Hans and Robby are back again this week with a brand new episode The discussion turns to Roth IRA's and all the need to know information to help you today as well as later on down the road Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

We have reached part of the Medicare saga Hans and Robby discuss important information and details about Medicare for next year Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Every year Medicare beneficiaries have the choice of paths and they can only pick one Hans and Robby go over both paths as well as the pros and cons Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

At the beginning of every year there is a Medicare Advantage Open Enrollment Period Hans goes over what this period allows Medicare beneficiaries to do as well as the other periods Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Medicare Annual Open Enrollment ends on December th Hans goes over what you need to make sure you have done before then Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans goes over what qualifies as qualified money as well as explains the advantages of this Then he tells Robby the story of a client he had any how he used his IRA in order to leave the legacy he wanted Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans and Robby go over why you need a tax preparer like a CPA and a tax planner like a financial planner and what the differences are between the two Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

There are tax benefits you are going to get out of having a Roth IRA in retirement Hans goes over what these are as well as what you can do right now no matter your age to make sure your IRA and k accounts are in a good spot Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans and Robbys discuss income tax for people who are retired this week on Finishing Well Have questions Please reach out - we would love to answer them on the show Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Jesus was all about the fundamentals as Robby shares on this week's show Hans is all about the fundamentals too especially with Medicare Consumers cannot really understand Medicare and what their coverage is until they understand the basics Learn all about the parts plans and premiums of Medicare on this weekend episode of Finishing Well We even talk about changes Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - [... more]

Everyone's IRA is different but yet they are still taking advice and facts from their friends and family Hans and Robby address this issue as well as all the options you have for making the most of your IRA by lowering your taxable income not receiving penalties and handling required minimum distributions First up is penalties for required minimum distributions Some people have this idea that they never want to pay taxes so they are not going to touch their IRA This is a mistake as not taking out distributions after is going to land you with a huge penalty [... more]

We are about to see a ton of ads during the Medicare Annual Enrollment Period but what really is the reason for the season The season which runs from October th through December th is really a time to look at Part D Prescription Drug plans as well as Part C Medicare Advantage plans Hans and Robby go over everything you need to know before the season begins Medicare Annual Enrollment allows Medicare beneficiaries to change their coverage to hopefully make it work better for them through the next year Part D Prescription Drug Plans can and a lot of [... more]

In the Sermon on the Mount Jesus said Blessed are the poor in spirit for theirs is the kingdom of heaven Robby points out that we should recognize that we are poor in spirit when deciding when to take our Social Security and ask for help Bloomberg recently published an article titled American's lose trillions claiming Social Security at the wrong time Hans agrees that generally people start their Social Security too soon usually because they did not ask for help People who delay Social Security can live off their IRAs or take another job if they don't want to [... more]

Proverbs says Wisdom is found on the lips of the discerning but a rod is for the back of one who has no sense When it comes to Medicare Supplements unfortunately many people don't have the tools to have sense and it can end up being a rod in their wallets This week Hans and Robby discuss everything you need to know about Medicare Supplements Medicare Advantage plans and Part D Drug plans Medicare Supplements are standardized by the government but unfortunately people are not told about this too often and it is buried in the literature that many don't [... more]

Luke talks about the cost of being a disciple In the passage a king prepares for war by counting his troops he does his homework to make sure he is prepared At a certain age you are most likely going to have to confront a health war where you will pay thousands of dollars for health care It is important to prepare for this and know how you are going to pay the costs Understanding Medicare Supplements is the first place to start Hans tells a story about a year old client who was interested in retirement planning Through this [... more]

Proverbs says Hope deferred makes the heart sick but a longing fulfilled is a tree of life With IRA's or individual retirement accounts hope or money deferred allows your longings to be fulfilled when you retire These hopes include a comfortable retirement with travel and fun and providing for your family Robby talks about how his dad wanted to go to Hawaii with his wife but after she passed he instead got to go with his children This was his hope deferred One thing most people where not hoping for is paying taxes on the money in their IRA but [... more]

Robby is reading a book to his dad about lessons you can learn from sheepdogs One of the main points the book makes is that the main way to communicate with sheepdogs is by hand signals not verbal communication Just like sheepdogs you have to follow God's signals as they come into your life Hans had a client come into his life when he was just starting Cardinal Dr Bob introduced Hans to Ed Slott the IRA expert While Hans thought he knew a good amount about IRAs he learned so much by going through the Ed Slott training He [... more]

Christ gives us all a period of grace while we are on earth We have time to accept him into our lives before we die Recently Robby found out that there is also a grace period when it comes to signing up for Medicare Just like with Christ if you do not make the deadline of this period it can be very costly Hans and Robby go in-depth this week about Medicare deadlines and the penalties that come with them Robby recently saw an article chronicling people who missed these deadlines and how it impacted their lives and finances Hans [... more]

Medicare Annual Enrollment is almost over it ends on December th Do you know if you need to do anything Hans and Robby discuss the decisions Medicare beneficiaries need to make every fall The first one is if you would like to go the Medicare Supplement route or the Medicare Advantage route Next you need to decide which companies which plans and which drug plans you'll have for the year Make sure to listen because the first decision is usually skipped People can pay thousands more a year for the same coverage if they do not do this review every [... more]

This week we are diving further into Medicare discussing Medicare Supplements and Medicare Advantage Plans We talk about the differences between the two how they cover what Medicare doesn't and how much they cost We also discuss the biggest similarity of them both they don't cover long-term care How do you fill the gap that this leaves How does Medicaid fit into all this Listen to find out If you would like to follow along with the show in the book you can get the books on Amazon or download the corresponding chapters on CardinalGuide com Hans can be reached [... more]

Medicare Annual Enrollment is upon us but do you really need to do anything Hans and Robby discuss the decisions Medicare beneficiaries need to make every fall Make sure to listen because the first decision is usually skipped Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

This week Hans and Robby answer questions about all the urban legends related to Medicare including Is the donut hole important What are all the Parts and how do they work together When do you sign up for Medicare if you are still working What about a Medicare Supplement How much does it cost How many parts are there What is extra help What is better Medicare Supplement or Medicare Advantage A lot of questions are answered this week listen in to make sure you know all the answers Don't forget to get your copy of The Complete Cardinal Guide [... more]