Novera Financial Group

01/06/2026

A new year is the perfect time for a financial reset. 🌱 Need help? Reach out and we can make a plan on how you can start 2026 on a smarter financial foot!
www.noverafinancial.com
👉In Pittsburgh 412-406-7166
👉In Ebensburg 814-419-8424

12/25/2025

Wishing you peace and joy this Christmas Day. Merry Christmas!

12/15/2025

Wishing you light and love this Hanukkah

12/04/2025

Last call…. The Medicare Annual Enrollment period ends on December 7th. Did you review your plan changes?

11/19/2025

Our retirees need our local pharmacies!

Lots of drugstores have closed in recent years, but few have drawn the kind of public outcry stirred up by a small pharmacy chain born here where coal was once king.

A pocket of rural Pennsylvania is pushing back against Corporate America, with more than 500 people joining a federal lawsuit in Pittsburgh that seeks to keep an independent drugstore chain from going out of business.

The line in the sand was a decision by St. Louis-based Express Scripts Inc., allegedly in cooperation with Highmark and UPMC Health Plan, to cut Martella Pharmacies from its network, ending the discounts that insured members receive when filling prescriptions.

Read more: https://www.post-gazette.com/business/healthcare-business/2025/11/19/martella-pharmacy-rural-closure-express-scripts/stories/202511170077

11/11/2025

Thank you to all the brave men & women who served our great nation. Happy Veterans Day🇺🇸🦅

11/07/2025

We get asked about IRMAA a lot. Most retirees have never heard of it until the IRMAA assesment comes in the mail.
IRMAA is a surcharge added to your Medicare Part B & Part D and can really be a nasty surprise if you weren't expecting it 🤬
🔹IRMAA is determined by your modified adjusted gross income (MAGI) from your last available tax return. (usually 2 years ago)
🔸If you are assessed an IRMAA for 2026, it will be due to your tax return fro 2024.
🔹Without proper income planning, IRMAA can sneak up on you and dramatically increase the premiums you pay for Medicare.
Want to know how you can avoid (or at least minimize) the impact of IRMAA on your retirement? We can help!
www.noverafinancial.com

11/06/2025

Ladies, This one is for you 💅
We know that wealth isn't just about numbers - it's about freedom, security & confidence in your decisions.
That's why we created HER WEALTH by Novera: A place where women can learn, grow & take control of their financial future.
✨Check out HER WEALTH by Novera
https://www.noverafinancial.com/her-wealth-by-novera/index.html

10/31/2025

10/27/2025

📢Your COLA for 2026 is 2.8%

Social Security is one of the few retirement income sources with built in inflation protection. But is it enough?
Next year’s Medicare Part B premium is expected to rise 11.6% to $206.50

BREAKING! 75 million Americans will get a 2.8 percent increase in monthly Social Security benefits and SSI payments in 2026. Check our blog for more information: blog.ssa.gov/social-security-announces-benefit-increase-for-2026.

10/23/2025

Did you know that you may be eligible to collect a Social Security benefit based on your spouses record?
Spousal benefits are up to 50% of the higher-earning spouse's full benefit. This creates a unique planning opportunity for spouses to coordinate their benefits in a strategy that optimizes Social Security income for the life of BOTH spouses.
You've spent your working life paying into Social Security. Now it's time to make it work for you.

www.noverafinancial.com

10/21/2025

The HSA (Health Savings Account) is one of the most tax efficient ways to save money. LOVE that triple tax benefit!! But if you're eligible for Medicare, you need to be clear on the rules so you can avoid a 6% IRS penalty
➡️You must stop contributing once you enroll in Medicare.
➡️If you enroll in Medicare after age 65, Medicare Part A will be back-dated 6 months. So you would need to stop HSA contributions 6 months before you plan to enroll to avoid the penalty.
If you want to keep contributing to your HSA account, but aren't sure how to navigate the rules. We can help!
www.noverafinancial.com