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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.

When does Medicare cover Long term care?

Many Medicare beneficiaries only plan for paying for long term care is Medicare. They are shocked when they find out Medicare does not cover long term care.  Of course, Medicare does cover medical services in long term care settings, such as doctors visits and such,...

Medicare Annual Open Enrollment 2020: Everything you need to know

On October 15th, the Medicare Annual Enrollment Period (AEP), sometimes referred to as Medicare Open Enrollment, starts. This is the time to make sure you have the best Medicare coverage for the upcoming year.  Medicare beneficiaries have 54 days, until December 7th,...

Do I have to start my Social Security if I start my Medicare?

Medicare and Social Security are linked. Many beneficiaries do not find this out until they go to sign up for Medicare. It is important to plan how you want to approach your Medicare and Social Security sign up dates - once you make a decision, you really can’t take...

When do I need a financial planner along with a CPA in retirement?

In retirement, keeping your income steady requires planning since you are not receiving a regular paycheck anymore. While you are receiving a Social Security check, you are also going to start living off the savings that you’ve accumulated during your working years....

The 5 Institutions Life Insurance Beneficiaries are Protected From

For many retirees that we help, one of the biggest concerns that comes up during estate planning is that the right people are going to get the right amount of money. Life insurance solves this.  Life insurance is a way to create an estate with the stroke of a pen. It...

What is a MYGA (Multi-Year Guaranteed Annuity) and how does it provide a higher interest rate?

In retirement, you have to start living off the money you have saved for decades. Many times, this leads to people in or near retirement having extra money just sitting in savings, making very little in interest.  While you don’t want to put this money anywhere risky,...

How to use your IRA money more effectively in retirement

Many people in their 50’s, 60’s, and 70’s, have a huge hunk of money sitting in their IRA or 401(k). Unless you are over age 72, you are not yet required to take distributions from these accounts and, if you are like most of our clients, you do not have a plan for...

Using Life Insurance to pay for Long Term Care Insurance

No one wants to pay for something and possibly never use it. Hybrid long term care insurance gives consumers a way to insure themselves against long term care costs as well as leave their family a benefit if they don’t end up needing care.  Simply put, a hybrid policy...

What are the pros and cons of Medicare Advantage (Part C) plans?

Every single person who goes onto Medicare is going to sign up for Original Medicare. Original Medicare, Parts A and B, is going to leave you with an uncapped 20% gap. You need insurance to cover this 20%.  You have 2 options. The first is a Medicare Supplement. The...

Social Security Benefits for Divorcees

When it comes to Social Security benefits, it can be confusing figuring out exactly what you qualify for.  Especially if you have been divorced, or know someone who has, it is important to be aware of what ex-spouses have claim to in regards to Social Security...

3 Tax Benefits of Roth IRAs in Retirement

In retirement, taxes change a lot. A source of many of these changes comes from the fact that most retirees are now drawing from their IRAs for income.  Roth IRAs are going to give retirees a triple crown of tax benefits with a proper plan in place for how to use this...

How do I make sure my spouse will have enough money after I pass?

You likely have someone dependent on your income to live. While this is usually a spouse, it can also be an adult child, grandchild, or anyone else who relies on you for support. When you die, they are going to need something to replace your income, even if you are...

What is the minimum amount of life insurance I should have in retirement?

Once you reach retirement, it might seem that you don’t need life insurance anymore. Your children are supporting themselves, your house is paid off, you have savings - you’re all set.  While this is a great position to be in, every single person should consider a...

Should I leave my IRA to my kids?

The purpose of an IRA, or a 401(k), is to fund your retirement and provide income when you are done working.  While many retirees use their IRA for this exact purpose, others view it as a wealth transfer vehicle. Many people stuff a large portion of their savings into...

What’s the best age to buy long term care insurance?

Too often, clients only seek long term care insurance once it is too late. The cost for the care they want, usually home health care, becomes prohibitive at this late stage. For most people, long term care insurance is an option worth considering earlier rather than...

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