Pets are family, but their care can come with unexpected costs. This article explores how pet insurance works, what it covers, and when it may (or may not) make financial sense.
Protection Planning
Understanding Extended Care
Extended care can include in-home support, assisted living, skilled nursing care, and other services that may become necessary with age, illness, or disability. This article explains what extended care is, what it may cost, and how to plan for the expense.
Happening Now: Medicare Advantage Open Enrollment
Medicare Advantage Open Enrollment runs Jan 1–Mar 31. Our latest Medicare article outlines how to ensure your coverage still fits your needs, the real costs of Medicare, what high-income retirees need to know, and when Medigap insurance might be worth considering.
Medicare Supplement Insurance (Medigap): Do You Need It?
Medicare offers a strong foundation, but it doesn’t cover everything. Medigap can help fill those coverage gaps by reducing unpredictable medical bills and providing more financial stability in retirement. Learn how Medigap works, what it covers, and how to choose the right plan for your needs.
Understanding the Real Costs of Medicare
Many retirees are surprised to discover that Medicare isn’t free. Each part—A, B, C, and D—comes with unique premiums, deductibles, and out-of-pocket costs. This article breaks down what you’ll pay and offers smart ways to plan for these expenses in retirement.
IRMAA Demystified: What High-Income Retirees Need to Know in 2025
IRMAA can raise your Medicare costs if you’re a high-income retiree. Here’s what to know for 2025 and how to plan ahead wisely.
Medicare 101: What You Need to Know Before You Enroll
Medicare is one of the biggest transitions in retirement. Whether you’re turning 65 or still working, this guide explains what each part covers, how to enroll, and how to avoid common mistakes that can impact your financial plan.
Medicare Open Enrollment Is Coming: An Overview
Medicare Open Enrollment runs from October 15 to December 7. Learn what changes you can make, who should review their plans, and how your choices fit into your overall financial plan. Our advisors explain what you need to know — and what’s coming next in our Medicare Education Series.
Auto Insurance Rates Are Soaring, But You Can Limit the Damage
Nationally, auto insurance premiums have soared by about 50 percent over the past three years. Here are the biggest factors and what you can do about it.
Medicare Open Enrollment: It’s Time To Review Your Healthcare Coverage
The Annual Medicare Open Enrollment period has begun. If you need to make changes to your plan for 2025, now is the time. Here’s what you need to know.
When can Medicare Part D be opted out of?
A common question from individuals researching their Medicare options is, “Can Medicare Part D be opted out of?” Howard Hook was interviewed by the New York Post and offered an answer to a reader of the “Dear John” column.
Soaring Homeowner’s Insurance: Forcing Tough Choices
The cost of homeowner’s insurance is going through the roof. Premiums have soared in recent years, but it’s not the same type of inflation that affects the cost of your cup of coffee or a new appliance for the kitchen. Learn why it’s happening and what you can do about it.