Kuhtz Diehl Insurance and Financial Services, LLC

Kuhtz Diehl Insurance and Financial Services, LLC Group Medical Insurance, Individual and Family Health Insurance, Medicare Plans.

As the year winds down, we want to wish you and your family a wonderful holiday season, however you celebrate. Thank you...
08/28/2026

As the year winds down, we want to wish you and your family a wonderful holiday season, however you celebrate. Thank you for your trust in us this year. We look forward to continuing to serve you in the new year.

đź’° Could guaranteed income bring more predictability to your retirement plan?Market ups and downs can be challenging when...
08/28/2026

đź’° Could guaranteed income bring more predictability to your retirement plan?

Market ups and downs can be challenging when you’re relying on retirement savings for income. Certain annuities can provide guaranteed income for life, depending on the product and payout option, helping reduce reliance on short-term market performance.

An annuity may be worth exploring if you:

âś… Want more predictable retirement income
âś… Are concerned about outliving your savings
âś… Want to help cover essential expenses
âś… Are looking to balance growth opportunities with guaranteed income

Annuities aren’t right for everyone, and products can vary widely in costs, guarantees, surrender charges and withdrawal restrictions. We can help you understand the options and determine whether an annuity has a place in your overall retirement strategy.

Are You 65+ and Thinking About Dental Coverage? You’re Not Alone.Original Medicare and some Medicare Advantage plans don...
08/27/2026

Are You 65+ and Thinking About Dental Coverage? You’re Not Alone.

Original Medicare and some Medicare Advantage plans don't cover routine dental care — and nearly half of all seniors have no dental insurance at all. That’s a big risk, especially since:

👉 20% of seniors have untreated tooth decay
👉 68% have gum disease
👉 1 in 5 have lost all their teeth

Affordable options exist — but it helps to know what to look for:

✔️ Medicare Advantage Plans – Some include dental or offer add-ons (avg. $284/year)
✔️ Private Stand-Alone Plans – $20–$80/month for cleanings, dentures & more
✔️ Dental Discount Plans – Membership-based savings (no waiting periods!)
✔️ Other Resources – VA benefits, dental schools, and local clinics

🎯 Pro tip: Some plans have waiting periods and benefit caps, so the right fit depends on your needs.

Ready to explore your options? We can help you find the best coverage (or discount strategy) for your smile and your wallet.

Type your income into an online life insurance calculator and it will probably tell you to buy a million dollars of cove...
08/27/2026

Type your income into an online life insurance calculator and it will probably tell you to buy a million dollars of coverage. Type in a different income and it will often tell you the same thing.

That is the trouble with generic formulas. They do not know whether you have three kids or none, twenty years left on a mortgage or a paid-off house, a working spouse or a single income.

A better way to think about it is to add up four things:

- Debts, including your mortgage and any loans your family would inherit.
- Final expenses, which can reach several thousand dollars or more.
- Income replacement, usually a portion of your pretax income rather than all of it.Education costs, if you have children who may go to college.

Add those together and you have a starting number that came from your actual life. Then adjust for savings, a spouse's income, and any coverage you already have through work.

Most people are surprised by the result in one direction or the other.

Have you ever run the numbers on your own coverage? If you have not, or if it has been a few years, reach out. We will walk through it with you.

Did you know that a majority of employees report eye strain affecting their focus at work, yet many employers underestim...
08/26/2026

Did you know that a majority of employees report eye strain affecting their focus at work, yet many employers underestimate how widespread the problem is? Environmental factors like screen time, lighting, and indoor air quality all play a role. Offering vision insurance as part of your benefits package doesn't just help with vision; it supports employee productivity through overall wellbeing. Let's talk about building this into your benefits strategy.

⚠️ Do you get help lowering your monthly ACA Marketplace health insurance premium? That financial help is called an adva...
08/26/2026

⚠️ Do you get help lowering your monthly ACA Marketplace health insurance premium? That financial help is called an advance premium tax credit. It’s based partly on the income you expect to earn for the year, and if your actual income or circumstances change, you could end up receiving more assistance than you qualify for.

Starting with the 2026 tax year, repayment caps for excess advance premium tax credits no longer apply. If you receive more financial assistance than you ultimately qualify for, you may have to repay the full difference when you file your federal tax return.

đź’ˇ Income or household changes during the year? Update your Marketplace information promptly. Keeping it current can help reduce the risk of an unexpected tax bill.

Medicare & Assisted Living: What’s Covered vs. Not ✅ Covers (short-term, medical): • Skilled Nursing Facility (up to 100...
08/26/2026

Medicare & Assisted Living: What’s Covered vs. Not

âś… Covers (short-term, medical):
• Skilled Nursing Facility (up to 100 days)
• Home health (doctor-ordered)
• Medical services while in assisted living
• Hospice care

❌ Doesn’t Cover:
• Custodial help (bathing, dressing, eating)
• Room & board in assisted living
• Long-term nursing home stays for daily living needs
• Assisted living as a skilled care setting

✨ Planning ahead = more options. Consider long-term care insurance, Medicaid, savings strategies, or hybrid policies.

The best time to plan? NOW. And we’re here to help every step of the way.

Between screen time, seasonal allergies, and dry indoor air, your eyes are working overtime. The good news: most environ...
08/26/2026

Between screen time, seasonal allergies, and dry indoor air, your eyes are working overtime. The good news: most environmental eye strain is preventable. Try the 20-20-20 rule (every 20 minutes, look at something 20 feet away for 20 seconds). Also, keep artificial tears handy, and consider a humidifier for dry indoor air or an air purifier for air that may be smoky or smoggy. Regular eye exams through vision insurance can also catch more serious problems early, before they affect your daily life.

Address

2150 N. WINERY Avenue
Fresno, CA
93703

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+15592510501

Website

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