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Leah Woodford 00:00 Hi, and welcome to Retire Smart Austin. I’m Leah Woodford, and with me today is Phil Capriotti Sr. of Empower Wealth and Tax. And today we’re actually going to
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Leah Woodford 00:00 Welcome, Retire Smart Austin. I’m Leah Woodford with Phil Capriotti Sr today, of Empower Wealth and Tax, and we’re actually continuing last week’s show on trusts, and I’m so
Leah Woodford 00:00 Welcome to Retire Smart Austin. I’m Leah Woodford, and with me today is Phil Capriotti Sr., of Empower Wealth and Tax, and today we’re talking everything trusts. Welcome back.
When people think about financial planning, they often focus only on retirement accounts or investment strategies. While these are important pieces of the puzzle, true financial security comes from creating a complete
Most people do not ignore their finances because they do not care.They ignore them because life gets busy. Work takes over. Family needs attention. Retirement feels far away. Insurance paperwork feels confusing.
When most people think about retirement planning, they focus on the big numbers. How much they have saved. How much income they will need. When they want to retire. But there is
Medicare provides valuable health coverage for millions of Americans, but many beneficiaries are surprised to discover that it does not cover everything. Understanding where coverage gaps exist can help seniors plan ahead,
Medicare is not something most people should set once and forget. Your health needs can change, your prescriptions can change, and Medicare plan costs and coverage can change too. That is why
For many people approaching age 65, Medicare feels like something they can figure out later. After all, if you are still working, covered by a spouse’s plan, or simply feeling healthy, it
For many people, Medicare is one of the most important financial and healthcare decisions they will make in retirement. Yet it is also one of the most misunderstood. Between enrollment deadlines, coverage
Turning 65 is a milestone — and for many Americans, it’s the moment when Medicare enters the conversation. While Medicare provides valuable health coverage for retirees, the system can feel confusing. With
For many Americans, retirement brings freedom, flexibility, and the opportunity to enjoy the next chapter of life. But before leaving an employer health plan behind, it’s important to understand how Medicare works
Turning 65 is a milestone.But when it comes to Medicare, it can also feel overwhelming. Between Parts A, B, C, D… Medigap… enrollment periods… penalties… provider networks… it’s no surprise that many
Even if you feel confident in your Medicare coverage, it’s smart to review your plan at least once a year. Costs change. Networks change. Prescription formularies change. And sometimes your own health
Medicare can feel straightforward at first—Part A helps cover hospital care, Part B helps cover doctor and outpatient services—but then you hear about Medicare Advantage and everything gets a little more confusing.
If you’re new to Medicare or helping a loved one, it’s easy to mix up Medicare and Medicaid—they sound similar, but they’re very different programs. The good news: once you understand the
Medicare Supplement (Medigap) plans can help control out-of-pocket costs in 2026. Here’s what’s new this year, how plans compare, and how to pick the right fit. If you’re on Original Medicare in
If you take even one regular medication, Medicare prescription drug coverage can make a meaningful difference in your monthly budget. But Part D can also feel confusing because plans change, formularies change,