45 Forward #249 - The 3-Legged Stool of Retirement Security Medicare, Social Security & Wealth Planning

45 Forward #250 - Everyone Has a Book in Them. Here’s How to Finally Write Yours

What happens when a daughter launches a publishing company… and her 82-year-old mother becomes her indispensable right hand? In this heartfelt and surprisingly funny episode, Ron sits down with Stephanie Larkin, founder of Red Penguin Books, and her mother Christine Rogeri, an 82-year-old tech-savvy powerhouse who helps run the business — publishing books, managing websites, wrangling social media, and breaking stereotypes every step of the way. Stephanie shares the unusual origin story behind Red Penguin Books — from a nonprofit crisis to coloring penguins red with a Sharpie — and how her company helps aspiring authors bring their book dreams to life. Christine talks about joining the company later in life, mastering new technology, and proving that “80 is the new 60.” This episode explores: * Reinventing yourself at any age * The joys and challenges of running a family business * The deeply personal process of helping authors become published * The power of creativity, community, and purpose in later life A warm, funny, inspiring conversation that reminds us: it’s never too late to start a new chapter. Become a supporter of this podcast: https://www.spreaker.com/podcast/45-forward--6550893/support [https://www.spreaker.com/podcast/45-forward--6550893/support?utm_source=rss&utm_medium=rss&utm_campaign=rss].

45 Forward #249 - The 3-Legged Stool of Retirement Security Medicare, Social Security & Wealth Planning

In this eye-opening conversation, Ron Roel sits down with Joe Battaglia, CEO of Senior Services of North America, to demystify one of the most confusing challenges facing Americans today; how to navigate Medicare, Social Security, and retirement planning together. Joe reveals how a simple postcard led him to build a national organization devoted to helping seniors make smarter decisions about their healthcare and financial futures. From understanding open enrollment and avoiding costly Medicare mistakes to optimizing Social Security and protecting your savings from market volatility, Joe breaks it all down with clarity, compassion, and humor. If you’ve ever asked yourself, “Am I really ready for retirement?”, this episode will give you the roadmap to get there. Topics include: * The origin of Senior Services of North America and Joe’s postcard story * Why healthcare costs are the #1 cause of bankruptcy in America * Understanding the “Three-Legged Stool” of retirement: Medicare, Social Security, and financial planning * How to avoid being overcharged or left uncovered during open enrollment * The importance of reviewing your Medicare plan every year * How to optimize your Social Security payout (and why waiting can mean tens of thousands more) * Protecting your retirement savings from downturns through diversification and fixed index annuities * The power of planning early — even before you hit 50 Guest: Joe Battaglia, CEO, Senior Services of North America Website: seniorservicesofnorthamerica.com Call Joe directly: 888-230-2199 or 516-884-2238 🎧 Hosted by: Ron Roel Visit 45Forward.org for all past episodes and resources. Become a supporter of this podcast: https://www.spreaker.com/podcast/45-forward--6550893/support [https://www.spreaker.com/podcast/45-forward--6550893/support?utm_source=rss&utm_medium=rss&utm_campaign=rss].

45 Forward #248 - Aging in Community,The Future of Independent Living

What if aging didn’t mean slowing down — but stepping into a richer, more connected phase of life? In this episode, host Ron Roel sits down with Stu Almer, President & CEO of the Gurwin Healthcare System, to explore how Life Plan Communities like Fountaingate Gardens are redefining retirement living. Stu explains how Gurwin’s “continuum of care” model helps older adults live independently today while being fully supported for tomorrow — combining vibrant community life with peace of mind. Together, they discuss: * The difference between independent living, assisted living, and continuing care. * How Fountaingate’s “Type A” and “Type B” contracts work. * Why social connection, purpose, and belonging are as vital as healthcare. * How Gurwin maintains exceptionally low staff turnover and a culture of caring. * The coming wave of innovative retirement communities — and what families should plan for now. A must-watch for anyone exploring aging options for themselves or loved ones. Learn more: 45Forward.org [https://45forward.org] | Gurwin.org [https://gurwin.org] | FountaingateLI.org Become a supporter of this podcast: https://www.spreaker.com/podcast/45-forward--6550893/support [https://www.spreaker.com/podcast/45-forward--6550893/support?utm_source=rss&utm_medium=rss&utm_campaign=rss].

45 Forward #247 - How Older Workers Can Compete, and Thrive, in the AI Era

Fighting Age Bias and Finding Purpose in the Second Half of Life In this inspiring conversation, career strategist Mike Dwyer, founder of Implana Career, joins host Ron Roel to talk about how older professionals can fight back against job loss, overcome age bias, and rediscover meaning in their work. Mike shares how a single favor—helping a friend with a résumé—grew into a mission to help hundreds of seasoned professionals reinvent themselves. From creating a personal board of advisors to mastering topical networking and embracing new technologies like AI, Mike outlines practical, realistic strategies for thriving in today’s job market—at any age. Whether you’re retired and restless, looking to pivot careers, or simply searching for renewed purpose, this episode will motivate you to take action and move 45 Forward. Watch now and learn how to reimagine your work, rebuild your network, and reignite your sense of purpose. Become a supporter of this podcast: https://www.spreaker.com/podcast/45-forward--6550893/support [https://www.spreaker.com/podcast/45-forward--6550893/support?utm_source=rss&utm_medium=rss&utm_campaign=rss].

45 Forward #246 - Aging in Place

Aging at home is what most people want — but few families understand what it really takes. In this powerful episode of 45 Forward, Ron talks with Zubin Kapadia, CEO of Right at Home North Shore on Long Island, about the realities of home care—from preparing the house and the family to choosing the right agency, understanding costs, caregiver expectations, and the critical role of dignity, safety, and long-term planning. Zubin also reveals his Caregivers’ Advancement Fund, a unique nonprofit initiative that supports and uplifts professional caregivers through education and emergency assistance — a model that could change the future of elder care. Whether you’re caring for a parent, planning for your own future, or navigating the healthcare maze after a crisis, this episode delivers real clarity, compassion, and direction. Topics include: • Types of home care & what Medicare really covers • When families should start planning (hint: before crisis) • Signs a loved one needs more support • Key questions to ask before hiring an agency • Family roles, dignity, and boundaries • Training, culture, and shortages in caregiving • How tech like telehealth & fall detection fits in • The coming caregiving crisis — and solutions Guest Info: Right at Home North Shore, Long Island 📞 516-513-1070 🌐 RAHLongIsland.com Watch all episodes and subscribe at 45Forward.org Become a supporter of this podcast: https://www.spreaker.com/podcast/45-forward--6550893/support [https://www.spreaker.com/podcast/45-forward--6550893/support?utm_source=rss&utm_medium=rss&utm_campaign=rss].