Jae'$ Corner Podcast

AI, Aging & Your Money: Dr. Chris Heye, CEO & Creator, whealthchat.ai

In this episode of Jae’s Corner, Jae talks with Dr. Chris Heye—CEO and founder of Wealthcare Planning and WealthChat.ai—about how artificial intelligence can help families and advisors handle the hardest topic in finance: cognitive decline. Together they explore the connection between health, wealth, aging, and how AI tools are changing the future of financial conversations.

In This Video

00:00:00 Introducing Dr. Chris Heye and WealthChat.ai

00:01:00 How health and wealth collide in real life

00:03:00 Why healthcare risks outweigh inflation or market risks

00:06:00 Planning for old age in America vs. other countries

00:08:00 Essential legal documents everyone should have

00:10:00 When financial decision-making starts to decline

00:13:00 How to talk to aging parents about money and health

00:18:00 Using AI to assess cognitive decline risk

00:22:00 Advisor-facing vs. consumer-facing chatbot tools

00:54:00 How AI will reshape the advisor-client relationship

Gen X Is the Caregiving Generation — and It’s Killing Their Retirement

Jae Oh, Education Fellow at the Alliance for Lifetime Income, breaks down the 2025 Protected Retirement Income and Planning Study. He exposes why so many people say they’d choose guaranteed income but never act—and what’s really stopping them from protecting their future.**

In This Video**

00:00:00 The 2025 Protected Retirement Income and Planning Study Overview

00:00:45 Caregiving, Gender Gaps, and Financial Consequences

00:02:15 The Responsible Adult Female and Career Tradeoffs

00:03:10 How Caregiving Impacts Retirement Preparedness

00:04:05 Why Financial Plans Must Adjust After Life Changes

00:05:00 Gen X and the $100,000 Inheritance Question

00:06:15 Why Financial Advisors Rarely Recommend Annuities

00:08:00 The Missing Question: Why Not Act Now?

00:11:00 The Chaos of Multiple Accounts and Hidden Household Risk

00:16:00 What’s Really Stopping You from Protecting Your Income?

Social Media Post**69% of Gen X say they’d buy an annuity if they inherited $100K—so why don’t they do it now? Jae Oh breaks down the 2025 Alliance study and the real reason people stall on guaranteed income.

#RetirementPlanning #Annuities

✅ Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s✅ Free Medicare Guidance: https://bit.ly/4gBeoL6✅ Let's connect: https://linktr.ee/jaeohcfp✅ Free Prescription Discount Card: https://bit.ly/3vv2gpi✅ 2nd Free Prescription Discount Card: https://bit.ly/3NWIBp8✅ Free Term Life Insurance Quote: https://bit.ly/37xaYJL✅ Your private appointment https://calendly.com/justjae/ ✅Link to Free ACA Quoting Tool: https://bit.ly/FreeACATool📖 Book website: http://www.maximizeyourmedicare.com🐦Twitter: https://twitter.com/JaeOhCFP🐦Twitter: https://twitter.com/MaxYourMedicare✅email info at gh2benefits.com#personalfinance #finance #talk— Maximize Your Medicare by Jae OhAll insurance products sold through this site are processed through the licensed entity/agent: Jae Oh, NPN 15996497. We do not offer every plan available in your area. Currently we represent approximately 15 organizations which offer over 100 products nationwide. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Long-Term Care Planning Transformed with AI | Guest: Waterlily CEO

Description:Join Jae as he interviews Lily Vittayarukskul, co-founder of Waterlily, in a comprehensive discussion on the future of long-term care planning. Lily shares her personal journey, the challenges of navigating family care, and how Waterlily’s AI-driven platform empowers both families and financial professionals. This interview explores the intersection of technology, finance, and caregiving, offering actionable insights for anyone planning for long-term care.Link: https://waterlily.comIn This Video00:00 – Introduction & Setting the Stage03:16 – Lily’s Personal Motivation & Background07:11 – The Family Experience: Navigating Long-Term Care11:40 – Identifying the Real Audience: Families vs. Advisors15:43 – The Wealth Management Industry & Adoption Challenges20:27 – Waterlily’s Predictive AI: How It Works26:32 – Financial Planning: Cost Projections & Policy Analysis32:45 – Return on Investment: Policies vs. Self-Funding36:41 – The Evolving Role of Advisors & Technology41:10 – Consumer Access, Final Thoughts & Closing✅ Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s✅ Free Medicare Guidance: https://bit.ly/4gBeoL6✅ Let's connect: https://linktr.ee/jaeohcfp✅Link to Free ACA Quoting Tool: https://bit.ly/FreeACATool📖 Book website: http://www.maximizeyourmedicare.com🐦Twitter: https://twitter.com/JaeOhCFP🐦Twitter: https://twitter.com/MaxYourMedicare✅email info at gh2benefits.com#personalfinance #finance #talk— Maximize Your Medicare by Jae OhAll insurance products sold through this site are processed through the licensed entity/agent: Jae Oh, NPN 15996497. We do not offer every plan available in your area. Currently we represent approximately 15 organizations which offer over 100 products nationwide. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

✅ Free Medicare Guidance: https://bit.ly/3GoHTBZToll Free (855) 463 - 9688

Description

Jae breaks down why MaximizeYourMedicare.com is the hub for plain-spoken guidance—and why 2026 is more complex than you’ve been told. From the “birthday rule” backfire to Part D coverage gaps, AEP timing, GLP-1 gotchas, PPO vs HMO tradeoffs, and out-of-pocket max math, this episode shows how to use rules and competition to your advantage. Free guidance, serious caveats, and a clear plan—without the hype.

In This Video

00:00:00 Why MaximizeYourMedicare.com exists & who it’s for

00:01:00 AEP timing: why starting before Oct 15 saves headaches

00:03:00 Substack: free vs paid, curation, and why context matters

00:05:00 2026 is harder: regulation, skepticism, and “not financial advice”

00:10:00 Medicare.gov walk-through: what I can finally say today

00:15:00 Medigap is standardized; the real story is rate hikes

00:16:00 The “birthday/anniversary rule” backlash—why prices rise

00:23:00 Part D demo: GLP-1 coverage gaps & the $2,100 cap nuance

00:35:00 Medicare Advantage vs Medigap math: networks & OOP max

00:45:00 Markets differ by ZIP: producer pay, plan exits, and buyer edge

______________________________________________________________CONNECT:✅ Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s✅$$$ Free Prescription Discount Card: https://bit.ly/3vv2gpi✅$$$ 2nd Free Prescription Discount Card: https://bit.ly/3NWIBp8✅Free Term Life Insurance Quote: https://bit.ly/37xaYJL✅📖 Book website: http://www.maximizeyourmedicare.com✅Twitter: https://twitter.com/JaeOhCFP✅Twitter: https://twitter.com/MaxYourMedicare#Medicare #MedicareExplained #MaximizeYourMedicare— Maximize Your Medicare by Jae OhNot affiliated with any governmental agency. All insurance products sold through this site are processed through the licensed entity/agent: Jae Oh, NPN 15996497. We do not offer every plan available in your area. Currently we represent approximately 15 organizations which offer over 100 products nationwide. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Peak 65, the Social Security Bridge, and Why 64% Now Pick Annuities

Brief Description

Jae (Education Fellow, Alliance for Lifetime Income) walks through PRIP 2025: Peak 65 demographics, inflation/volatility, and the Social Security “bridge” strategy. The punchline: plan off net, not gross—healthcare is Expense 1A. Clear takeaways on annuities vs. stocks and withdrawal pacing.

00:00:00 Welcome + what PRIP is and why it matters
00:01:00 Money’s naming problem: annuities boiled down to function
00:03:00 Peak 65 headlines: inflation, volatility, Social Security worries
00:05:00 Knowledge gaps + uncertainty = delayed decisions
00:06:00 Net vs. gross income: healthcare costs as Expense 1A
00:09:00 TINA is gone: rates, volatility, and “stocks for show, bonds for dough”
00:11:00 The 64% windfall stat: annuities vs. stocks and “why not now?”
00:16:00 Social Security “bridge” = hedging longevity risk (spousal angle, COLA)
00:22:00 The Four M’s: Mortality, Morbidity, Markets, Macro reality
00:27:00 Slow withdrawals (“conversion rate”) + wrap and next steps

In This Video

The One Big Beautiful Bill Act could upend healthcare for millions. In this must-hear conversation, Jae Oh, CFP® and Medicare expert, unpacks how Medicaid work rules, Medicare Advantage cost shifts, and ACA premium spikes could impact retirees, workers, and families.In This Video00:00:00 Medicaid Ejections Are Happening Now00:01:15 Should Retirees Worry About Medicare Changes?00:03:00 New Medicaid Work Requirements Explained00:04:30 Why Everyone on Medicaid Must Verify Monthly00:05:45 Medicare Savings Program Disruption Risks00:07:10 Could Part B Costs Rise? The Budget Battle Impact00:08:45 ACA Marketplace Chaos and Premium Uncertainty00:11:00 Enhanced APTC Ending? What It Means for You00:13:00 Employer Open Enrollment: Don’t Just “Check the Box”00:20:00 COBRA vs ACA After Layoffs: Planning Under Pressure🚨 16 million could lose coverage. Medicaid work rules, Medicare cuts, ACA premium hikes—all in one bill. Jae Oh breaks it all down so you don’t get blindsided. Essential for retirees, workers, and HR pros. Watch here: [link]#Medicare #ACA #RetirementPlanning #Medicaid #HealthCareReform #JaeOh #FinancialPlanning #openenrollment ✅ Subscribe to Jae's Corner on Substack: https://bit.ly/3u8TR8s✅ Free Medicare Guidance: https://bit.ly/4d3xszG✅ Let's connect: https://linktr.ee/jaeohcfp✅ Free Prescription Discount Card: https://bit.ly/3vv2gpi✅ 2nd Free Prescription Discount Card: https://bit.ly/3NWIBp8✅ Free Term Life Insurance Quote: https://bit.ly/37xaYJL✅ Your private appointment https://calendly.com/justjae/ ✅Link to Free ACA Quoting Tool: https://bit.ly/FreeACATool📖 Book website: http://www.maximizeyourmedicare.com🐦Twitter: https://twitter.com/JaeOhCFP🐦Twitter: https://twitter.com/MaxYourMedicare✅email info at gh2benefits.com#personalfinance #finance #talk— Maximize Your Medicare by Jae OhAll insurance products sold through this site are processed through the licensed entity/agent: Jae Oh, NPN 15996497. We do not offer every plan available in your area. Currently we represent approximately 15 organizations which offer over 100 products nationwide. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

CassGPT Returns! Medigap & Medicaid Updates

Brief Description
Cass is back—and just in time. In this extended episode of Jae’s Corner: Now It Makes Sense, Jae and Cass break down the unintended costs of Virginia’s Medigap birthday rule, the unraveling of Medicaid eligibility post-pandemic, and the looming threat to enhanced ACA subsidies (APTC). If you’re in Medicare, Medicaid, or in between, this is the episode that pulls back the curtain on policy spin and shows you the financial reality. Get ready to decode the system, avoid premium traps, and learn how to plan before the rules change beneath your feet.

In This Video00:00:00 The Return of Cass & What’s Coming

00:01:10 Medigap Birthday Rule in Virginia Explained

00:02:15 The Pricing Trap: How Carriers Adjust

00:03:50 Who the Birthday Rule Hurts Most

00:05:20 Unintended Consequences for Medically Vulnerable

00:08:15 Medicaid Expansion vs. Eligibility Unwinding

00:10:30 How to Stay on Medicaid: Monthly Action Steps

00:13:10 WARN Notices and the Link to Healthcare Coverage

00:16:30 Real-Life Examples: COBRA vs. ACA Planning

00:23:45 Enhanced APTC Threat & Financial Planning Shifts

ChatGPT Interviews Jae Oh: United HeathGroup Investigation

UnitedHealthcare Under Federal Investigation: What Medicare Advantage Members Need to Know Now

Brief Description
UnitedHealth Group—the largest Medicare Advantage provider—is under criminal investigation by the DOJ, potentially impacting over 35 million members. Jae Oh answers the 10 urgent questions every Medicare Advantage enrollee should be asking. No fluff. Just facts.

In This Video
00:00:00 DOJ vs UnitedHealth: What’s Really Going On?
00:01:45 Will Your Medicare Advantage Plan Be Affected?
00:03:15 How Could Fines Impact Future Benefits?
00:05:15 Could This Reshape Medicare Advantage Regulation?
00:07:00 Can You Switch Plans Now If You’re Worried?
00:09:30 Who Should Still Care Even If Not With UHC?
00:11:30 What Should Brokers & Agents Be Doing?
00:13:15 Why Risk Coding Opened the Door to Abuse
00:15:30 Is This Just the Start of More Investigations?
00:17:00 What Every Medicare-Eligible Person Must Do Now

Social Media Post
🚨 UnitedHealthcare is under criminal investigation—and 35 million Medicare Advantage members could feel the shockwaves. Jae Oh unpacks the 10 most critical questions consumers must ask right now. Share this with anyone nearing Medicare age.
#MedicareAdvantage #UnitedHealthcare #HealthcareFraud #JaeOh #MaximizeYourMedicare #Medicare2025 #DOJinvestigation #HealthPolicy

United Healthcare Under Criminal Investigation

Jae breaks down the Wall Street Journal’s report that UnitedHealth Group, a giant company, the nation's largest health insurance carrier is under criminal investigation for possible Medicare Advantage fraud. From risk coding mechanics to the 50% plunge in UHG stock, learn what this means for the 35 million Americans on Medicare Advantage—and why your annual plan review has never been more critical.In This Video00:00:00 Criminal Probe Unveiled00:02:00 Medicare Advantage by the Numbers00:04:00 UHG Stock’s 50% YTD Collapse00:06:00 Demystifying Health Insurance Pricing00:08:00 Risk Coding & Extra Payments Explained00:10:00 Funding Member Benefits: Dental, Vision & More00:12:00 DOJ Allegations vs. Carrier Justifications00:14:00 Your Right to Change Plans Annually00:16:00 Anticipating 2026 Plan Reshuffles00:18:00 Integrating Medicare with Financial Planning

ChatGPT & Jae Explain: POTUS Rx Fix

Brief Description
Jae and Cass break down the explosive Most Favored Nation (MFN) executive order and its seismic threat to Big Pharma, PBMs, and the insurance industry. Learn why this isn’t just price reform—it’s a full-blown system shock, and why Jae saw it coming before the ink was dry.

In This Video
00:00:00 Cold Open – MFN Drops Like a Bomb
00:00:35 Jae Predicted It – MFN Was Always the Domino
00:02:15 What Most Favored Nation Pricing Actually Means
00:04:00 Why the Benchmark Matters – Leveling the Global Field
00:05:30 Graceful Exemption – Carveouts for the Poorest Nations
00:07:00 Transfer Pricing – Cracking the Code of U.S. Drug Opacity
00:09:00 MFN’s Domino Effect on Employer Plans & Medicare Advantage
00:11:00 PBMs in the Crosshairs – Toll Takers Face Transparency
00:13:00 Insurers’ Identity Crisis in a Post-MFN World
00:16:00 Wall Street Panic & the Coming Industry Shakeout
🚨 The president just lit a fuse under Big Pharma. Most Favored Nation pricing isn’t a tweak—it’s a total system rewrite. Jae saw it coming. Cass breaks it down. What happens next could hit your wallet and your 401(k).