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Kimberly Penny, KP Insurance Services

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Kimberly Penny, KP Insurance Services

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Helping individuals and families navigate retirement with clarity, confidence, and strategies designed to protect income, prepare for healthcare costs, and preserve the legacy they’ve worked hard to build.

06/05/2026

Somewhere around age 64½, Medicare suddenly becomes your part-time job.

Everyone has an opinion.

Your neighbor. Your cousin. The guy at the gym. The lady at church.

And somehow you're supposed to know who's right.

Before you listen to everybody else, learn how Medicare actually works.

You don't have to go it alone, check out my free Medicare overview video.

Comment 𝙑𝙄𝘿𝙀𝙊 to watch now!

06/03/2026

Still working but thinking about claiming Social Security early?

What many people don’t realize is your benefits can be temporarily reduced if you claim before full retirement age and continue working over the income limit.

Before you make a decision at 62, make sure you understand how the earnings limit actually works.

Retirement planning is more than just filing for benefits — timing matters.

05/27/2026

Why IS Medicare so confusing?

Most people turning 65 suddenly get flooded with:

• mail
• phone calls
• plan options
• deadlines
• and conflicting information

So we created a simple conversation to break it down in plain English.

Comment “VIDEO” or “MEDICARE” for instant access to the free 15-minute Medicare video.

Retirement MedicareEducation Insurance SeniorHealth RetirementLifestyle

05/25/2026

Honoring the courage, strength, and sacrifice of the men and women who served our country with bravery. 🇺🇸

This Memorial Day, we remember the heroes whose legacy continues to inspire generations.

Wishing everyone a safe and meaningful Memorial Day weekend.

— KP Insurance Services

05/06/2026

A lot of people argue you should take Social Security early because “what if you’re not healthy enough to enjoy it later.”

Fair point.

But that logic assumes Social Security is meant to fund your healthiest years.

It is not.

Social Security was designed to provide income for the years you may need it most — later, when working is harder, healthcare is more expensive, and your ability to recover from financial mistakes is smaller.

Taking it early because you 𝘮𝘪𝘨𝘩𝘵 not make it later may feel practical.

But taking less income now can also mean having less income when retirement gets harder.

That is the part people leave out.

And that is why income planning matters.

Not just claiming early because it feels safer.
Not just waiting because someone said you should
Income planning is a strategic decision.
And good retirement income does not "happen by happenstance".

It Happens By Strategy

RetirementEducation RetireWithConfidence PreRetirement KPInsuranceServices

04/27/2026

Most people were taught
how to grow money.

Almost no one was taught
𝗵𝗼𝘄 𝘁𝗼 𝘁𝘂𝗿𝗻 𝗶𝘁 𝗶𝗻𝘁𝗼 𝗶𝗻𝗰𝗼𝗺𝗲

And that
𝗶𝘀 𝘁𝗵𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲.

Investment planning
is about building wealth.

Retirement planning
𝗶𝘀 𝗮𝗯𝗼𝘂𝘁 𝗺𝗮𝗸𝗶𝗻𝗴 𝗶𝘁 𝗹𝗮𝘀𝘁.

Two different strategies.
Two different conversations.

One is about growth.

The other is about
income,
taxes,
risk,
and what happens
when the paycheck stops.

Because getting to retirement
and getting through retirement
𝗮𝗿𝗲 𝗻𝗼𝘁 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘁𝗵𝗶𝗻𝗴

And if your plan only focuses on growth
but not what happens next...

𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗵𝗮𝘃𝗲 𝗮 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻.
𝗬𝗼𝘂 𝗵𝗮𝘃𝗲 𝗮𝗻 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁.

𝙋𝙧𝙤𝙩𝙚𝙘𝙩𝙞𝙣𝙜 𝙄𝙣𝙘𝙤𝙢𝙚. 𝙋𝙧𝙚𝙨𝙚𝙧𝙫𝙞𝙣𝙜 𝙇𝙚𝙜𝙖𝙘𝙮.

04/23/2026

Retirement should feel secure…
until the storm hits. 🌪️

Market risk doesn’t just affect investments—
it affects your income and your growth.

Some people don’t need income yet—
they want protected growth without the ups and downs of the market.

Others need to turn their savings into reliable income that lasts.

And many want all three:

~growth, protection, and income.

That’s why there’s no one-size-fits-all plan. You don’t fight the storm…

~you shield against it.

Protecting Income. Preserving Legacy.

◇ Want to see if your plan is built to withstand the storm?

03/16/2026

One of the biggest concerns retirees have is making sure their income lasts.

Certain retirement strategies are designed to provide income you cannot outlive, helping create a stable foundation for essential expenses like housing, food, and healthcare.

When income planning, principal protection, and thoughtful investment strategies work together, retirement can become less about uncertainty and more about confidence.

Every retirement plan should be personalized.

If you'd like to explore how these strategies might fit into your own retirement plan, I welcome the opportunity to connect.

03/15/2026

Many people approaching retirement don’t realize how much market risk they may still be carrying.

One concept worth understanding is "Principal Protection".

Principal protection means your original investment is not exposed to market losses. When markets decline, protected assets remain stable.

For many retirees, having a portion of their portfolio positioned this way can help reduce volatility and provide greater confidence during uncertain markets.

In the next video, we’ll discuss another important concept: "Guaranteed Income".

10/18/2025

What's New! 2026 Medicare Annual Enrollment

》Part B Premium ecoected to increase to $206.50, from 2025 $185

💊The out-of-pocket cap for prescriptions will increase slightly — from $2,000 to $2,100.
Once you hit that cap, you won’t pay anything more for covered drugs the rest of the year.

》Part D drug deductibles may rise too.

‼️ Good news! There’s a new Prescription Payment Plan — letting you spread your drug costs monthly instead of paying all at once at the pharmacy.

• Some Medicare Advantage and Part D plans are being dropped or changed by insurance companies.
⚠️ That means you may need to review and/or switch your plan during Open Enrollment (Oct 15 – Dec 7).

• In certain states, Traditional Medicare will start requiring prior approval for some services — so make sure your provider checks before scheduling care.

💬 Why does this matter? Because higher premiums and fewer plan choices can really impact anyone living on a fixed income or relying on consistent coverage.

🗓️ So here’s what to do:

Review your current plan now.

Compare 2026 options during enrollment.

Watch for letters from your plan — don’t ignore them!

Ask questions and get help if you’re unsure.

💡 Medicare is changing, but you don’t have to figure it out alone. Stay informed, stay prepared — and I’ll keep sharing updates as they come.

Address

Corona, CA
92882

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://kpinsuranceservices.com/

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