"My client called in crisis - no power of attorney, medical emergency, total legal chaos." Estate planning attorney Kim Fiero reveals why waiting could be your family's biggest mistake.

Kim Fiero is a partner at Timothy Rice Estate & Elder Law. She brings 12+ years of legal services experience helping New Jersey seniors navigate complex legal challenges. She also serves on the board of Ocean County Senior Services!

• College students need legal docs too - Parents often can't access accounts or make decisions for incapacitated adult children 

• Marriage myths busted - Spouses sometimes don't automatically have financial or medical authority

 • Guardianship nightmare - Without proper docs, families can face expensive court battles with judges and physician evaluations 

• The 3 essential documents - Power of attorney, medical directive, and will basics everyone needs 

• New Jersey's 55+ community ruling - How recent appeals court decision affects property ownership and estate planning

Bottom Line: Simple planning today prevents family chaos tomorrow. Don't be the family scrambling in crisis mode.

Connect with Kim: 🌐 Timothy Rice Estate and Elder Law
 📞 833-888-0462 📧 [email protected]

Medicare and Life Insurance questions, call NJ Life and Health! www.njlifeandhealth.com 📞 848-226-6897

Thanks for tuning into Talking Retirement! To watch a video version of the podcast, check out our Youtube Channel at www.youtube.com/@njlifeandhealth. For daily tips for seniors, Medicare enrollees and more, follow us on all our socials at @njlifeandhealth. And to talk to a licensed Medicare & Life Insurance broker, schedule your free appointment at our website www.njlifeandhealth.com or call our office at 848-226-6897.

Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.

A Conversation About Accessible Financial Planning with Joel Miller, CFP

Joel Miller, founder of Flames Financial Planning, discusses his approach to making professional financial guidance accessible to middle-income Americans through flat-fee planning rather than traditional asset-based pricing models.

Episode Overview: We explore the differences between fee structures in financial planning, the challenges faced by what Joel calls the "mass affluent" demographic, and how integrated financial services can help families coordinate their investments, taxes, and estate planning more effectively.

Key Timestamps:

• 0:42 - Introduction and Guest Welcome
• 1:15 - Understanding Fee-Only Financial Planning
• 2:44 - Innovating Financial Services for the Mass Affluent
• 5:00 - Psychology of Money and Financial Habits
• 6:40 - Comprehensive Financial Services Explained
• 14:04 - Importance of Life Insurance and Estate Planning
• 17:06 - Personal Mission and Business Vision
• 20:55 - Macro-Level Changes for Financial Equity
• 30:25 - Actionable Financial Steps and Continuous Support
• 34:04 - Conclusion and Contact Information

About Our Guest: Joel Miller is a Certified Financial Planner who founded Flames Financial Planning with a mission to serve families often overlooked by traditional advisory firms. His practice offers a membership model that bundles financial planning, investment management, tax preparation, and estate planning services. Joel's approach is influenced by his faith and extensive mission work, including building houses in Mexico and leading programs in the Czech Republic and Haiti.

Connect with Joel: Website: flamesfp.com | Instagram: @joel.miller.finance

For Medicare and Life Insurance: Contact NJ Life and Health at njlifeandhealth.com or call 848-226-6897 for comprehensive Medicare and life insurance guidance.

Across all social media at @NJlifeandhealth

Subscribe to Talking Retirement for weekly conversations about practical financial and retirement planning strategies.

#TalkingRetirement #FinancialPlanning #RetirementPlanning #PersonalFinance

Thanks for tuning into Talking Retirement! To watch a video version of the podcast, check out our Youtube Channel at www.youtube.com/@njlifeandhealth. For daily tips for seniors, Medicare enrollees and more, follow us on all our socials at @njlifeandhealth. And to talk to a licensed Medicare & Life Insurance broker, schedule your free appointment at our website www.njlifeandhealth.com or call our office at 848-226-6897.

Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.

Aaron Miller's journey from trial litigation to estate planning law provides valuable perspective on protecting family assets and planning for future care needs. His personal experience with long-term care costs and professional expertise in elder law offer practical guidance for families considering their options.

Guest Spotlight: Aaron Miller practices estate planning and elder law in Texas, specializing in Medicaid planning, asset protection, and long-term care strategies. His personal experience with devastating family care costs drives his mission to educate families about protection options most people never discover until it's too late.

Key Discussion Points:

• Understanding hybrid long-term care insurance and its advantages over traditional policies
• Important coverage limitations for memory care facilities under Medicaid
• Estate planning considerations specific to second marriages and blended families
• Medicaid asset protection trusts that require five-year advance planning
• Regulatory changes affecting veterans' access to Aid and Attendance benefits
• Growing sophistication of scams targeting seniors and protective strategies

To get your no-cost Medicare and Life Insurance education reach out to NJ Life and Health:

848-226-6897 | www.njlifeandhealth.com

Social channels @njlifeandhealth

To work with Aaron Miller go to aaronmillerlaw.com

Thanks for tuning into Talking Retirement! To watch a video version of the podcast, check out our Youtube Channel at www.youtube.com/@njlifeandhealth. For daily tips for seniors, Medicare enrollees and more, follow us on all our socials at @njlifeandhealth. And to talk to a licensed Medicare & Life Insurance broker, schedule your free appointment at our website www.njlifeandhealth.com or call our office at 848-226-6897.

Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.

Career Reinvention and the Art of Luxury Travel with Rodney

What happens when a successful financial advisor "flunks retirement" and discovers his true calling in the travel industry? Meet Rodney, who transformed a post-retirement hobby into one of the top 10 travel agencies in a network of over 3,000 franchises.

Episode Overview: Rodney shares his journey from 30 years in financial planning to building a luxury travel consultancy that serves clients aged 55-85. His team has completed 119 cruises collectively and maintains over 240 years of combined travel experience. We explore his philosophy about time, experience, and why professional travel planning often costs less than online booking.

Key Timestamps:

• 1:13 - Introduction and Career Transition
• 1:43 - Starting a Travel Business
• 2:47 - Favorite Travel Destinations
• 4:00 - The Concept of an Experience List
• 5:37 - Lux Travel Consultants Services
• 7:36 - Luxury vs. Boutique Cruises
• 11:20 - Land Tours and Popular Destinations
• 13:58 - Post-COVID Travel Trends
• 19:59 - Importance of Travel Insurance
• 23:20 - Travel Tips and Resources
• 24:29 - Podcast and Contact Information

To schedule your no-cost Medicare or Life Insurance education, reach out to NJ Life and Health!

848-226-6897 or visit www.njlifeandhealth.com. 

@njlifeandhealth across all social media!

Perfect for listeners interested in:

• Career transitions and finding purpose after traditional retirement
• Understanding the value of professional travel planning
• Learning about luxury travel experiences and options
• International travel insurance considerations
• Post-pandemic travel trends and opportunities

Rodney's "it's later than you think" philosophy serves as a powerful reminder that experiences should be prioritized while we can still enjoy them.

Connect with Rodney: Phone: 844-547-2763 | Website: luxetrav.com Get "25 Secrets to a Great Vacation": Text "25secrets" to 66866, visit the Luxury Travelers Podcast available on YouTube

Thanks for tuning into Talking Retirement! To watch a video version of the podcast, check out our Youtube Channel at www.youtube.com/@njlifeandhealth. For daily tips for seniors, Medicare enrollees and more, follow us on all our socials at @njlifeandhealth. And to talk to a licensed Medicare & Life Insurance broker, schedule your free appointment at our website www.njlifeandhealth.com or call our office at 848-226-6897.

Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.

"These are not your grandmother's reverse mortgages" - How the reverse mortage has changed over time

Join host Ken Connolly as he challenges his own preconceptions about reverse mortgages with 30-year industry veteran Laura Phillips. What starts as skeptical questioning transforms into an eye-opening education about how modern programs have evolved far beyond their troubled past.

🎯 Meet Laura Phillips: Licensed reverse mortgage specialist across multiple states, certified through NAR, and a "boutique lender" who takes a deeply personal approach to client education. With three decades in mortgages—from 18% interest rate chaos to today's more regulated landscape—Laura brings unmatched perspective to this misunderstood financial tool.

💡 Key Discussion Points:

• Why early reverse mortgages left surviving spouses "literally on the street"
• How lending limits dropped from 75-80% to just 35-60% of home value
• The mandatory HUD counseling that protects every borrower
• Strategic uses for market volatility and cash flow challenges
• Red flags to avoid reverse mortgage scams
• When these programs absolutely don't make sense

💭 Perfect For: Seniors considering all retirement income options, adult children helping parents navigate financial decisions, financial professionals seeking deeper product knowledge, and anyone wanting facts instead of fear-mongering about reverse mortgages.

Connect with Laura Phillips: LauraPhillips.com for Colorado and multi-state consultations

NJ Life and Health:

www.njlifeandhealth.com | 848-226-6897

@njlifeandhealth Across All Socials

Subscribe to Talking Retirement for more honest conversations about Medicare, life insurance, and retirement planning strategies.

#TalkingRetirement #ReverseMortgage #RetirementPlanning #SeniorFinance #FinancialSecurity

Thanks for tuning into Talking Retirement! To watch a video version of the podcast, check out our Youtube Channel at www.youtube.com/@njlifeandhealth. For daily tips for seniors, Medicare enrollees and more, follow us on all our socials at @njlifeandhealth. And to talk to a licensed Medicare & Life Insurance broker, schedule your free appointment at our website www.njlifeandhealth.com or call our office at 848-226-6897.

Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.

Discover the fascinating world of estate sales with Sharon McKenzie-Venning, owner of Mackenzie Estate Sales and Real Estate Services. In this revealing interview, Sharon shares her journey from Brooklyn teacher to successful estate sale entrepreneur, celebrating 10 years in business. Learn the difference between garage sales and estate sales, hear incredible stories of hidden treasures (including $5,000 found in a mattress!), and understand why proper documentation is crucial when liquidating an estate. Sharon offers valuable advice for seniors considering downsizing and explains how her full-service approach helps families navigate difficult transitions with care and professionalism. Whether you're curious about estate sales, planning for retirement, or helping aging parents downsize, this episode provides essential insights with Sharon's signature blend of expertise and humor.
  
Listen to the podcast on Spotify, Apple Podcasts, and more! Search “Talking Retirement” to take the podcast with you everywhere you go. 

Follow us on all our socials for daily senior, Medicare, and life insurance tips! 

Instagram: www.instagram.com/njlifeandhealth 

Facebook: www.facebook.com/njlifeandhealth 

Tik Tok: https://www.tiktok.com/@njlifeandhealth 

If you'd like to schedule a no-cost Medicare education with one of our licensed Medicare experts, reach out anytime! Schedule a consultation at www.njlifeandhealth.com/schedule or call our Toms River, NJ office at 848-226-6897.  

We Service the Following States: AZ, AR, CT, DE, FL, GA, IL, KY, LA, MA, MD, ME, NC, NJ, NM, NV, NY, PA, RI, SC, TN, TX, VA, WV  

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.  

Disclaimer: 

The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.  

Thanks for tuning into Talking Retirement! To watch a video version of the podcast, check out our Youtube Channel at www.youtube.com/@njlifeandhealth. For daily tips for seniors, Medicare enrollees and more, follow us on all our socials at @njlifeandhealth. And to talk to a licensed Medicare & Life Insurance broker, schedule your free appointment at our website www.njlifeandhealth.com or call our office at 848-226-6897.

Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.

Join us on "Talking Retirement" as we dive deep into retirement planning with Harry Abrahamsen, a financial advisor with over 20 years of experience who specializes in helping retirees and pre-retirees. Harry shares his unfiltered perspective on mainstream financial advice, why "money isn't math," and how to navigate the complex world of retirement planning.

🔑 Key Topics:
- The truth about Required Minimum Distributions (RMDs) and their tax implications
- Why life insurance is ultimately about love and protection
- How to prepare for "black swan events" in retirement
- The difference between broker-dealers and independent RIAs
- His break into Youtube
- And much more
Harry also discusses his book "Money Rules" and his approach to retirement planning that focuses on both the numbers AND the human elements that affect your financial decisions.

Harry Abrahamsen - https://abrahamsenfinancial.com/
Youtube - https://www.youtube.com/@UCkdTgZc5y31WbyZca5ykcsA 

If you'd like to schedule a no-cost Medicare education with one of our licensed Medicare experts, reach out anytime! Schedule a consultation at www.njlifeandhealth.com/schedule or call our Toms River, NJ office at 848-226-6897.  

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.  

Disclaimer: 

The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.  

Thanks for tuning into Talking Retirement! To watch a video version of the podcast, check out our Youtube Channel at www.youtube.com/@njlifeandhealth. For daily tips for seniors, Medicare enrollees and more, follow us on all our socials at @njlifeandhealth. And to talk to a licensed Medicare & Life Insurance broker, schedule your free appointment at our website www.njlifeandhealth.com or call our office at 848-226-6897.

Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.

Host Ken Connolly welcomes Ira Fleischer, Area Director for Hearing Life, and Sharon Stoor, BC-HIS, ACA, Board Certified Hearing Instrument Specialist with almost 40 years of experience in hearing health.

In this informative episode, our experts discuss how Hearing Life is making quality hearing care accessible to everyone through:

- Free hearing evaluations with no obligation
- Extensive follow-up care at no additional cost
- Continued acceptance of NJ Medicaid when many providers don't
- NJ's HAAAD program offering $1,000 in hearing aid assistance
- Affordable payment plans starting at $92/month

"Everybody deserves it," explains Ira on why they continue accepting Medicaid patients. Sharon adds, "We're very fortunate in New Jersey that New Jersey Medicaid does pay for hearing instruments."

Don't delay getting your hearing checked! Visit hearinglife.com to find one of their 31 NJ locations.

Talking Retirement is produced by NJ Life and Health. Visit www.njlifeandhealth.com for more retirement resources.

Disclaimer: 

The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.  

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own.  Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.  We’re here to provide general educational information.   

Thanks for tuning into Talking Retirement! To watch a video version of the podcast, check out our Youtube Channel at www.youtube.com/@njlifeandhealth. For daily tips for seniors, Medicare enrollees and more, follow us on all our socials at @njlifeandhealth. And to talk to a licensed Medicare & Life Insurance broker, schedule your free appointment at our website www.njlifeandhealth.com or call our office at 848-226-6897.

Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.

Ready to tackle a topic many avoid but everyone needs to understand? In this episode of Talking Retirement, we sit down with funeral insurance expert Jo Gallo to demystify this essential part of end-of-life planning. Jo breaks down the fundamentals of funeral insurance, explains how policies work, discusses average costs, and shares valuable insights on when to purchase coverage. Whether you're planning for yourself or helping loved ones, this conversation provides the straightforward guidance you need to make informed decisions without the unnecessary stress. Subscribe for more practical retirement planning advice that helps secure peace of mind for you and your family.


Check out the great educational content on our Youtube channel: 

www.youtube.com/@njlifeandhealth 

Follow us on all our socials for daily senior, Medicare, and life insurance tips! 

Instagram: www.instagram.com/njlifeandhealth 

Facebook: www.facebook.com/njlifeandhealth 

Tik Tok: https://www.tiktok.com/@njlifeandhealth 

If you'd like to schedule a no-cost Medicare education with one of our licensed Medicare experts, reach out anytime! Schedule a consultation at www.njlifeandhealth.com/schedule or call our Toms River, NJ office at 848-226-6897.  

We Service the Following States: AZ, AR, CT, DE, FL, GA, IL, KY, LA, MA, MD, ME, NC, NJ, NM, NV, NY, PA, RI, SC, TN, TX, VA, WV  

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.  

Disclaimer: 

The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

Thanks for tuning into Talking Retirement! To watch a video version of the podcast, check out our Youtube Channel at www.youtube.com/@njlifeandhealth. For daily tips for seniors, Medicare enrollees and more, follow us on all our socials at @njlifeandhealth. And to talk to a licensed Medicare & Life Insurance broker, schedule your free appointment at our website www.njlifeandhealth.com or call our office at 848-226-6897.

Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.

In this episode of "Talking Retirement," host Ken Connolly sat down with Medicare broker Jo Gallo to discuss a critical but often overlooked aspect of Medicare Advantage plans: cancer and heart attack coverage. This conversation revealed important insights about the potential financial risks seniors face and how to protect themselves against them. 

Listen to the podcast on Spotify, Apple Podcasts, and more! Search “Talking Retirement” to take the podcast with you everywhere you go. 

Follow us on all our socials for daily senior, Medicare, and life insurance tips! 

Instagram: www.instagram.com/njlifeandhealth 

Facebook: www.facebook.com/njlifeandhealth 

Tik Tok: https://www.tiktok.com/@njlifeandhealth 

If you'd like to schedule a no-cost Medicare education with one of our licensed Medicare experts, reach out anytime! Schedule a consultation at www.njlifeandhealth.com/schedule or call our Toms River, NJ office at 848-226-6897.  

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.  

Podcast Summary: 

Talking Retirement is a comprehensive podcast that covers a wide range of topics related to retirement. From health and finances to caregiving and estate planning, our guests share valuable insights and actionable tips to help you navigate this important phase of life. Whether you're retired, planning for your own retirement or helping a loved one, Talking Retirement is your go-to resource for all things retirement-related. Join us to stay informed, educated, and empowered as you embark on this exciting new chapter.   

Disclaimer: 

The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented. 

Thanks for tuning into Talking Retirement! To watch a video version of the podcast, check out our Youtube Channel at www.youtube.com/@njlifeandhealth. For daily tips for seniors, Medicare enrollees and more, follow us on all our socials at @njlifeandhealth. And to talk to a licensed Medicare & Life Insurance broker, schedule your free appointment at our website www.njlifeandhealth.com or call our office at 848-226-6897.

Disclaimer:
The views and opinions expressed in this podcast are solely those of the individuals involved and do not necessarily reflect the official policy or position of any organization or entity they may be affiliated with. The information provided is for general informational purposes only and should not be considered as professional, legal, financial or medical advice. Listeners should always consult with a qualified professional for any specific questions or concerns they may have. The hosts and producers of this podcast are not responsible for any actions taken based on the information presented.

We are not financial, medical, caregiving or legal professionals, and the opinions and views expressed by our guests are their own. Your results may vary, so you should always consult with your own financial, medical, caregiving, legal and other professionals before making any important life decisions.