Talking Retirement

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.  

When am I supposed to take Social Security? What factors should I consider when taking Social Security? Can I work while taking Social Security? Should I wait until my full retirement age?

There are so many things to consider when choosing to take Social Security. Luckily, we brought in the retirement experts from Retirable to help! Mckayla Johnson is a Certified Financial Planner with years of experience helping people decide when to take It.

In this episode of Talking Retirement, we talk about:
- What Social Security Is And How Your Benefit is Calculated
- Factors To Consider When Choosing To Elect Social Security
- The Importance Of Financial Planning When Taking Social Security
- Spousal, Survivor, Widow's benefits and Social Security Disability

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

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. 

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.  

Dr. Dean Graziano is a pharmacist with decades of experience in the pharmaceutical industry. He's worked in supermarkets, pharmaceutical research, the long term care industry, and owns his own pharmacy. He is also a licensed Medicare broker.

We got to pick Dean's brain on a variety of subjects in this episode of Talking Retirement. Tune in if you'd like to learn more about the pharmacy industry!

If you'd like to contact Dean, visit his website at www.dgmedicare.com or email him at [email protected].

Follow us on all our socials for daily senior, Medicare, and life insurance tips! 
Instagram: www.instagram.com/njlifeandhealth 
Facebook: www.facebook.com/njlifeandhealth 
TikTok:  @njlifeandhealth   
Website: www.njlifeandhealth.com

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.  

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.  

How do you properly manage your diabetes? What are some misconceptions about diabetes? Why is diabetes medication so unaffordable? 

We got to talk to Rachel Halverson, a diabetic coach, educator, and nurse, who is the CEO of Give Me Some Sugar diabetes coaching. In this episode, she dives into how to manage your diabetes, why there are so many misconceptions about diabetes, why diabetes medication is often out of reach or unaffordable, and changes she would like to see to our healthcare system. 

For more information on Rachel:
Rachel Halverson BSN, RN, CDCES, NC-BC
CEO of Give Me Some Sugar 
IG: @givemesomesugardiabetes 
TikTok: @givemesomesugarbetes 

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

Check out the great educational content on our Youtube channel: 

www.youtube.com/@njlifeandhealth 

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.  

Download Our Free Medicare Checklist: https://www.njlifeandhealth.com/medicare-checklist 

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  

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.  

What are 5 Medicare Facts people may not know? In this episode of Talking Retirement, we dove into the Medicare knowledge of NJ Life and Health's President John O'Hara. John walked us through the costs of Medicare, how Medicare doesn't cover Long Term Care, explained Medicare Advantage plans, and so much more! You're not going to miss Talking Retirement Episode 5: 5 Medicare Facts with John O'Hara!

Watch the podcast on our Youtube channel at www.njlifeandhealth.com/@njlifeandhealth
Follow us on all social platforms @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.  

Download Our Free Medicare Checklist: 
https://www.njlifeandhealth.com/medicare-checklist

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.  

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.  

A few weeks ago we stumbled across an amazing article entitled "Medicare Advantage May Be A Disadvantage" written by local Audiologist Dr. Izzy. In the article he outlined the issues his practice and patients have faced with Medicare Advantage plans. We got to talk to him about these issues and more in this episode.  He told us about his issues with Medicare Advantage plans, the changes he'd like to see with Original Medicare, and gave us some amazing tips for maintaining proper hearing health.

Find Dr. Izzy at:
https://www.gardenstatehearing.com/
@gardenstatehearing

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! www.instagram.com/njlifeandhealth
www.facebook.com/njlifeandhealth
https://www.tiktok.com/@njlifeandhealth 

To schedule a free consultation with one of our licensed life and health insurance brokers to talk about Medicare, Life Insurance, and more, reach out to us! Visit our website at www.njlifeandhealth.com or call our office at 848-226-6897.  

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.  

As we age, it is common that we start using more prescriptions to help maintain our quality of life and stop any conditions from getting worse. But are you better off getting those prescriptions from a national chain pharmacy, or a local one? We got to talk to the incredible Dr. Sharif of CureRX pharmacy in this episode. He is the pharmacist in charge and owner our our neighborhood's local pharmacy. We talked about the advantages of working with a local pharmacy, the issues that can happen at national chain pharmacies, how a pharmacist fits into your healthcare team, some changes he’d  like to see in the industry, and so much more. You’re not going to want to miss Episode 3 of Talking Retirement, Dr. Sharif of CureRX. Let’s dive into it! 

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 

To schedule a free consultation with one of our licensed life and health insurance brokers to talk about Medicare, Life Insurance, and more, reach out to us! Visit our website at 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.  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.  

We often talk about changes to physical health as we age. But what changes can we expect from our mental health as we age? How do we deal with grief? How do we fill time meaningfully during the transition to retirement? We got to talk to the very talented owners of AE Wellness, Elisha Farley and Alanna Higgins. They are licensed psychotherapists based in West Chester, PA, who gave excellent insight into a variety of mental health subjects. We talked about difference in mental health between generations, approaching mental health for the first time late in life, managing mental health as a caretaker, and so much more!

AE Wellness: 

https://www.aewellness.org/ 

Instagram: @aewellnessllc 

https://www.facebook.com/LLCAEWellness 

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

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 

To schedule a free consultation with one of our licensed life and health insurance brokers to talk about Medicare, Life Insurance, and more, reach out to us! Visit our website at www.njlifeandhealth.com or call our office at 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.  

Many people don't know that financial planning while you're working and financial planning while you're retired may be entirely different skillsets. We spoke to Nick Mancuso of Retirable, the first-of-its-kind holistic retirement solution. Retirable focuses specifically on helping people manage finances in retirement, and Nick had a treasure trove of tips to share with us. We talked about the transition to retirement, the different ways to help ensure your lifestyle, keeping cool during economic downturns, and so much more! You're not going to want to miss this episode!

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Affiliate Disclaimer: In this episode, Nick mentions that people can reach Retirable through the email address: [email protected]. We do have a referral program with Retirable and may be paid a referral fee for people using this email. Retirable did not pay to be on this podcast on sponsor it.

More information on Retirable:
https://retirable.com/ https://retirable.com/partners/medicare/nj-life-and-health - *Affiliate Link, we may get compensated for you signing up through this link*https://www.linkedin.com/company/retirable/
@retirable https://twitter.com/retirable
https://www.facebook.com/Retirable/
@retirable https://www.youtube.com/channel/UCZoQlZCl5oSXUzsrn7pBrEg - 

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.