Part D Might Be the MOST Important Part of Medicare 



To Toni King, the CORNERSTONE of Medicare planning is discussing Medicare Part D. In this Medicare Moments BONUS episode, Toni discusses why it’s so important to search for what is the most cost-effective Part D plan that covers all of your prescriptions. Did you know that if a prescription is not covered, whether generic or brand-name, then you will have to pay 100% out of pocket? Learn more by listening to the episode now!



Subscribe to Medicare Moments:

Apple Podcasts: https://apple.co/44MoguG

Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRso

Discover more great episodes of Medicare Moments:

 Treat Medicare Part B like GOLD: https://apple.co/3OYO1kW / https://sptfy.com/OSqs

Big Mistake Enrolling in a Medicare Advantage Plan: https://apple.co/47h9cGX / https://sptfy.com/OSqo

How to Appeal a Medicare Claim: https://apple.co/3Rfj4M9

The New Turning 65 Enrollment Rule: https://apple.co/46hV5QL



Visit Toni’s Website:https://tonisays.com/

Part D Might Be the MOST Important Part of Medicare 
 
To Toni King, the CORNERSTONE of Medicare planning is discussing Medicare Part D. In this Medicare Moments BONUS episode, Toni discusses why it’s so important to search for what is the most cost-effective Part D plan that covers all of your prescriptions. Did you know that if a prescription is not covered, whether generic or brand-name, then you will have to pay 100% out of pocket? Learn more by listening to the episode now!
 
Subscribe to Medicare Moments:
Apple Podcasts: https://apple.co/44MoguG
Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRso
Discover more great episodes of Medicare Moments:
 Treat Medicare Part B like GOLD: <a href="https://apple.co/3OYO1kW">https://apple.co/3OYO1kW</a> / <a href="https://sptfy.com/OSqs">https://sptfy.com/OSqs</a>
Big Mistake Enrolling in a Medicare Advantage Plan: <a href="https://apple.co/47h9cGX">https://apple.co/47h9cGX</a> / <a href="https://sptfy.com/OSqo">https://sptfy.com/OSqo</a>
How to Appeal a Medicare Claim: <a href="https://apple.co/3Rfj4M9">https://apple.co/3Rfj4M9</a>
The New Turning 65 Enrollment Rule: <a href="https://apple.co/46hV5QL">https://apple.co/46hV5QL</a>
 
Visit Toni’s Website: <a href="https://tonisays.com/">https://tonisays.com/</a>

Part D Might Be the MOST Important Part of Medicare

Thanks for listening to the Senior Resource Podcast Network! This bonus episode is from Answers for Elders. If you like what you hear, visit the links to follow the podcast on your favorite listening platform.

Suzanne is joined by Dr. Paul Winner, the Senior Director of the Premiere Research Institute and Attending Neurologist at Palm Beach Neurology in West Palm Beach, Florida. Dr. Winner addresses various lifestyle changes to help avoid developing dementia. He says, “There are risk actors. You want to avoid this as best you can. You don't want this to happen, even if you're predisposed genetically to develop it. There are some things you can do to help yourself now. 

Subscribe to Answers for Elders:

Apple Podcasts: https://apple.co/44DzG3C

Spotify: https://sptfy.be/z0qqq

Discover more great episodes of Answers for Elders:

Finding Purpose with Parkinson’s: https://apple.co/3D7EWka / https://sptfy.be/2vrdd

People Needed for Your Estate Plan: Irrevocable Third-Party Trust: https://apple.co/44DzG3C / https://sptfy.be/c3pxu

Tips to Facilitate a Senior Home Sale, Part 1: https://apple.co/44DzG3C / https://sptfy.be/l8o8m

Facing Fears To Navigate Entrepreneurship: https://apple.co/44DzG3C / https://sptfy.be/dn6en

Visit Answers for Elders on the web:https://answersforelders.com/

Thanks for listening to the Senior Resource Podcast Network! This bonus episode is from Answers for Elders. If you like what you hear, visit the links to follow the podcast on your favorite listening platform.
Suzanne is joined by<a href="https://premiereresearchinstitute.com/about/our-doctors/#winner"> Dr. Paul Winner</a>, the Senior Director of the<a href="https://premiereresearchinstitute.com"> Premiere Research Institute</a> and Attending Neurologist at Palm Beach Neurology in West Palm Beach, Florida. Dr. Winner addresses various lifestyle changes to help avoid developing dementia. He says, “There are risk actors. You want to avoid this as best you can. You don't want this to happen, even if you're predisposed genetically to develop it. There are some things you can do to help yourself now. 
Subscribe to Answers for Elders:
Apple Podcasts: <a href="https://apple.co/44DzG3C">https://apple.co/44DzG3C</a>
Spotify: <a href="https://sptfy.be/z0qqq">https://sptfy.be/z0qqq</a>
Discover more great episodes of Answers for Elders:
Finding Purpose with Parkinson’s: <a href="https://apple.co/3D7EWka">https://apple.co/3D7EWka</a> / <a href="https://sptfy.be/2vrdd">https://sptfy.be/2vrdd</a>
People Needed for Your Estate Plan: Irrevocable Third-Party Trust: <a href="https://apple.co/44DzG3C">https://apple.co/44DzG3C</a> / <a href="https://sptfy.be/c3pxu">https://sptfy.be/c3pxu</a>
Tips to Facilitate a Senior Home Sale, Part 1: <a href="https://apple.co/44DzG3C">https://apple.co/44DzG3C</a> / <a href="https://sptfy.be/l8o8m">https://sptfy.be/l8o8m</a>
Facing Fears To Navigate Entrepreneurship: <a href="https://apple.co/44DzG3C">https://apple.co/44DzG3C</a> / <a href="https://sptfy.be/dn6en">https://sptfy.be/dn6en</a>
Visit Answers for Elders on the web: <a href="https://answersforelders.com/">https://answersforelders.com/</a>

Lifestyle Changes to Avoid Dementia

Don't know where to begin with your budgeting journey? Lena teaches you how to create a budget that you can actually stick to in this episode.

Topics covered: 
Reluctance to budget 
Overcome the challenges of budgeting 
Budgeting strategies that work: 50/20/30 & Zero-based budget
Other benchmarks to measure success 

Need a budgeting app? A list of best budgeting apps.

Listen to all of our podcast episodes and more on our YouTube channel!

Connect with us: 
Linkedin
Facebook
Instagram

Consult with a low-fee financial advisor today! Book a call:

▶️ www.sensibleportfolios.com





SR Featured

Don't know where to begin with your budgeting journey? Lena teaches you how to create a budget that you can actually stick to in this episode.
Topics covered: 
<ul>
<li aria-level="1">Reluctance to budget </li>
<li aria-level="1">Overcome the challenges of budgeting </li>
<li aria-level="1">Budgeting strategies that work: 50/20/30 &amp; Zero-based budget</li>
<li aria-level="1">Other benchmarks to measure success </li>
</ul>
Need a budgeting app? A list of <a href="https://www.forbes.com/advisor/banking/best-budgeting-apps/">best budgeting apps.</a>
Listen to all of our podcast episodes and more on our <a href="https://www.youtube.com/channel/UCFCjA_dBqYExGcTQGMjCK_Q">YouTube channel</a>!
Connect with us: 
<ul>
<li aria-level="1"><a href="https://www.linkedin.com/in/lenaarmuth/">Linkedin</a></li>
<li aria-level="1"><a href="https://www.facebook.com/SensiblePortfolios">Facebook</a></li>
<li aria-level="1"><a href="https://www.instagram.com/sensibleportfolios/">Instagram</a></li>
</ul>
Consult with a low-fee financial advisor today! Book a call:
▶️ <a href="http://www.sensibleportfolios.com/">www.sensibleportfolios.com</a>   
 
SR Featured

Conquer Budgeting: 3 Tips on How to Budget

Lena discusses the investment risk of age-related cognitive decline in this episode of Retirement for Real. Discover how investing simply can make a significant difference in your retirement years.

Topics covered: 
Benefits of a simple investment portfolio
Why older investors should assign a trusted contact person

Check out all of our podcast episodes and more on our YouTube channel!

Connect with us: 
Linkedin
Facebook
Instagram

Create your retirement portfolio strategy today. Consult with Lena: 

▶️ www.sensibleportfolios.com



SR Featured

Lena discusses the investment risk of age-related cognitive decline in this episode of Retirement for Real. Discover how investing simply can make a significant difference in your retirement years.
Topics covered: 
<ul>
<li aria-level="1">Benefits of a simple investment portfolio</li>
<li aria-level="1">Why older investors should assign a trusted contact person</li>
</ul>
Check out all of our podcast episodes and more on our <a href="https://www.youtube.com/channel/UCFCjA_dBqYExGcTQGMjCK_Q">YouTube channel</a>!
Connect with us: 
<ul>
<li aria-level="1"><a href="https://www.linkedin.com/in/lenaarmuth/">Linkedin</a></li>
<li aria-level="1"><a href="https://www.facebook.com/SensiblePortfolios">Facebook</a></li>
<li aria-level="1"><a href="https://www.instagram.com/sensibleportfolios/">Instagram</a></li>
</ul>
Create your retirement portfolio strategy today. Consult with Lena: 
▶️ <a href="http://www.sensibleportfolios.com/">www.sensibleportfolios.com</a>  
 
SR Featured

A Case for Simplicity: Investing Later in Life

In this episode of Retirement for Real, Lena reveals which college savings tool is best to maximize college savings for your family. 

Your Questions Answered: 
How do 529 college savings plans work? 
Prepaid tuition plan or 529 savings plan?
Which 529 savings plan is the best?
Which 529 savings plan is the worst?

Check out all of our podcast episodes and more on our YouTube channel!

Connect with us: 
Linkedin
Facebook
Instagram

Consult with a low-fee financial advisor today! Book a call:

▶️ www.sensibleportfolios.com

In this episode of Retirement for Real, Lena reveals which college savings tool is best to maximize college savings for your family. 
Your Questions Answered: 
<ul>
<li aria-level="1">How do 529 college savings plans work? </li>
<li aria-level="1">Prepaid tuition plan or 529 savings plan?</li>
<li aria-level="1">Which 529 savings plan is the best?</li>
<li aria-level="1">Which 529 savings plan is the worst?</li>
</ul>
Check out all of our podcast episodes and more on our <a href="https://www.youtube.com/channel/UCFCjA_dBqYExGcTQGMjCK_Q">YouTube channel</a>!
Connect with us: 
<ul>
<li aria-level="1"><a href="https://www.linkedin.com/in/lenaarmuth/">Linkedin</a></li>
<li aria-level="1"><a href="https://www.facebook.com/SensiblePortfolios">Facebook</a></li>
<li aria-level="1"><a href="https://www.instagram.com/sensibleportfolios/">Instagram</a></li>
</ul>
Consult with a low-fee financial advisor today! Book a call:
▶️ <a href="http://www.sensibleportfolios.com/">www.sensibleportfolios.com</a>

The Best & Worst 529 Plans for Your Grandkids

Looking for a trusted financial advisor to manage your money? In this podcast episode, Lena offers a guide to choosing the right financial advisor for you.

Topics covered: 
Different types of financial advisors: 

National, Regional and Digital advisors
Fee-only vs. fee-based financial advisors
Low fees matter to 99% of investors 

Check out all of our podcast episodes and more on our YouTube channel!

Connect with us: 
Linkedin
Facebook
Instagram

Contact Lena at Sensible Portfolios today!

▶️ www.sensibleportfolios.com

Looking for a trusted financial advisor to manage your money? In this podcast episode, Lena offers a guide to choosing the right financial advisor for you.
Topics covered: 
<ul>
<li aria-level="1">Different types of financial advisors: 
<ul>
<li aria-level="1">National, Regional and Digital advisors</li>
</ul>
</li>
<li aria-level="1">Fee-only vs. fee-based financial advisors</li>
<li aria-level="1">Low fees matter to 99% of investors </li>
</ul>
Check out all of our podcast episodes and more on our <a href="https://www.youtube.com/channel/UCFCjA_dBqYExGcTQGMjCK_Q">YouTube channel</a>!
Connect with us: 
<ul>
<li aria-level="1"><a href="https://www.linkedin.com/in/lenaarmuth/">Linkedin</a></li>
<li aria-level="1"><a href="https://www.facebook.com/SensiblePortfolios">Facebook</a></li>
<li aria-level="1"><a href="https://www.instagram.com/sensibleportfolios/">Instagram</a></li>
</ul>
Contact Lena at Sensible Portfolios today!
▶️ <a href="http://www.sensibleportfolios.com/">www.sensibleportfolios.com</a>

How to Choose the Right Financial Advisor 

While investing can be simple, it is certainly not easy. Know the four common investing mistakes and the recommendations to avoid them. 

Topics covered: 
Don't make investing complicated
Ignore the financial media 
Have an investment plan that works
Pay attention to investment fees

Use this calculator to learn how much of your investment return you actually keep. 

Check out all of our podcast episodes and more on our YouTube channel!

Connect with us: 
Linkedin
Facebook
Instagram

Need help with your investment planning? Book a call with Lena today: 

▶️ www.sensibleportfolios.com

While investing can be simple, it is certainly not easy. Know the four common investing mistakes and the recommendations to avoid them. 
Topics covered: 
<ul>
<li aria-level="1">Don't make investing complicated</li>
<li aria-level="1">Ignore the financial media </li>
<li aria-level="1">Have an investment plan that works</li>
<li aria-level="1">Pay attention to investment fees</li>
</ul>
Use this <a href="https://larrybates.ca/t-rex-score/">calculator</a> to learn how much of your investment return you actually keep. 
Check out all of our podcast episodes and more on our <a href="https://www.youtube.com/channel/UCFCjA_dBqYExGcTQGMjCK_Q">YouTube channel</a>!
Connect with us: 
<ul>
<li aria-level="1"><a href="https://www.linkedin.com/in/lenaarmuth/">Linkedin</a></li>
<li aria-level="1"><a href="https://www.facebook.com/SensiblePortfolios">Facebook</a></li>
<li aria-level="1"><a href="https://www.instagram.com/sensibleportfolios/">Instagram</a></li>
</ul>
Need help with your investment planning? Book a call with Lena today: 
▶️ <a href="http://www.sensibleportfolios.com/">www.sensibleportfolios.com</a>

4 Common Investor Mistakes that Really Hurt

Do you want to get high returns for your investment? In this episode of Retirement for Real, Lena offers a list of secrets to higher returns that you can start today.

Topics covered: 
Lower fees mean higher expected returns 
Compounding costs negatively impact your portfolio growth 
High cost mutual funds vs. low cost mutual funds 
Common hidden fees

Check out all of our podcast episodes and more on our YouTube channel!

Connect with us: 
Linkedin
Facebook
Instagram

Discover how low cost investing can help you earn more from your investments. Reach out today: 

▶️ www.sensibleportfolios.com

Do you want to get high returns for your investment? In this episode of Retirement for Real, Lena offers a list of secrets to higher returns that you can start today.
Topics covered: 
<ul>
<li aria-level="1">Lower fees mean higher expected returns </li>
<li aria-level="1">Compounding costs negatively impact your portfolio growth </li>
<li aria-level="1">High cost mutual funds vs. low cost mutual funds </li>
<li aria-level="1">Common hidden fees</li>
</ul>
Check out all of our podcast episodes and more on our <a href="https://www.youtube.com/channel/UCFCjA_dBqYExGcTQGMjCK_Q">YouTube channel</a>!
Connect with us: 
<ul>
<li aria-level="1"><a href="https://www.linkedin.com/in/lenaarmuth/">Linkedin</a></li>
<li aria-level="1"><a href="https://www.facebook.com/SensiblePortfolios">Facebook</a></li>
<li aria-level="1"><a href="https://www.instagram.com/sensibleportfolios/">Instagram</a></li>
</ul>
Discover how low cost investing can help you earn more from your investments. Reach out today: 
▶️ <a href="http://www.sensibleportfolios.com/">www.sensibleportfolios.com</a>

The Secret to Higher Investment Returns

Preparing for retirement? Learn the ways you can prepare for a longer retirement in this episode of Retirement for Real. 

Topics covered: 
Facts of life expectancy
Working longer to prepare for 30+ years in retirement 
Health and social benefits of working longer
Benefits of delaying Social Security 
Deferred annuities 
Plan for inflation and increased healthcare costs

Check out all of our podcast episodes and more on our YouTube channel!

Connect with us: 
Linkedin
Facebook
Instagram

Need help with your retirement plan? Reach out today for a consultation: 

▶️ www.sensibleportfolios.com

Preparing for retirement? Learn the ways you can prepare for a longer retirement in this episode of Retirement for Real. 
Topics covered: 
<ul>
<li aria-level="1">Facts of life expectancy</li>
<li aria-level="1">Working longer to prepare for 30+ years in retirement </li>
<li aria-level="1">Health and social benefits of working longer</li>
<li aria-level="1">Benefits of delaying Social Security </li>
<li aria-level="1">Deferred annuities </li>
<li aria-level="1">Plan for inflation and increased healthcare costs</li>
</ul>
Check out all of our podcast episodes and more on our <a href="https://www.youtube.com/channel/UCFCjA_dBqYExGcTQGMjCK_Q">YouTube channel</a>!
Connect with us: 
<ul>
<li aria-level="1"><a href="https://www.linkedin.com/in/lenaarmuth/">Linkedin</a></li>
<li aria-level="1"><a href="https://www.facebook.com/SensiblePortfolios">Facebook</a></li>
<li aria-level="1"><a href="https://www.instagram.com/sensibleportfolios/">Instagram</a></li>
</ul>
Need help with your retirement plan? Reach out today for a consultation: 
▶️ <a href="http://www.sensibleportfolios.com/">www.sensibleportfolios.com</a>

How to Prepare for a Longer Retirement

Understand Social Security and how to optimize and maximize its benefits for your retirement in this podcast episode.

Topics covered: 
How Social Security is funded and structured 
Electing Social Security benefits early vs. late
Your Spousal Benefit & Your Survivor Benefit
Considerations for when to collect 

Use this calculator to compute your life expectancy. 

Check out all of our podcast episodes and more on our YouTube channel!

Connect with us: 
Linkedin
Facebook
Instagram

Develop your Social Security strategy today. Schedule a call with Lena:

▶️ www.sensibleportfolios.com

Understand Social Security and how to optimize and maximize its benefits for your retirement in this podcast episode.
Topics covered: 
<ul>
<li aria-level="1">How Social Security is funded and structured </li>
<li aria-level="1">Electing Social Security benefits early vs. late</li>
<li aria-level="1">Your Spousal Benefit &amp; Your Survivor Benefit</li>
<li aria-level="1">Considerations for when to collect </li>
</ul>
Use this <a href="https://www.ssa.gov/OACT/population/longevity.html">calculator</a> to compute your life expectancy. 
Check out all of our podcast episodes and more on our <a href="https://www.youtube.com/channel/UCFCjA_dBqYExGcTQGMjCK_Q">YouTube channel</a>!
Connect with us: 
<ul>
<li aria-level="1"><a href="https://www.linkedin.com/in/lenaarmuth/">Linkedin</a></li>
<li aria-level="1"><a href="https://www.facebook.com/SensiblePortfolios">Facebook</a></li>
<li aria-level="1"><a href="https://www.instagram.com/sensibleportfolios/">Instagram</a></li>
</ul>
Develop your Social Security strategy today. Schedule a call with Lena:
▶️ <a href="http://www.sensibleportfolios.com/">www.sensibleportfolios.com</a>

How to Optimize Your Social Security Benefits

Retirement for Real is an investment podcast helping retirees make sensible financial decisions in retirement. Lena Armuth, a former first-grade teacher and current fee-only financial advisor, is your host. Join her to learn all about investing for and in retirement. Nothing fancy. No overly complicated or complex solutions. Just the fundamentals explained in a way that is simple to comprehend.

Retirement for Real is an investment podcast helping retirees make sensible financial decisions in retirement. Lena Armuth, a former first-grade teacher and current fee-only financial advisor, is your host. Join her to learn all about investing for and in retirement. Nothing fancy. No overly complicated or complex solutions. Just the fundamentals explained in a way that is simple to comprehend.

Retirement for Real

Social links:

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