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Most Recent Videos

The 2027 Medicare Cost Surge: What You Need To Know Now

The 2027 Medicare Cost Surge: What You Need To Know Now

Are you bracing for higher Medicare costs in 2027? Many seniors opening their Annual Notice of Change (ANOC) letters are finding double-digit rate hikes on Part D prescription drug plans and Medigap supplemental coverage. In this episode, Robert Powell, CFP®, sits down with Jae Oh, CFP®, author of "Maximize Your Medicare," to unpack why healthcare costs are surging and how you can protect your retirement budget during the Annual Enrollment Period. In this video, we cover: 00:00 - Introduction: The 2027 Medicare Rate Shock 01:12 - Why Part D & Medicare Advantage Premiums Are Surging (The $2,400 Cap) 03:00 - The Formulary Risk: Will Your Prescriptions Still Be Covered? 04:04 - The Expiration of the CMS Premium Stabilization Demonstration 05:22 - The "Preferred Pharmacy" Trap on Medicare Plan Finder 06:55 - Why Medigap (Plan G & Plan N) Premiums Are Rising 25%+ 07:48 - Can You Switch Medigap Plans? Medical Underwriting & The Birthday Rule 09:02 - Key Takeaways for Open Enrollment KEY INSIGHTS: • Part D Premiums: Plans that once cost $60/month are rising by 50% or more, while many $0 premium plans are disappearing entirely. • The IRA Effect: The Inflation Reduction Act caps out-of-pocket drug costs at $2,400 in 2027, forcing carriers to shift costs into upfront premiums and narrower drug formularies. • Medigap Medical Underwriting: Downgrading from Plan G to Plan N isn't automatic; in most states, you must pass medical underwriting unless your state has a "birthday rule". Subscribe to stay informed on decumulation strategies, Social Security, and retirement planning. #Medicare #PartD #Medigap #RetirementPlanning #OpenEnrollment #PersonalFinance #HealthcareCosts

The Retirement Health Care Myth: Why Lifetime Estimates Are Wrong

The Retirement Health Care Myth: Why Lifetime Estimates Are Wrong

Financial headlines frequently warn that the average couple will need $300,000 or more to cover medical expenses in retirement. But does that mean you need a six-figure lump sum in your 401(k) on the day you retire? In this interview, Robert Powell, CFP®, sits down with Jae Oh, CFP®, author of "Maximize Your Medicare," to unpack why lifetime health care estimates mislead pre-retirees, why national averages mask severe geographic cost differences, and how to structure a realistic, age-weighted health care budget. Key Discussion Points: 00:00 - Introduction: The Scariest Number in Retirement 01:10 - The Lifetime Estimate Fallacy: Why It’s Not a Bill Due on Day One 02:30 - The Medicare Misconception: Why Coverage Isn't $0 03:45 - The Problem With Averages: Miami-Dade vs. Ohio Medigap Costs 05:15 - Medicare Advantage vs. Medigap: Budgeting for Different Price Points 06:40 - "Father Time Is Undefeated": Age-Weighted Health Budgeting 08:15 - Key Takeaways for Longevity and Long-Term Care Planning CORE INSIGHTS: • You Don’t Pay Up Front: Medical costs are paid year-to-year out of ongoing retirement cash flow (Social Security, pensions, IRA distributions), much like food or utility bills. • Averages Hide Reality: Medigap premiums vary wildly by geography; a 75-year-old in Florida faces radically different pricing than one in Ohio. • Plan for an Upward Curve: Health care spending isn't flat. Budgeting a rising percentage of your income as you age accounts for increased utilization and service needs. Subscribe to stay informed on retirement income planning, Medicare optimization, and Social Security strategies. #RetirementPlanning #Medicare #HealthcareCosts #Medigap #PersonalFinance #MedicareAdvantage #Longevity

Your Health Plan Could Cost More Without a Big Premium Increase

Your Health Plan Could Cost More Without a Big Premium Increase

Your health insurance could become more expensive through changes in coverage and out-of-pocket costs, even if the amount deducted from your paycheck barely changes. Bob Powell speaks with Jae Oh, CFP, author of “Maximize Your Medicare,” about what to review before selecting 2027 coverage. In this interview: Why payroll deductions reveal only part of the cost. What to check about your specific prescriptions. How to compare available employer plans. Why Oh recommends considering available HSA options. How projected income enters the ACA planning discussion. Why health needs and local plan availability matter. Oh’s comments include forecasts and recommendations that depend on individual circumstances. Approximate chapters: 0:11 — Employer coverage costs for 2027 1:41 — Health care delivery costs 2:25 — Costs beyond payroll deductions 3:19 — Employer open enrollment and HSAs 4:34 — ACA market changes 6:07 — Projected income and ACA coverage 8:02 — When detailed planning warrants help 9:00 — Individual circumstances and local choices

Decoding Your Money (View all)

The Ultimate Year-End Tax & Wealth Planning Checklist with John Nerserian: DYM Ep13

The Ultimate Year-End Tax & Wealth Planning Checklist with John Nerserian: DYM Ep13

Year-end planning shouldn’t be a reactive scramble in the final days of December. By taking an intentional, checklist-driven approach across taxes, investments, retirement accounts, and estate planning, you can significantly reduce your lifetime tax bill and avoid costly missed opportunities. In this episode, host Bob Powell sits down with longtime friend and wealth planning expert John Nersesian, founder of Nersesian Wealth Education, to break down essential proactive strategies before the calendar flips. In this episode, we cover: Proactive Tax Bracket Management: Marginal rate awareness, bracket stuffing, and managing phase-outs under new tax laws (including SALT caps, Senior Deductions, and QBI). Smart Investment Moves: Tax-loss harvesting rules, navigating the 61-day wash sale window, stock option exercise timing, and the emotional discipline of portfolio rebalancing. Retirement Optimization: Maximizing 401(k) and IRA limits, traditional vs. Roth decisions, utilizing Health Savings Accounts (HSAs) as supplemental retirement vehicles, and executing strategic Roth conversions. Distribution & Program Rules: Mandatory RMD timing and penalty reductions, Social Security claiming coordination, and Medicare enrollment choices. Legacy & Philanthropy: Annual gift tax exclusions, 5-year front-loading for 529 plans, "bunching" charitable deductions to beat the standard deduction, and utilizing Qualified Charitable Distributions (QCDs).

How To Protect Your Kids From Scammers

How To Protect Your Kids From Scammers

In this clip from FinStream's Decoding Your Money Podcast, Nina and Professor Milligan discuss the significance of defining financial goals and the vital need for scam prevention, especially for children in today's digital world. Tune in for essential insights! #FinancialLiteracy #ScamPrevention

Are Your Kids Learning Money from You or TikTok?

Are Your Kids Learning Money from You or TikTok?

Learn how to teach kids about money: earning, spending, saving, investing, and avoiding scams through everyday conversations.

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