Retire Well with Kelly Racicot

Episode 43 New Retirement Rules For 2025

On this episode, Kelly talks about some new retirement account rules that take effect for 2025. Whether you’re still working or retired you’ll want to be aware of how some of these new rules might impact you’re your retirement income planning. Interesting Reads USNews.com: What Is The Secure Act [https://money.usnews.com/money/retirement/iras/articles/what-is-the-secure-act] Investopedia.com What is the Secure Act and How It Could Affect Your Retirement [https://www.investopedia.com/what-is-secure-act-how-affect-retirement-4692743] Kiplinger.com: Secure Act 2.0 Summary [https://www.kiplinger.com/retirement/bipartisan-retirement-savings-package-in-massive-budget-bill]  Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com [http://www.yourhrsagent.com/]  Get in touch Email info@yourhrsagent.com [info@yourhrsagent.com] or call 814-419-8424  Connect on Social www.facebook.com/yourhrsagent [http://www.facebook.com/yourhrsagent] www.instagram.com/yourhrsagent.com [http://www.instagram.com/yourhrsagent.com] https://www.linkedin.com/in/kelly-racicot-697ab954 [https://www.linkedin.com/in/kelly-racicot-697ab954] Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us @yourHRSagent.com All rights reserved.

Episode 42 What is Holistic Planning and Why Your Retirement Needs It

A successful retirement plan should focus on more than just managing your financial accounts. This week we dive into holistic planning. What does mean? And how not taking a holistic approach to your retirement plan can lead to unexpected and often unnecessary expenses. Interesting Reads ss.gov: Taxes and your Social Security Benefit [https://www-origin.ssa.gov/benefits/retirement/planner/taxes.html] Kiplinger.com: Why a Good Retirement Plan Isn’t Separate Pieces [https://www.kiplinger.com/retirement/retirement-planning/605196/why-a-good-retirement-plan-isnt-separate-pieces-but-a] Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com [http://www.yourhrsagent.com/]  Get in touch Email info@yourhrsagent.com [info@yourhrsagent.com] or call 814-419-8424 Connect on Social www.facebook.com/yourhrsagent [http://www.facebook.com/yourhrsagent] www.instagram.com/yourhrsagent.com [http://www.instagram.com/yourhrsagent.com] https://www.linkedin.com/in/kelly-racicot-697ab954 [https://www.linkedin.com/in/kelly-racicot-697ab954]  Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us online @yourHRSagent.com

Episode 41 Avoiding Scams That Target Retirees

On this Halloween edition of Retire Well, we’re shining a light on the frightening world of scams that target retirees. From too good to be true offers to tech savvy schemes, we’ll help you to avoid being tricked and protect your finances. Interesting Reads USA.gov How To Place or Lift a Freeze on Your Credit [https://www.usa.gov/credit-freeze] Consumer.ftc.gov: Free Credit Report [https://consumer.ftc.gov/articles/free-credit-reports]  Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com [http://www.yourhrsagent.com/]  Get in touch Email info@yourhrsagent.com [info@yourhrsagent.com] or call 814-419-8424  Connect on Social www.facebook.com/yourhrsagent [http://www.facebook.com/yourhrsagent] www.instagram.com/yourhrsagent.com [http://www.instagram.com/yourhrsagent.com] https://www.linkedin.com/in/kelly-racicot-697ab954 [https://www.linkedin.com/in/kelly-racicot-697ab954] Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us on line @yourHRS agent.com All rights reserved

Episode 40 Phase 2 of Retirement Planning

When we think about retirement planning, we generally think about saving and investing for our future. But that’s only the beginning. It’s crucial to give proper thought to what’s next. On this week’s episode Kelly dives into how to manage your nest egg and protect yourself from some common mistakes. Take our risk tolerance quiz https://thefinancialhq.com/yourhrsagent.com [https://thefinancialhq.com/yourhrsagent.com] Interesting Reads Fidelity.com: How to Plan For Rising Healthcare Costs [https://www.fidelity.com/viewpoints/personal-finance/plan-for-rising-health-care-costs] Kiplinger.com: Threats to the Distribution Phase of Retirement [https://www.kiplinger.com/retirement/threats-to-the-distribution-phase-of-retirement]  Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com [http://www.yourhrsagent.com/]  Get in touch Email info@yourhrsagent.com [info@yourhrsagent.com] or call 814-419-8424 Connect on Social www.facebook.com/yourhrsagent [http://www.facebook.com/yourhrsagent] www.instagram.com/yourhrsagent.com [http://www.instagram.com/yourhrsagent.com] https://www.linkedin.com/in/kelly-racicot-697ab954 [https://www.linkedin.com/in/kelly-racicot-697ab954] Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us online @yourHRSagent.com All rights reserved.

Episode 39 Big Changes Coming To Your Healthcare Plan

The Inflation Reduction Act is making a BIG impact on Medicare prescription drug plans in 2025. This week Kelly shares how this legislation affects Medicare and if you’re over 65 how your employer plan may be impacted.  Interesting Reads CMS.gov Medicare Prescription Payment Plan [https://www.cms.gov/inflation-reduction-act-and-medicare/part-d-improvements/medicare-prescription-payment-plan] Forbes.com What to Do if the $2000 cap jeopardizes your employer coverage [https://www.forbes.com/sites/dianeomdahl/2024/08/15/what-to-do-if-the-2000-cap-jeopardizes-your-employer-drug-coverage/] Healthinsurance.org Obamacares Subsidy Cliff Eliminated Through 2025 [https://www.healthinsurance.org/obamacare/beware-obamacares-subsidy-cliff/] Medicare.gov Avoid Late Enrollment Penalties [https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties] Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com [http://www.yourhrsagent.com/]  Get in touch Email info@yourhrsagent.com [info@yourhrsagent.com] or call 814-419-8424 Connect on Social www.facebook.com/yourhrsagent [http://www.facebook.com/yourhrsagent] www.instagram.com/yourhrsagent.com [http://www.instagram.com/yourhrsagent.com] https://www.linkedin.com/in/kelly-racicot-697ab954 [https://www.linkedin.com/in/kelly-racicot-697ab954] Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us online www.yourhrsagent.com All rights reserved