On this episode, Kelly talks about some new retirement account rules that take effect for 2025. Whether you’re still working or retired you’ll want to be aware of how some of these new rules might impact you’re your retirement income planning.

Interesting Reads
USNews.com: What Is The Secure Act
Investopedia.com What is the Secure Act and How It Could Affect Your Retirement
Kiplinger.com: Secure Act 2.0 Summary

 Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com

 Get in touch
Email [email protected]
or call 814-419-8424

 Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency. 
The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California.
If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us @yourHRSagent.com
All rights reserved.

A successful retirement plan should focus on more than just managing your financial accounts. This week we dive into holistic planning. What does mean? And how not taking a holistic approach to your retirement plan can lead to unexpected and often unnecessary expenses.

Interesting Reads
ss.gov: Taxes and your Social Security Benefit
Kiplinger.com: Why a Good Retirement Plan Isn’t Separate Pieces

Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com

 Get in touch
Email [email protected]
or call 814-419-8424

Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

 Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency. 
The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California.
If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us online @yourHRSagent.com

On this Halloween edition of Retire Well, we’re shining a light on the frightening world of scams that target retirees. From too good to be true offers to tech savvy schemes, we’ll help you to avoid being tricked and protect your finances.

Interesting Reads

USA.gov How To Place or Lift a Freeze on Your Credit

Consumer.ftc.gov: Free Credit Report

 Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com

 Get in touch
Email [email protected]
or call 814-419-8424

 Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency. 

The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California.
If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us on line @yourHRS agent.com
All rights reserved

When we think about retirement planning, we generally think about saving and investing for our future. But that’s only the beginning. It’s crucial to give proper thought to what’s next. On this week’s episode Kelly dives into how to manage your nest egg and protect yourself from some common mistakes.
Take our risk tolerance quiz https://thefinancialhq.com/yourhrsagent.com

Interesting Reads
Fidelity.com: How to Plan For Rising Healthcare Costs

Kiplinger.com: Threats to the Distribution Phase of Retirement

 Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com

 Get in touch
Email [email protected]
or call 814-419-8424

Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency. 

The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California.
If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us online @yourHRSagent.com
All rights reserved.

The Inflation Reduction Act is making a BIG impact on Medicare prescription drug plans in 2025. This week Kelly shares how this legislation affects Medicare and if you’re over 65 how your employer plan may be impacted. 

Interesting Reads
CMS.gov Medicare Prescription Payment Plan
Forbes.com What to Do if the $2000 cap jeopardizes your employer coverage
Healthinsurance.org Obamacares Subsidy Cliff Eliminated Through 2025
Medicare.gov Avoid Late Enrollment Penalties

Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com

 Get in touch
Email [email protected]
or call 814-419-8424

Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency. 
The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California.
If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us online www.yourhrsagent.com

All rights reserved

Most people have been told they wouldn’t need life insurance once they retire, but is that true for everyone? This week Kelly talks about who might still need life insurance in their retirement years and also shares a few ways to use life insurance in ways you may not have thought about.

 Interesting Reads:

 Investopedia.com: Do I Still Need Life Insurance After I Retire?

Marketwatch.com: How to Use Life Insurance to Help with Estate Planning

Forbes.com How Hybrid Life Insurance Pays for Long Term Care

Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com

 Get in touch

Email [email protected]
or call 814-419-8424

 Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency. 

The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California.
If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us on the web @ your HRS agent.com

It’s hard to escape the noise that the surrounds the Presidential election. This week on the show we address some of the fears surrounding how election results impact your future retirement plans and what you should do about it.

 Interesting Reads
https://www.investopedia.com/investors-election-year-worries-could-be-overblown-experts-say-8410521

https://news.nationwide.com/101123-nearly-half-of-investors-believe-2024-election-will-have-a-big-impact-on-portfolios/

 Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com

 Get in touch
Email [email protected]
or call 814-419-8424

Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency. 

The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed.

This week on week on Retire Well Kelly will be answering questions from our listeners. We’ll be covering topics on Medicare, Income planning and mortgages in retirement.  These are the questions that our Retire Well community wants to know! 

Interesting Reads

SSA.gov Apply For Extra Help
Aging.pa.gov Apply for Pace or Pacenet
SSA.gov IRMAA Appeal SSA-44
Nerdwallet.com IRMAA Brackets
Kiplinger.com Retirees with Guaranteed Income are Happier Live Longer

Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com

 Get in touch
Email [email protected]
or call 814-419-8424

 Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

 Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency. 

The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California.

If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us at www.yourhrsagent.com

This week on Retire Well, we’re taking on the subject of long-term care. With 10,000 baby-boomers turning 65 every day, a care crisis is looming, and your retirement plan should be ready. Kelly will dive deep into the increasing aging population, different ways to receive your care and strategies to cover the cost. 

Interesting Reads

KFFHealthNews.org:Dying Broke A KFF Health News & NY Times Project
PHCA.org: The Need For Long Term Care Grows
Genworth.com: Cost of Care Survey
AARP.org: Long Term Care – The Crisis Everyone Must Face

Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. 

If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com

Get in touch

Email [email protected]
or call 814-419-8424
Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954
 
Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency. 

The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California.

If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us on the web @ your HRS agent.com

This week on Retire Well, Kelly shares some truth on annuities. We’ll dive deep into the pros and cons of using annuities in retirement, why these products are so misunderstood and when they might make sense for your retirement.

Interesting Reads
Kiplinger.com: Retirees with Guaranteed Income Are Happier
Knowledge at Wharton: Why Retirement Gets Better With Annuities
USA Today: Annuities Are the Key to Retirement 

Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com

Get in touch
Email [email protected]
or call 814-419-8424
Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot and Hometown Retirement Specialists, LLC are not affiliated with the Social Security Administration, CMS or any government agency. We do not offer tax, legal or accounting advice.

The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California.
If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us on the web @ your HRS agent.com
All rights reserved.