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Topic: Medicare

Frazier Allen: Can Taxes Scramble Your Nest Egg?

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – When it comes to retirement planning, we typically tally up our daily expenses – housing, transportation, utilities, food, insurance, healthcare, entertainment – and budget accordingly for enough income to cover those wants and needs.

But we may not factor in an annual expense we can’t avoid: taxes. One reason may be that our complex tax code treats various sources of retirement income differently, so it can be hard to estimate what you’ll have after taxes using back of-the-envelope calculations.

Proactive tax planning can help your retirement income last longer.

Proactive tax planning can help your retirement income last longer.

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Frazier Allen: Your Retirement Plan B

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – Imagine this. You’ve spent decades working, saving and planning for your version of the ideal retirement.

But life decides to throw a little kink into your plans. Your company was just acquired, and your boss is now strongly encouraging you to take an early retirement – five years before you’re ready.

Take the time to design an alternative retirement plan should retirement come earlier than expected.

Take the time to design an alternative retirement plan should retirement come earlier than expected.

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Frazier Allen: Creating the Financial Plan for Those with Dementia

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – These five topics cover distinct financial-management issues and caregiving plans. Ideally, you will have these conversations with your loved one and that person’s financial advisor in the mild decline stage of Alzheimer’s, or even before the diagnosis.

If the disease has progressed beyond this period, you—or the designated power of attorney—may need to have these discussions solely with the advisor. It is important for you and the advisor to understand the source and destination of your loved one’s finances so you can help when the individual may no longer be able to communicate his or her wishes.

Alzheimer’s disease

Alzheimer’s disease

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Clarksville Weekly Market Snapshot from Frazier Allen for the week of May 10th, 2016

 

F&M Investment Services - Raymond James - Clarksville, TNClarksville, TN – The economic data were mixed, but generally consistent with moderately strong economic growth in the near term. Motor vehicle sales rebounded in April, from what appears to have been an Easter-related decline in March.

The ISM surveys split; manufacturing a bit softer, non-manufacturing a bit stronger. Nonfarm payrolls rose by 160,000 in the initial estimate for April, below the median forecast (+200,000), but not horrible (note that the economy added 1.057 million jobs before seasonal adjustment).

Frazier Allen

Frazier Allen

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Frazier Allen: Beware of Costly Surprises in Retirement

 

F&M Investment Services - Raymond JamesClarksville, TN – Achieving a successful retirement requires not only planning for what you want to go right, but also for what might go wrong.

Many investors have found that retirement can bring on unwelcome surprises, some of them significant enough to derail a retirement plan.

Healthcare Costs: Expert estimates of what a couple spends during retirement for healthcare range from $400,000 to well over $1 million.

Planning ahead can help you get the jump on some of these surprise costs.

Planning ahead can help you get the jump on some of these surprise costs.

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American Heart Association reports Women, Men with Heart Failure both benefit from Implanted Defibrillators

 

American Heart Association Rapid Access Journal Report

American Heart AssociationDallas, TX – Women with heart failure benefit from implantable cardiac defibrillators as much as men, according to new research in Circulation: Heart Failure, an American Heart Association journal.

“Despite current guidelines recommending that health practitioners consider adding these devices to standard heart failure treatments in both women and men, women with heart failure have been less likely to receive defibrillators. These new data reinforce the existing gender-neutral guidelines,” said Emily Zeitler, M.D., lead author of the study and a cardiology and research fellow at the Duke Clinical Research Institute in Durham, North Carolina.

Heart Illustration. (American Heart Association)

Heart Illustration. (American Heart Association)

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Tennessee Consumer Affairs gives Identity Theft Prevention Tips for Seniors

 

Tennessee Division of Consumer AffairsNashville, TN – The Tennessee Department of Commerce and Insurance’s (TDCI) Consumer Affairs Division is warning senior adults to be diligent in avoiding scams.

Tennesseans are encouraged to take time during holiday visits to ensure senior relatives and neighbors are equipped to protect themselves against identity fraud.

Identity Theft «Read the rest of this article»

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American Heart Association reports Social and Practical Barriers keep Heart Failure Patients from benefits of Exercise Therapy

 

American Heart Association Rapid Access Journal Report

American Heart AssociationDallas, TX – Although supervised aerobic physical activity is a proven therapy for heart failure patients, lack of social support and practical barriers such as lack of transportation, keep many patients from benefitting from cardiac rehab programs, according to new research in Circulation: Heart Failure, an American Heart Association journal.

Yoga

Yoga

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American Heart Association Pleased New CDC Study Shows More U.S. Adults are Putting Out Cigarettes for Good

 

But prevalence among uninsured and those on Medicaid raises concern

American Heart AssociationWashington, D.C. – American Heart Association CEO Nancy Brown issued the following comments on a study by the Centers for Disease Control and Prevention (CDC) published in today’s Morbidity and Mortality Weekly Report (MMWR).

The study, which examined 2014 National Health Interview Survey (NHIS) data, noted that overall adult smoking rates dropped a full percentage point between 2013 and 2014. It also reported on differences in U.S. smoking rates, including that uninsured adults or those insured through Medicaid smoke at rates twice as high as those covered by private health insurance or Medicare:

Farmers' market produce stand showing assorted fruits and vegetables. (American Heart Association)

Farmers’ market produce stand showing assorted fruits and vegetables. (American Heart Association)

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Nashville Zoo Senior Day to be held Wednesday, October 7th

 

Enjoy Free Admission to the Zoo Courtesy of Cigna-HealthSpring

Nashville ZooNashville, TN – Older adults are invited to enjoy free admission at Nashville Zoo courtesy of Cigna-HealthSpring, Wednesday, October 7th. Adults ages 65 and older will receive a complimentary Zoo admission, parking validation and a $5.00 concessions voucher.

Senior Day activities will take place throughout the Zoo from 9:00am to 4:00pm. The young and young-at-heart can enjoy special keeper talks, rides on the Wild Animal Carousel and interactive encounters with outreach animals along the Zoo paths. Additionally, Cigna-HealthSpring and several of its local partners will be on hand at the centrally-located Jungle Terrace area to provide educational materials, offer wellness information and answer questions.

Nashville Zoo Senior Day. (Amiee Stubbs)

Nashville Zoo Senior Day. (Amiee Stubbs)

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