Shaffer & Associates; Medicare & More

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Shaffer & Associates; Medicare & More

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Helping individuals & families navigate aging and retirement.

Long-Term Care Planning • Medicare • Social Security • Veterans LTC Funding • Affiliate Partner with Macro Planning Group for retirement planning & investment advice.

10/28/2026

Earlier, I reported that most companies were not covering brand name XARELTO for 2027.

Good news! They are quietly adding it back into many companies lists of covered drugs.

It’s typically a tier 3 drug, which is expensive.

If you already changed your drug plan, you can still change it again as many times as necessary before the December 7 deadline.

💥💥 if you do want brand name Xarelto, you might want to WAIT a few more weeks before it shows up on the updated list of drugs covered by all the insurance companies.

10/23/2026

Medications-Premiums-Deductibles-Co Pays-Pharmacy ALL IMPACT YOUR COSTS!

10/22/2026

Beau Beau would probably love this bread!

10/20/2026

Part D Drug Plans are CHANGING Again!

10/20/2026

Medications-Pharmacy-Deductible-Premium-Co Pays
ALL IMPACT your COSTS!

10/19/2026

Online wills sound easy, but there is always a catch.

The surge in DIY estate planning software promises a cheap, 15-minute fix. But relying purely on automated forms often leaves families exposed to gaps they didn't know existed.

The Probate Trap: Many online platforms push basic wills as the ultimate solution. What they rarely emphasize is that a will still goes through probate—a public, often lengthy court process. Avoiding probate entirely usually requires a comprehensive plan that includes a trust.

The Ex*****on Gap: Software provides a blank form, but zero operational support. Users frequently abandon the process because they get stuck on unfamiliar terminology and have no real person to help them navigate the workflow.

You don't always need a high-priced attorney to build a secure plan, but you do need more than an algorithm. A hybrid approach bridges this gap by combining professional tools with structural support.

Attorney-Drafted Documents: Utilizing top-tier, attorney-drafted estate planning documents ensures structural integrity of a plan, without the traditional hourly legal fees.

A Real Human Guide: While non-attorneys cannot give legal advice or make choices for you, a human guide acts as a project manager. They walk you through the data-gathering process step-by-step and answer operational questions so you never have to guess what comes next.

Comprehensive Plans: Moving away from a single document to a complete plan built around a trust, helps families avoid probate.

Technology is excellent at creating efficiency, but estate planning still requires a personal touch to ensure the details aren't lost in an automated system. Building a legacy shouldn't mean figuring it all out alone.

Send us a message to see how simple our estate plan process can be!

10/19/2026

One of the biggest surprises high earners and business owners face after a record-breaking year? The size of their tax bill.

When your income jumps—especially past $500k—or when you sell real estate or a business, standard tax prep simply can't keep up. Basic deductions only go so far when you’re dealing with top-tier brackets and capital gains.

When your income increases, your strategy HAS to increase too.

Tax mitigation isn't about finding unethical shortcuts at the last minute. It’s about taking a step back, looking at the big picture, and aligning your business structure, investments, and timing, legally, so you aren't overpaying.

If you had a high-income year or a major exit is on the horizon, let’s make sure your plan matches your growth.

👇 Send us a direct message or leave a comment, and let's review your options before year-end!

Disclaimer: Content is for educational purposes only and does not constitute formal tax, legal, or accounting advice. Always consult with a qualified CPA or licensed tax professional regarding your specific situation.

10/16/2026

Did a LIFE EVENT Trigger IRMAA for You?

10/15/2026

Plan Ahead to Reduce IRMAA Charges!

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Enterprise, OR
97828

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https://www.selinashaffer.com/

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