In this video, Erik Soderborg and Zacc Call walk you step by step through how to determine exactly how much of your Social Security income will be taxable.

Be sure to download the Free Social Security Taxability Worksheet to follow along with us.

Get it here: https://theretirementnerds.com/social-security-worksheet/

OTHER RELATED VIDEOS:

https://youtu.be/HNQbgUTqzRshttps://youtu.be/QXC0j1O-eAg

https://youtu.be/-ifv6Y6migk

https://youtu.be/ZetbFdEqi2A

https://youtu.be/Q82iDCI_lZg

https://youtu.be/VHHNYdpVwrU

ZACC'S CHANNEL: https://www.youtube.com/@ZaccMoneyEducation

Many retirees don’t realize that between 0% and 85% of their benefits can be taxed depending on their income level. Zacc shows you how to run the calculation yourself so you’ll know what to expect.

📌 What you’ll learn in this video:

The formula used to calculate taxable Social Security income

What counts as “provisional income”

Examples that show when 0%, 50%, or up to 85% of benefits are taxed

How other income sources affect your Social Security tax bill

If you’re retired or planning for retirement, this walkthrough will help you avoid surprises at tax time and make better financial decisions.

Check out our resources at https://TheRetirementNerds.com/

Send me a message!

[email protected]

Be Sure to Subscribe to our Channel!

YouTube: @theretirementnerds

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

⏰ TIME CODES ⏰

0:00 Intro

0:24 Purpose of Spreadsheet

1:02 Which Boxes to Fill Out

3:45 How Much SS is Taxable

5:16 Deductions

7:10 Far Right Grid Explanation

8:57 Itemized Deductions

9:44 Tax Tornado Table

13:37 Roth Conversion Opportunities

15:50 Middle Chart Explanations

18:06 Filing Status Matters

19:49 What this Does NOT Do

20:50 Where to Get Help

#socialsecurity #theretirementnerds #socialsecuritytax #retirementnerds #finance #zacccall

Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Zacc Call is back to go over why someone would choose Roth vs Traditional accounts. In this video, he goes over the 8 Reasons Why Someone Should Consider Roth Contributions or Conversions. This is building off the foundational math that if your tax rate stays the same, and your investments grow at the same rate, for the same time, you will have the same spendable amount regardless of whether you go Roth or Traditional. Zacc goes over other factors that may influence that decision of Roth vs Traditional in more depth, building off of the foundational math.

Part 1 of this Series: https://youtu.be/RODrPaJ-xNU

Original Deep Dive Video with over 1.6M Views: https://youtu.be/VHHNYdpVwrU

How Social Security is Taxed: https://youtu.be/-ifv6Y6migk

Zacc's Channel: https://www.youtube.com/@ZaccMoneyEducation

Check out our resources at https://TheRetirementNerds.com/

Send me a message!

[email protected]

Be Sure to Subscribe to our Channel!

YouTube: @theretirementnerds

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

⏰ TIME CODES ⏰

0:00 Intro

2:25 1. RMD Management

4:04 2. Inheritance Implications

6:28 3. Government Raising Tax Rates

8:17 4. IRMAA Penalties

11:46 5. Phase Outs & AGI Limits

13:58 6. Social Security Taxation

18:13 7. Marginal Tax Bracket Management

20:38 8. Straddling Marginal Lines

23:14 Motivations for Advisors

25:30 Careful of Marketing Messages

27:53 Where to get help

#medicare #theretirementnerds #roth #rothvstraditional #retirementnerds #finance

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Should you choose a Roth or Traditional account?

Zacc Call discusses the math that most people get wrong when analyzing whether or not a Roth (or Roth Conversion) or a Traditional account puts them in the best tax position in retirement.

If you’ve ever wondered which account type will leave you with more money in retirement, this interview breaks it down with clarity, examples, and powerful insights.

RELATED VIDEOS:

https://youtu.be/VHHNYdpVwrU

ZACC'S CHANNEL:

https://www.youtube.com/ ⁨@ZaccMoneyEducation⁩ 

✅ Topics covered:

• The math mistake almost everyone makes

• Roth vs Traditional: what's the real difference?

• How taxes today vs taxes in retirement impact your decision

• A framework to help you decide the right strategy for you

Check out our resources at https://TheRetirementNerds.com/

=============================

Send me a [email protected]

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Be Sure to Subscribe to our Channel!

YouTube: @theretirementnerds =============================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

=============================

⏰ TIME CODES ⏰

0:00 Intro

0:54 The Math Myths

2:23 The Math

7:06 What Can Change?

7:45 Where You Pay Taxes

9:02 Contribution Behavior

11:18 4 Basic Reasons

11:40 Tax Rate Will Rise

15:50 Tax Rate Will Decrease

17:27 Max Funding Accounts

19:50 Marginal Tax Bracket Management

22:46 Don't Feel Guilty

23:59 Required Minimum Distributions

23:44 Zacc's Channel

=============================

#investing #theretirementnerds #roth #rothvstraditional #retirementnerds #finance

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

In this interview Jim Burch with EasyLegalPlanning.com outlines one of the most critical (and overlooked) parts of estate planning — funding your trust.

Your Trust is worthless if you have not properly funded the trust.

Jim walks through the 7 key types of assets that should go into your trust and explains exactly how to fund each one, including:

1. Real Estate

2. Bank Accounts

3. Brokerage Accounts

4. Life Insurance

5. Retirement Accounts

6. Personal Property

7. Business Assets

📌 If you’ve created a living trust (or are thinking about it), but haven’t funded it properly — this video is a must-watch.

Discover how to avoid probate, protect your legacy, and make sure your trust actually works when it’s needed most.

ESTATE PLANNING 101 VIDEO

https://youtu.be/nkFQmsdCW-I

WANT TO SET UP YOUR OWN TRUST?

Jim and his team can complete your estate plan in all 50 states.

https://easylegalplanning.com/

Or, reach out to me to connect you to Jim.

[email protected]

MORE RETIREMENT RESOURCES:

https://TheRetirementNerds.com/

JOIN THE MONTHLY NEWSLETTER

https://theretirementnerds.com/newsletter/

⏰ TIME CODES ⏰

0:00 Introduction

1:19 What Funding Means

1:45 7 Types of Assets

3:21 Real Estate

7:35 Bank Accounts

12:51 Brokerage Accounts

15:55 Life Insurance

18:45 Retirement Accounts

21:52 Personal Property

25:10 Pour-Over-Will Clarification

27:41 Business Assets

29:40 Final Summary

32:37 Where to Get Help

33:28 Make it Easy

=============================

#estateplanning #theretirementnerds #willandtrust #retirementnerds

Download the free Social Security Taxability Worksheet Here:

https://theretirementnerds.com/social-security-worksheet/

Zacc's YouTube Channel:

https://www.youtube.com/@ZaccMoneyEducation?sub_confirmation=1

Related Videos:

https://youtu.be/kFgagJM6rLE

https://youtu.be/ZetbFdEqi2A

https://youtu.be/HNQbgUTqzRs

Contact us if you need help with any of these topics:

https://theretirementnerds.com/contact-us/

Connect:

Website:

https://theretirementnerds.com/

TikTok:

https://www.tiktok.com/@retirementnerds

In this video, I sit down with tax expert Zacc Call to discuss the Big Beautiful Bill and its significant effects on Social Security taxability, Roth conversions, and the overall tax burden for seniors.

Zacc walks us through his Social Security Taxability worksheet, which can help seniors navigate the complexities of tax planning and ensure they’re optimizing their retirement strategy.

We break down the details, offering actionable insights to help you reduce tax liabilities and make smarter financial decisions as you approach retirement.

If you’re a senior, planning for retirement, or simply looking to learn more about tax strategies for Social Security, this video is a must-watch.

If you liked the video, please give it a "Thumbs up!" and subscribe to see more!

⏰ TIME CODES ⏰

0:00 Intro to the Worksheet

1:31 Setting Up Income

4:06 Charitable Distributions Clarification

6:30 Social Security Taxability Calculation

7:49 Senior Bonus Deduction Discussion

15:24 Tax Torpedo

16:50 Roth Conversion Tax Torpedo

19:03 Phase Out of Senior Deduction

22:29 Changing Filing Status

22:58 Middle Tables

28:40 Do the New Deductions Change Roth Strategy?

29:29 4-Year Window

32:02 Impact on Higher Incomes

34:18 Focuses for High vs Low Income

34:59 Should You Even File?

38:12 SALT Deduction

39:57 Important Resources

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Revocable vs Irrevocable Trusts – What’s the difference, and which one should you choose?

In this episode, we break down the pros and cons of both types of trusts so you can make an informed decision when it comes to estate planning, asset protection, and avoiding probate.

Connect with Jim and his team at Easy Legal Planning:

Website: EasyLegalPlanning.com

Email: [email protected]

You’ll learn:

• What a revocable trust is and when to use one

• The key features of an irrevocable trust

• Which trust protects your assets from creditors

• How each trust impacts taxes and control

• The biggest mistakes people make when choosing a trust

Whether you're planning your estate, helping a loved one, or just trying to understand how trusts work, this video simplifies the complex legal differences so you can confidently plan your financial future.

✅ Subscribe for more estate planning tips

👍 Like this video if it helped you

💬 Comment below with your questions—we respond!

Watch next: https://youtu.be/nkFQmsdCW-I

Check out our resources at https://TheRetirementNerds.com/

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

⏰ TIME CODES ⏰

0:00 Teaser

0:37 The Set Up

1:03 Definitions

2:04 Liability Protection Differences

3:18 Medicaid Implications

6:30 Downsides of Irrevocable Trusts

9:13 Estate Tax Implications

11:37 Interesting Rules with Irrevocable Trusts

14:20 Who Fits for Revocable?

15:30 Public vs Private Records

17:15 Who fits for Irrevocable?

20:10 When to Look at Medicaid Trusts

22:26 Costs

23:17 Costs of Revocable

24:28 Costs of Irrevocable

25:18 Jim's Costs

26:45 What it Looks Like

27:49 Mortgages and Revocable vs Irrevocable

31:27 Irrevocable Life Insurance Trust (ILIT)

33:01 "Own Nothing, Control Everything"

34:52 How Jim Can Help

35:55 How Long Does it Take?

37:16 Digital vs Printing

37:57 Where to Store Trust Docs

39:38 Blooper

#EstatePlanning #TrustsExplained #RevocableTrust #IrrevocableTrust #FinancialPlanning

Using existing tax advantages when you donate to charities allows you to donate even more than you otherwise could. If giving to charities is a part of your life and your mission, there are ways outside of giving just cash that will be more beneficial to you and the charities.

Our video on above the line and below the line tax strategies:

https://youtu.be/PiGFVuAT67Q

If you'd like our help with your charitable giving or tax strategies, reach out at https://TheRetirementNerds.com

/=============================

Send me a message!

[email protected]

==========================================================

Be Sure to Subscribe to our Channel!

=============================

YouTube: @theretirementnerds

============================================================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

============================================================

⏰ TIME CODES ⏰

0:00 Introduction

0:35 Cash inefficiencies

2:55 Tax Deduction Basics

5:50 Appreciated Assets

11:41 How To Donate Stock

17:35 Intro to DAFs

20:34 Donor Advised Fund

27:42 Bunching Strategy

33:42 Best Way To Give QCD

35:16 Qualified Charitable Distributions

40:40 Business Charity Strategies

47:30 Final Thoughts

51:08 Where to Get Help

=============================

#finance #charitablegiving #taxplanning #theretirementnerds

Federal Disclaimer:

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 your options.

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved.

Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast.

Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Here is the link to mess with the Long Term Care cost calculator:

https://partner.buddyins.com/retirementnerds

Marc Glickman is the CEO of Buddy Ins and helps people all over the country plan for the four major long term care questions:

1. Where will I receive care?

2. Who will provide the care?

3. How much will it cost?

4. How will I pay for it?

Other Resources:

Free Retirement Nerds Newsletter:

https://theretirementnerds.com/newsletter/

Services:

• Medicare
• Social Security Planning
• Financial Planning
• Investment Management
• Estate Planning (Wills & Trusts)
• Long Term Care Planning

Contact us if you need help with any of these topics:

https://theretirementnerds.com/contact-us/

Connect:

LinkedIn: https://www.linkedin.com/in/eriksoderborg/

TikTok: https://www.tiktok.com/@retirementnerds

#medicare #longtermcare #longtermcareinsurance #retirementnerds #eriksoderborg #buddyins #marcglickman #retirement #retirementplanning

⏰ TIME CODES ⏰

0:00 Introduction

1:26 What is Long Term Care

3:30 Where do people get LTC

4:48 Who provides the care

6:52 Erik's Mom Story

8:10 Costs

11:30 Funding Alternatives - Medicaid

13:03 Role of the family

15:58 What to plan around?

17:55 When to address LTC

19:01 Playing with Cost Estimates

26:37 Who Doesn't Need LTC

28:52 Employer LTC Options

32:25 How LTC has changed

34:07 How to actually use the policy

35:25 Where to get help

Federal Disclaimer:

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 your options.

Are you looking for ways to reduce the taxes on your income? Zacc Call goes over tax strategies from simple to more advanced.

Schedule a free call with Zacc’s team to review your tax saving opportunities: https://theretirementnerds.com/contact-us/

Other Resources:

Free Social Security Taxability Worksheet: https://theretirementnerds.com/social-security-worksheet/

Free Money and Mind Ebook: https://theretirementnerds.com/money-mind/

Free Retirement Nerds Newsletter: https://theretirementnerds.com/newsletter/

The 7 Prosperity Projects Book: https://amzn.to/4dvxWgA

Services:

The Retirement Nerds partners help with:

Medicare

Social Security Planning

Financial Planning

Investment Management

Estate Planning (Wills & Trusts)

Long Term Care Insurance

Contact us if you need help with any of these topics:

https://theretirementnerds.com/contact-us/

Other Related Videos:

https://youtu.be/6kcQKDku7IA

https://youtu.be/giSf4ZBeWMQ

https://youtu.be/ZetbFdEqi2A

https://youtu.be/VHHNYdpVwrU

https://youtu.be/8uC1lgkZUWE

https://youtu.be/voWbWZ9tu04

Connect:

YouTube:

https://www.youtube.com/@Theretirementnerds/sub_confirmation=1

Website:

https://theretirementnerds.com/

LinkedIn:

https://www.linkedin.com/in/eriksoderborg/

TikTok:

https://www.tiktok.com/@retirementnerds

If you liked the video, please give it a "Thumbs up!" and subscribe to see more!

#Taxes #avoidtaxes #paylesstaxes #tax #retirementnerds #eriksoderborg #zacccall #capita #capitafinancialnetwork #taxplanning

⏰ TIME CODES ⏰

0:00 High Level Strategy

3:44 The Line

7:20 Tax Refund Mistake

9:16 Modified Adjusted Gross Income

15:35 More Income Control

21:15 Long Term Capital Gains

25:23 Dividend Strategy Pros & Cons

31:20 Taxable Investment Portfolios

34:26 Capital Gain Harvesting

36:25 Tax Loss Harvesting

42:41 Fund Efficiency

45:56 Asset Location Strategies

48:57 Charitable Contribution Strategies

57:59 Qualified Charitable Distribution

1:01:08 Bunching

1:02:52 Donor Advised Fund

1:09:08 Roth Conversions

1:12:10 Health Savings Accounts

1:15:12 Marginal Tax Management

1:16:58 State-Specific Strategies

1:18:43 Timing Matters

1:26:42 Where to Get Help

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable.

Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Steve Willems sat down to go through the 10 Retirement Myths he hears most when helping Canadians plan for their retirement. We compare and contrast retirement choices in Canada with those in the United States and go through general concepts of what most retirees actually experience.

Connect with Steve here:

https://willemswealthplanning.ca/

Steve's YouTube Channel:

https://www.youtube.com/@willemswealth

Some related videos from Steve:

https://youtu.be/IM8F8GGsUF0?si=IPv0lWysAy78l5Va

https://www.youtube.com/watch?v=6O2gvSF1o2M

https://www.youtube.com/watch?v=iXgZ_7Cmchs

Sources:

Retiree Expectations vs Reality

https://www.transamericainstitute.org/docs/library/research/life-in-retirement-preretirees-expectations-retiree-realities-report-september-2023.pdf?sfvrsn=58f037dc_11

Retirement spending smile concept from JP Morgan Guide to Retirement:

https://am.jpmorgan.com/us/en/asset-management/institutional/insights/retirement-insights/guide-to-retirement/?slideId=guide-to-retirement-spending/gtr-spendpartfull

Other reference material about the retirement spending smile:https://www.financialplanningassociation.org/sites/default/files/2020-09/MAY14%20JFP%20Blanchett_0.pdf

4 Phases of Retirement by Riley Moynes - TEDx Talk - https://www.youtube.com/watch?v=DMHMOQ_054U4

Phases of Retirement Book:

https://amzn.to/3Ew7ecp

Warren Buffet Letter:

https://www.berkshirehathaway.com/news/nov2524.pdf

Carl Richards Quote:

https://behaviorgap.com/perfect-today-less-wrong-tomorrow/An awesome article on the "concept of enough" - https://moretothat.com/the-many-worlds-of-enough/

Life expectancy when CPP was launched in Canada in 1966: 71.8 years old - https://www.macrotrends.net/global-metrics/countries/CAN/canada/life-expectancy

Check out our resources at https://TheRetirementNerds.com/

=============================

Send me a message!

[email protected]

==========================================================

Be Sure to Subscribe to our Channel!

YouTube: @theretirementnerds

============================================================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

============================================================

⏰ TIME CODES ⏰

0:00 Preview

0:44 Intro

2:45 Myth #1

6:23 Myth #2

10:10 Myth #3

14:32 Myth #4

19:34 Myth #5

27:48 Myth #6

32:50 Myth #7

38:11 Myth #8

43:06 Myth #9

48:26 Myth #10

53:28

#retirement #canadavsusa #financialplanning #finance

Federal Disclaimer:

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 your options.