthcare costs? Everyone should spend some time with a Medicare Broker to get a feel for what Medicare will cost in retirement.  I know you cannot be 100% accurate in projecting premiums too far in advance, but retirees need to understand the financial implications of Healthcare once they retire.   You need to plan for and understand Medicare effectively.