This week on the show, Kelly discusses the changing landscape of retirement.
Retirement as we know it is changing. American’s are living longer than ever before and
planning for the next 30 years goes beyond the funding of retirement. Many approaching retirement are asking themselves if the traditional notion of retirement is for them.
In today’s episode we explore ideas for easing into retirement.
Kelly is the agency owner 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’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
Got an idea for the show…. We want to hear it! Email [email protected]
Links you may be interested in:
#NeverRetire: WSJ- When will I Retire? How About Never
Investopedia- What is Phased Retirement
CSR- Retirement Trend in the U.S, 200-2022
Yahoo Finance- Surprising Stats on the State of Retirement in America
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 is the agency owner 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. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode 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.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

This week is a special episode just in time for the holidays. Kelly will be sharing nuggets of retirement wisdom shared by her longest-lived clients. You won’t want to miss this episode! 

Kelly is the agency owner 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’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
Got an idea for the show…. We want to hear it! Email [email protected]
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 is the agency owner 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. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode 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.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products
in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health
Insurance Program (SHIP) to get information on all of your options.

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

This week Kelly shares another important conversation with Bo Moore of Seven Mountains Media in Johnstown about planning for long-term care and why it’s important to plan ahead of time. Statistics show that 70% of retirees over the age of 65 will need some type of future care. Kelly shares some options on how you can best protect your retirement.

Kelly is the agency owner 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’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
Got an idea for the show…. We want to hear it! Email [email protected]
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

Resources you might be interested in:
National Institute on Aging – What is long-term care
Medicare.gov – Long-term care
Genworth Financial – The cost of long-term care
AARP – Long-term care cost calculator
Pa.gov – Medical Assistance

Kelly Racicot is the agency owner 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. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode 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.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

It seems like the buzz word in the financial world these days is Roth IRAs and Roth Conversions. So what’s all the hype? This week on the show, Kelly shares when it might make sense to pay the tax now for the potential for tax free distributions in retirement; and how even high earners can get in on the benefits of a Roth IRA.
Got an idea for the show…. We want to hear it! Email [email protected]
Kelly is the agency owner 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’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

Resources you might be interested in:
Tax Policy Center- Buckle Up: 2025 Promises To Be An
Kiplinger- What To Do Before Tax Cut and Jobs Act
Kiplinger- Widows Penalty- How to Prepare
USdebtclock.org
Nerd Wallet- 2024 IRMAA brackets

Kelly Racicot is the agency owner 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. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode 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.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

The holiday season can be stressful when you’re on a fixed income. On this week’s episode Kelly shares some tips on how you can spend wisely this year.
Kelly is the agency owner 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’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 is the agency owner 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. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode 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.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.

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 believe, but there are only about six weeks remaining in 2023. On today’s show Kelly will be reminding you of a few financial things you’ll want to tackle before you get busy with the holiday season.
Kelly is the agency owner 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’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

Resources you might be interest in:
Click here to take your free RISK QUIZ
Kelly Racicot is the agency owner 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. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode 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.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

If you’re going to be enrolling in Medicare soon… this episode is for you!
This week I’ll be breaking down the alphabet soup of Medicare. You’ll learn about the 4 main parts of Medicare and the plan and options available to you. We’ll also talk about how you can avoid any late enrollment penalties.
Kelly is the agency owner 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’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

Resources you might be interest in:
www.Medicare.gov
PA Pharmacy Assistance Program PACE/PACENET
Part D Extra Help SSA.gov
Kelly Racicot is the agency owner 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. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode 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.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products
in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health
Insurance Program (SHIP) to get information on all of your options.
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 the show I’m sharing an interview that I did with Bo Moore of Seven Mountains Media several months ago. We discussed taking advantage of the rising interest rates and how it can benefit you in your retirement. Since then, interest rates have continued to rise and the topic is even more relevant today, so I wanted to share it on the podcast with the Retire Well community.
Kelly is the agency owner 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’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 is the agency owner 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. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode 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.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products

in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health
Insurance Program (SHIP) to get information on all of your options.
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 the show we discuss one of the most widely used strategies for income in
retirement. Is 4% still considered a “safe” withdrawal amount given recent market volatility and inflation? And what’s so special about 4%? Where did that number come from and is it even still relevant today? We dive into these questions and more…
Kelly is the agency owner 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’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

Resources you might be interest in:
Kiplinger: The 4% Rule Gets a Closer Look
Yahoo Finance: Even Bengen is revisiting the 4% rule
Morningstar: Is 3.3% the new 4.0%?

Kelly Racicot is the agency owner 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. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode 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.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

What happens when you need more care than your health insurance will provide? This week Kelly share’s some important considerations when planning for your future care and why it’s important to have these conversations early.

For more information on long-term care. Visit these useful links:
https://yourhrsagent.com/long-term-care
The national Institute on Aging

Kelly is the agency owner 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 is the agency owner 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. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 plans available in the area. Please contact medicare.gov, 1-800-
MEDICARE or your local State Health Insurance Program (SHIP).
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.

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