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The Complete Cardinal Guide

TO PLANNING FOR AND LIVING IN

RETIREMENT

WE HELP YOU EMBRACE THE 7 WORRIES IN RETIREMENT

“Finishing Well”

with Hans Scheil

Retirement planning involves a lot more than just managing your money. This show is the complete guide to planning for and living in retirement, helping families finish well. Host Hans Scheil will discuss a new topic every week ranging from Social Security and Medicare to IRAs and taxes. Follow along each week by downloading the corresponding chapters below for free! New episodes air Saturday mornings on the Truth Network. All episodes are posted on ITunes, Spotify, TuneIn, Sticher, and on this page. If you have any questions you would like Hans to answer on air or any comments please fill out the form below!

Download chapters for free or check out our blog.

The 2 Paths of Medicare Explained

When it comes to Medicare coverage, there is a fork in the road: you either have to go left or right. There are 2 coverage options you can choose from.  While you can rethink this decision every year, you can only be on one path at a time. Neither path is “good” or...

Understanding your Social Security Statement

In the past, Social Security statements were mailed to beneficiaries every few years, giving them updates on their benefits. Now, statements are updated yearly, and beneficiaries can access them at any time online. Your Social Security statement provides valuable...

2021 Taxes for Retirees Explained

When most people think of retirement, they are not thinking about taxes, but almost all forms of retirement income are taxed.  With Tax Day around the corner, we want to give you a breakdown of tax brackets, standard deductions, and how retirement changes your tax...

Yours, Mine, and Ours: Estate Planning and Life insurance for Second Marriages

Estate planning in retirement is critical to finishing well. It guarantees the people you love are taken care of after you die. Estate planning for blended families is especially important. Starting this process can be complicated, hard, and emotional; no one wants to...

What does diversification mean, especially in retirement?

Diversification is a term thrown around a lot in discussions of investments, stocks, and money, but do you know what it really means? Like the meaning of the saying “don’t put all your eggs in one basket”, diversification is a form of risk management.   What many...

Age 70 or 71? Where you should put your retirement savings now

In 2020, the Secure Act made sweeping changes to retirement savings, affecting not only how you can save but also how you can distribute these savings. Right as the Secure Act went into effect, the Cares Act was passed as a response to the Coronavirus. The Cares Act...

Planning on self-insurance for long term care? What that means for you and your family

The Federal Interagency Task Force on Long-Term Care Insurance recently found that only 10% of people who could purchase some form of long term care insurance actually hold a policy.  That leaves 90% of people self-insured against long term care, meaning they are...

Medicare Advantage Open Enrollment Period: Can I still change my Medicare coverage?

Every fall, the Medicare Annual Enrollment Period allows seniors to prepare their Medicare coverage for the upcoming year. This is the Medicare enrollment period most beneficiaries are familiar with, as every aspect of Medicare coverage can be adjusted.  There is...

Social Security Cost Of Living Adjustment (COLA) 2021: What it means for you

In January 2021, Americans will see an increase in their Social Security benefits. Most years, Social Security beneficiaries receive what is called a COLA, or a cost of living adjustment.  How much is the increase and why is important? Read on to find out! What was...

How Required Minimum Distributions Increase your Taxes in Retirement

In retirement, you are on a limited budget. You are living off your life savings and your Social Security check. Any unexplained increase in your tax bill could dramatically affect your finances and cause you to outlive your money.  RMDs, or required minimum...

When to transition from term life insurance to whole life insurance in retirement

In retirement, you are transitioning to a new phase of life. Your need for life insurance will be transitioning as well as you go from the working and family rearing years to the empty nest years.  You need life insurance no matter what phase you are in, even if it is...

3 types of annuities that can keep your money safe in retirement

In retirement, you are moving from the accumulation years to the spending years. You’ve put money away your entire working life for retirement and now you need a plan for how to make this money an income.  Annuities are one place to put your money in retirement. Not...

Donating to charities and over age 70 ½ ? Do it in a tax efficient way!

Many people, especially in retirement, choose to give some of their savings to charities that are close to their hearts.Whether that is weekly tithings to the church, monthly recurring donations to your alma mater, or holiday giving at the end of the year, if you are...

What does the U.S. Department of Treasury’s 2020 report mean for your long term care?

In August 2020, the U.S. Department of the Treasury released the report of the Federal Interagency Task Force on Long-Term Care Insurance.   This is a fancy way to say that the federal government gathered a bunch of different people to put out a report with...

Medicare Annual Enrollment is ending, what does that mean for you?

Medicare Annual Open Enrollment (AEP) happens in the fall of every year. It is the time of year Medicare beneficiaries can elect the coverage they want for the upcoming year.  Medicare Annual Enrollment ends on December 7th. What do you need to make sure you've done...

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