Stephanie Pogue - Confusion to Clarity

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Stephanie Pogue - Confusion to Clarity

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Helping individuals and families navigate the complexities of Retirement Planning including Medicare insurance, Social Security claiming strategies and Long Term Care plans.

10/31/2026

🎃 Happy Halloween from all of us at St. Louis Insurance Group!

We hope your day is filled with plenty of treats, a little spooky fun, and time with family and friends.

Have a safe and fun Halloween! 👻🍬

10/23/2026

Retirement Security Week | Day 5

When it comes to Medicare, what works for someone else may not be what works for you. I hear it all the time:

“My neighbor loves their plan.”
“My sister told me which plan I should get.”
“My friend said this is the best Medicare plan.”

They may love their plan, and it may be a great fit for them. But that doesn't necessarily make it the right fit for you. Your doctors may be different. Your prescriptions may be different. Your healthcare needs, budget, and priorities may be different. That's why choosing Medicare coverage should be a personal decision based on your individual needs, not simply the plan someone else recommends. Throughout Retirement Security Week, we've talked about creating dependable income, planning for extended care, and protecting the assets you've worked hard to build. Medicare is another important piece of that retirement puzzle.

After all, you've spent years preparing for your retirement. Your Medicare coverage should fit your retirement, not someone else's. And if you're not sure which option makes sense for you, remember what we talked about at the beginning of the week: Sometimes, knowing the right questions and the right person to ask is the best place to start. We’re here to help. From Confusion to Clarity®.

10/22/2026

Retirement Security Week | Day 4

There comes a point when protecting what you've built can become just as important as building more. Kenny Rogers may have said it best:

“You got to know when to hold ’em
Know when to fold ’em.”

For most of your working life, the goal is accumulation. You save, invest and work to grow your money for retirement. But as you get closer to retirement or once you're there, the conversation begins to change.

How much risk should I still be taking?
What happens if the market drops when I need my money?
How can I protect what I've worked so hard to build while still allowing my money the opportunity to grow?

Retirement isn't necessarily the time to stop investing or eliminate all risk. It's about making sure the amount of risk you're taking still makes sense for this stage of your life. Yesterday, we talked about protecting your retirement from the potential cost of extended care. Today, it's about protecting the assets you've spent decades accumulating. Because at some point, the focus begins to shift from how much more can I accumulate? to how do I protect what I've already built? Sometimes, knowing when to protect what you have can be just as important as knowing how to build it.

10/21/2026

Retirement Security Week | Day 3

What could have the biggest impact on the retirement plan you worked so hard to build?

One expense many people don't plan for is extended care. A common misconception I hear is, “Medicare will take care of me if I need long-term care.” Medicare may cover certain short-term skilled care when specific requirements are met, but it generally does not pay for ongoing custodial care help with everyday activities like bathing, dressing, eating or getting around. That means the cost of extended care could eventually come from your income, your savings, your family, or a plan you put in place ahead of time.

Long-term care planning isn't about assuming you'll end up in a nursing home. It's about thinking ahead so that if you ever need help, you have choices about where and how you receive your care, and your family has a plan to follow.

Yesterday we talked about creating dependable income in retirement. Protecting that income and the savings you've worked hard to accumulate is another important part of retirement security. You can't predict whether you'll need extended care. But you can have a plan for what happens if you do.

10/20/2026

Retirement Security Week | Day 2

How much you’ve saved matters. But how you turn those savings into dependable income may matter even more. During your working years, you could count on a paycheck arriving regularly. In retirement, that paycheck stops, but the bills don’t. That’s why I encourage people to think beyond the size of their retirement account and ask a different question:

“Where will my income come from every month and can I depend on it?”

Social Security, pensions, retirement accounts, investments, and annuities can all play a role in creating retirement income. The goal is to understand how those pieces work together so you can cover your everyday expenses without constantly worrying about what the market is doing or whether your money will last. Having a large amount saved can certainly help. But for many retirees, knowing they have dependable income coming in each month can be just as important as the number on their account statement. Tomorrow, we’ll look at another important piece of retirement security.
Retirement isn't just about what you've saved. It's about creating a plan for how you'll live on it.

10/19/2026

National Retirement Security Week | October 19–24

This week is National Retirement Security Week, and I thought it would be a great opportunity to talk about something I’m passionate about, helping people feel more prepared for retirement. Retirement security is about much more than how much money you’ve saved. Social Security, healthcare costs, protecting your savings, planning for future care, and creating income that lasts can all play an important role. As a Retirement Planner, Registered Social Security Analyst®, Certified Long Term Care Planner® and Certified Annuity Specialist®, these are conversations I have with clients every day.

So, throughout the week, I’m going to share a tip every day of things I believe everyone should think about as they prepare for or live in retirement. You don’t have to figure everything out at once. Sometimes, knowing the right questions and the right person to ask is the best place to start. I hope you’ll follow this week. And as always, I’m here to help bring a little more clarity to retirement planning.

10/16/2026

🎙️ Podcast Alert. Turning 65? Medicare Doesn't Have to Be Confusing!

When should I enroll in Medicare? What if I'm still working? What's the difference between Medicare Advantage and a Medicare Supplement? And how do I know which plan is right for me?

These are just a few of the questions I hear from clients every day!

In this month's episode of Aging, Healthcare & Everything In Between, I'm joined by fellow Medicare Insurance Agent Jacob Summerville as we tackle some of the most frequently asked questions about Medicare.

We talk about enrollment deadlines, prescription coverage, healthcare costs, and some common mistakes that can lead to costly surprises.

Our goal isn't to make you a Medicare expert. It's to help you understand your options, know what questions to ask, and feel more confident about your decisions.

🎧 Whether you're approaching 65, still working past 65, or helping a loved one navigate Medicare, this episode is for you!

And remember, we're here to help you move From Confusion to Clarity®!

10/13/2026

"We were acquainted with Stephanie through a fellow worker who was also preparing to retire. From the 1st contact with Stephanie, we were impressed by her knowledge of the Medicare processes and helped us to select the best choices that fit our needs. She was very patient with our many questions and the process went smoothly. The next year renewal came along, and she had researched a proposed change in my wife’s drug coverage that saved us a considerable amount of money. If you want an agent that puts your needs first with a personal touch, look no further than Stephanie Pogue and the St. Louis Insurance Group."
Steve & Cyndi S.

10/08/2026

💰 Have you heard about the $90 payment for some Medicare beneficiaries? It’s real, but not everyone on Medicare will qualify. There are a few important requirements that determine who will receive it. In this short video, I break down who may qualify, who won’t, and how the $90 will be paid. It is a one time payment on or around October 8th, 2026.

If you have questions about what this means for you? We’re here to help! 🤳 636-778-2999

09/29/2026

📬 Don’t toss that Medicare mail aside!

Your Annual Notice of Change (ANOC) is one of the most important pieces of Medicare mail you’ll receive each year. It explains what is changing with your Medicare Advantage or Part D plan for the upcoming year, including costs, benefits, provider networks, and prescription drug coverage. Even if you’re happy with your current plan, don’t assume everything will stay the same.

Take a few minutes to read your ANOC when it arrives. Then, schedule your Annual Medicare Review with me so we can go over the changes together and make sure the coverage still fits your needs.

And remember, we’re here to help. A little time reviewing your plan now can help prevent surprises in January. 636-778-2999

Address

Chesterfield, MO
63017

Telephone

+16367782999

Website

http://StephaniePogue.com/

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