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Investment Advisory Services are offered through Rossby Financial, LLC, a Registered Investment Adviser. Rossby Financial, LLC and Trucess are not affiliated.

Facebook Business is unaffiliated with Hornor, Townsend & Kent, LLC (HTK). Any recommendation posted to this page is not endorsed by and may not represent the views of HTK nor its affiliates. This material is not intended to be a recommendation, offer or solicitation. Always consult a tax, legal, or financial professional regarding your personal circumstances. Securities & Advisory Services offered through HTK. Member FINRA www.finra.org / SIPC www.sipc.org. 600 Dresher Rd., Horsham, PA 19044, USA. 800-873-7637, www.htk.com. Trucess is unaffiliated with HTK.

11/02/2026

November is Long-Term Care Awareness Month, and it's a good time to consider how you plan to care for your future needs. Thinking about aging or sudden health changes can be difficult, but preparation can help you feel more confident about the years ahead!

As we observe Long-Term Care Awareness Month this November, it is an opportune time to have important conversations about our future needs. Thinking about aging or sudden health changes can be difficult, but preparation can help you feel more confident about the years ahead.

11/02/2026

Medicare open enrollment runs from October 15 to December 7. Changes generally take effect January 1.
Even if you like your plan, its costs, covered drugs, and networks can change from year to year. Start with your Annual Notice of Change, then check three things:
1. Are your prescriptions still covered next year, and at what cost?
2. If your plan uses networks, are your doctors and your pharmacy still included?
3. What's changing with your premiums, deductibles, and out-of-pocket costs?
You can compare plans with the Plan Finder at Medicare.gov.
Reviewing every year doesn't mean switching every year. It means knowing what you have.
https://tt.trucesstax.com/StartPlanningYourFuture

11/01/2026

November is National Long-Term Care Awareness Month.
Long-term care generally means needing help with everyday activities, like bathing, dressing, or eating. According to LongTermCare.gov, someone turning 65 today has almost a 70% chance of needing some type of long-term care services and supports in their remaining years. And Medicare generally doesn't pay for long-term custodial care.
Three questions to talk through with your family:
1. If you needed care, where would you want to receive it?
2. Who would provide it?
3. How would it be paid for?
A long-term care plan isn't about expecting the worst. It's about making decisions ahead of time.
https://tt.trucesstax.com/StartPlanningYourFuture

10/30/2026

October is National Financial Planning Month, and about two months remain in 2026.

Three questions worth answering before December 31st:
1. Are you on track with your retirement contributions this year, or is there room to add more?
2. Do your beneficiaries still match your life? A marriage, a divorce, or a new child can be a reason to review who's listed.
3. Does your plan account for what happens if you can't work for a while, or if you someday need help with everyday activities?

We'll talk about long-term care in November for Long-Term Care Awareness Month.

A plan isn't a one-time event. It's something you revisit as your life changes.

Start Planning your Future - Contact Trucess
https://tt.trucesstax.com/StartPlanningYourFuture

10/29/2026

October is Breast Cancer Awareness Month.
According to the American Cancer Society, breast cancer accounts for about 1 in 3 new cancers in women each year. ACS estimates about 321,910 new invasive cases in U.S. women in 2026, and about 2,670 in men.

The first step is medical: talk to your doctor about screening.
The second step is financial. Three things worth checking this month:
1. Your disability coverage: what it pays and when it starts.
2. Your health plan's out-of-pocket maximum, and what it does and doesn't cover.
3. Your important documents: does someone you trust know where they are?

Nobody plans to get sick. You can plan for what happens if you do.

10/26/2026

We spend a lot of time talking about financial health, but maintaining a proactive focus on your physical well-being is just as important as managing your finances. Read our blog this week to explore the connection between your physical health and your wallet and why it can’t be overlooked!

Retirement marks the beginning of an exciting new chapter, as leaving the workforce offers you the freedom to focus on what matters most to you. But to truly enjoy those years, maintaining a proactive focus

10/23/2026

One dollar of income over the line can raise your Medicare premiums by about $1,148 a year per person in 2026. It's called IRMAA, and it's based on your income from two years earlier.
If retirement or another life-changing event lowered your income, Form SSA-44 may help.

Details are below.

10/22/2026

Retired but not yet taking required distributions? You may be in a low-tax window for Roth conversions.
It closes every December 31st, and a conversion can raise Medicare premiums two years later. Worth a look before year-end.

Source: IRS
Details are below.
https://tt.trucesstax.com/StartPlanningYourFuture

10/21/2026

Feeling behind after seeing a net-worth-by-age chart? Check whether it uses the average or the median.
For families headed by someone 55 to 64, the Federal Reserve's 2025 median is about $412,000, less than a quarter of the average.
Details are below.
https://tt.trucesstax.com/StartPlanningYourFuture

10/19/2026

Retirement can offer the ultimate luxury: the flexibility to pack a bag and chase peak autumn foliage across the country on your own schedule. Check out our blog for some location ideas!

Retirement can offer the ultimate luxury: the flexibility to pack a bag and chase peak autumn foliage across the country on your own schedule. From coastal vistas to mountain passes, these top U.S. destinations pair breathtaking fall

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League City, TX
77573

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Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

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+18329407062

Website

http://www.trucess.com/

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