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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.

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...

What Does the Social Security Full Retirement Age Mean?

Social Security makes up a huge portion of most retirees income. Taking your check at the right time can mean the difference between tens of thousands of dollars during your lifetime in benefits.  If you want to get Social Security timing right, the first thing you...

How Every State Taxes Differently in Retirement

Taxes change in retirement. While this is normally due to how you are receiving your income (i.e. Social Security, IRA distributions, etc.), it can also be due to your state's taxes, which can significantly affect how long your savings last.  Cardinal works in all 50...

The 4 Essential Estate Planning Documents

There are 4 documents that are essential in making sure what you want to happen happens when you age and when you pass.  These documents are  important to have done while you are alive and in a good mental state, so you can lay out exactly what you want and who you...

Life Insurance, Lifetime Long Term Care coverage, and Guaranteed Premiums: An example of a Hybrid Long Term Care Policy

Many retirees come to us wanting to know how they can better use the money they have in retirement. They are also highly aware of the risk of outliving their money. Usually, the one event that is going to send their budget sideways is the cost of long term care. For...

What is qualified money and non-qualified money?

When looking at finances or retirement planning, it is almost impossible to not come across the terms “qualified” and “nonqualified”. Many times, we have clients asking us what these terms mean and how they apply to their money.  Most everyone has qualified and...

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,...

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