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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 and John Solyman CRPC of Empower Wealth & Tax. Welcome back
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Many people spend decades focused on growing their retirement savings. They watch the markets, contribute to retirement accounts, and celebrate when their balances increase. But when retirement finally arrives, one question becomes
When people think about retirement, they often focus on growing their investments. They search for higher returns, the next great investment opportunity, or ways to outperform the market. While investment performance is
Many Americans spend years preparing for retirement. They contribute to their 401(k)s, open IRAs, purchase insurance, and work diligently to build their nest egg. Yet one of the biggest mistakes retirees and
Medicare can feel pretty straightforward… until prescriptions enter the picture. That’s where Medicare Part D comes in. If you take medications now (or even think you might later), understanding Part D can
Medicare is not “set it and forget it.” Plans, provider networks, drug formularies, and costs can change each year—sometimes in ways that surprise people after they’ve already scheduled appointments or refilled prescriptions.
As we head into 2026, Medicare remains one of the most important (and misunderstood) parts of retirement. The good news: you don’t have to “figure it out” alone. A few smart, proactive
2026 is shaping up to be one of the most “noticeably different” Medicare years in a while—not because the rules are unrecognizable, but because the cost and prescription-drug pieces are moving in
If you’re on Medicare (or turning 65 soon), 2026 is a great year to get organized. Medicare isn’t “one-and-done.” Plans, costs, provider networks, and prescription coverage can change from year to year
If you’re approaching 65, already on Medicare, or helping a loved one evaluate coverage, you’ve probably noticed something: Medicare Advantage plans are everywhere. And there’s a reason for that. More than half
What to Know About Filling the Gaps in Original Medicare If you’re approaching Medicare or already enrolled, you’ve probably noticed something surprising:Original Medicare (Parts A & B) doesn’t cover everything. That’s where
If you’re on Medicare — or getting close — you’ve probably heard people talk about “Medicare Supplement” or “Medigap” plans. You’ve also probably heard…👉 “Plan letters”👉 “Original Medicare only covers 80%”👉 “Rates
Choosing or changing your Medicare coverage isn’t something to rush. Each year, your health needs, prescriptions, and budget can shift—and plans change too. Use this simple checklist so you can feel confident
1) Waiting too long to enroll If you miss your Initial Enrollment Period (the 7-month window around your 65th birthday) and don’t have qualifying employer coverage, you may face lifelong Part B
Snowbird Medicare: A Two-State Plan That Actually Works If you split the year between two homes, you already know about duplicate utility bills and the art of packing one jacket that somehow
Medicare doesn’t have to be confusing. Use this simple month-by-month checklist to enroll on time, avoid penalties, and choose coverage that fits your doctors, prescriptions, travel, and budget. 6–9 Months Before Your
