Boyter Financial Services

10/01/2023

Before Medicare open enrollment begins later this year, we wanted to share the pros and cons of Medicare Advantage plans and Medicare supplemental (Medigap) plans. They're both great options, but one may work better for you. Let's dive into the key differences 🩺

I know it's a lot to take in, so review these details and drop us any questions that come up.

09/10/2023

Mark your calendars: September 10th is National Grandparents' Day, a day dedicated to recognizing and valuing the generations that came before us! 💝

On this day, we celebrate the lasting love and wisdom that grandparents bring to our families. Take today as an opportunity to honor and appreciate your family, give someone an extra tight squeeze, or simply let them know how much they mean to you.

As a medicare agency, we recognize the significance of safeguarding what matters most to you. We are here to help you get the right coverage to keep you and your loved ones safe and secure. 💖

Share a cherished memory with your grandparents in the comments below!

09/04/2023

As we honor the contributions of workers and pause for a little R&R this Labor Day, we want to thank our wonderful clients, colleagues, and professional network for being with us on this journey.

It's because of your trust and support that we’re able to do what we love and make a small difference in the lives of others.

Once again, thank you — and Happy Labor Day to all ❤️ 🤍 💙

08/29/2023

Ever wonder if you can fill the gaps in your Medicare coverage? You can with Medigap! 🛡️ Also known as Medicare Supplement Insurance, Medigap helps with those remaining costs after your Medicare coverage steps in.

Here's what Medigap can assist with:

🔹 Copays
🔹 Deductibles
🔹 Coinsurance costs
🔹 Services not covered by original Medicare

To qualify for Medigap, you need to meet specific criteria:

✅ Enrolled in Medicare Part A and B
❌ Not enrolled in a Medicare Advantage Plan
✅ Keep paying your premium to maintain your Medigap policy

⚠️ Keep in mind, Medigap doesn't cover long-term care, hearing aids, vision care, dental, or prescription drugs ⚠️

Timing is key with Medigap! You usually have six months to purchase it after enrolling in Medicare Part B, without a medical exam. However, this may vary by state.

If you have any questions, we’re here to assist. Remember, different insurers add extra benefits to their policies, so comparing your options is essential 🤝

07/18/2023

Hey folks! Just a friendly reminder to start thinking about your future and plan for retirement.. Start investing in yourself and your future. Take small steps today to secure a better tomorrow.

07/09/2023

Did you know that today, July 9th, is Collector Car Appreciation Day? It’s true!

This day celebrates the hobby of car restoration and collecting 🚗 and is the perfect time for a reminder that classic cars need different insurance than your average car.

This is for two main reasons:

✅ They’re driven less frequently

✅ They’re much harder to repair due to dated and rare parts

If you’ve got a classic car and don’t have the specialized insurance it requires, feel free to get in touch!

Now, for the question we’ve been debating around the office: What is the ultimate classic car? Share your pick in the comments below!

07/04/2023

This July 4th, we want to take a moment to recognize the heroes who have fought and died for the freedoms we so often take for granted in our nation ❤️🤍💙

It is because of them that we have the privilege to live and work in a country that values honor, freedom, hard work, innovation, and entrepreneurship. We hope that everyone has a fun and safe day, and don’t forget to thank a service member if you see one.

Keep in mind our team is out of office Tuesday, July 4. Should you have needs or questions, feel free to reach out, and we’ll get back to you upon our return!

06/18/2023

Happy Father’s Day to all of the dads in our network 🎉In honor of the unique humor dads bring, we thought we’d share a few of our favorite dad jokes (or, as we like to say, dadlibs!)

Do you have a favorite dad joke? We’d love to hear – add it in the comments ⬇️

06/12/2023

06/07/2023

Interest rates are climbing, and that actually means larger annuity payouts! Here’s inflation’s impact on 4 types of annuities:

✔️ Single Premium Immediate Annuity: If rates are high when you buy an SPIA, you will typically see a higher rate of return.

✔️ Multi-Year Guaranteed Annuity: Interest rates directly impact MYGAs, since they provide a set interest rate for a specific period of time.

✔️ Fixed Index Annuity: If you own a fixed index annuity designed for growth, interest rates can have a significant effect. Interest rates will have less impact if you have a fixed index annuity with an income rider.

✔️ Variable Annuity: Because a variable annuity is directly invested in the market, interest rates can indirectly affect your variable annuity assets.

If you’re not sure which annuity is right for you, I’m happy to give you step-by-step guidance. Either comment your question or reach out to me – we’ll figure out how to make your money work for you together!

05/29/2023

On this Memorial Day, we wanted to take a moment to honor the fallen soldiers who fought bravely for our country’s freedoms. Their sacrifices will not be forgotten, and our hearts go out to the loved ones they left behind.