Retirement Understood

12/25/2025

🎄Merry Christmas to everyone from all of us at Retirement Understood🎁We hope your holiday season is filled with joy, laughter, and cherished moments with loved ones. Thank you for being a part of our community. Here's to a bright and prosperous New Year ahead!

12/22/2025

Health Insurance and Your Income Taxes

Health insurance is first and foremost a financial safety net. Yet, it can also play a meaningful role in lowering your tax bill. But the rules on what can and cannot be deducted aren’t always intuitive. In fact, the IRS code addressing health related expenses can be downright confusing. If you bu...

12/11/2025

Our team is incredibly grateful for the opportunity to sponsor a family in need through The Gingerbread House - The Youth and Family Project, Inc. this holiday season! 🎁

12/08/2025

What Are Accelerated Death Benefits in Life Insurance?

When most people think about life insurance, they think of a payout to their family after they pass away. But what if you could access a portion of your life insurance benefit while you’re still alive, during a time when you might need it most?

12/01/2025

Why Dental Isn’t Covered by Health Insurance Plans (And Why That Matters)

When most people sign up for health insurance, they’re surprised, and often frustrated, to learn that dental coverage isn’t included. Despite the well-established connection between oral health and overall wellness, medical and dental insurance remain separate in the U.S. health system.

11/27/2025

🍂 This Thanksgiving, we are grateful for all of our wonderful clients. We thank you for the trust you place in us to protect what matters most to you. Wishing you a safe and joyful holiday! 🦃

11/24/2025

Life Insurance for a Non-Working Spouse or Partner: Protecting the Priceless

When we fall in love and build a life with someone, we don’t think in terms of balance sheets. We think in terms of late-night talks, family traditions, and shared dreams. But when it comes to financial planning, we sometimes overlook one of the most economically important people in the household:...

11/17/2025

Do Healthy People Really Need Health Insurance?

When you're young, active, and in great shape, paying for health insurance might feel like throwing money away. After all, if you rarely go to the doctor, why spend thousands of dollars a year for coverage you may never use?

11/17/2025

Healthcare Sharing Ministries vs. Health Insurance: What’s the Difference?

In the search for affordable healthcare, some Americans are turning away from traditional health insurance and exploring alternative models like Healthcare Sharing Ministries (HSMs). These programs often promise lower monthly costs and a faith-based approach to covering medical expenses. But while t...

11/11/2025

🌟 **Today, we honor the brave men and women who have served our country. Thank you for your sacrifices and dedication. Happy Veteran's Day! **

11/10/2025

Why the Lowest Premium Might Cost You More in the Long Run

When shopping for insurance, whether it’s health, auto, or homeowners, it’s tempting to zero in on the lowest monthly premium. After all, who doesn’t want to save money? But while a lower premium might feel like a win at first, it can end up costing you far more when it comes time to actually ...

11/03/2025

What to Know About Medicare’s New WISeR Model: Aiming for Smarter Spending, Not Less Care

Earlier this year, the Centers for Medicare & Medicaid Services (CMS) announced the launch of a pilot program designed to reduce wasteful and inappropriate services in Original Medicare. Known as the WISeR Model (Wasteful and Inappropriate Service Reduction), the program seeks to improve efficiency....