What are the opening hours?

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

Kimberly Pohler

Purposeful Financial Planning for The Seasons of Life It is so rewarding to see others take their dreams and turn them into their lifestyle.

I have been an entrepreneur for over 15 years as an independent agent in insurance and have had my own home based business as well. Over the years I have seen one challenge that spans across all industries and that is quality prospects Many entrepreneurs find it difficult to know how to go about getting quality prospects without breaking their pocketbooks. I've seen so many entrepreneurs work IN their business and miss the key element, which is for them to work ON their business with a measurable marketing plan in place. I have always been passionate about helping others and over the years the definition of that has changed and evolved into where I am at today. I am excited and energized by the opportunity to educate and empower entrepreneurs to utilize a quality, proven strategies and a system that gives them the power to take their business to the Next Level!

07/31/2026

📅 ACA Open Enrollment Dates Are Changing for 2027

If you have a health plan through the ACA Marketplace, your enrollment window is getting shorter for 2027 coverage. Here's what you need to know. 👇

⏰ The national schedule is November 1 - December 15 for most states.

Enrollment opens: November 1, 2026
Enrollment closes: December 15, 2026
Coverage starts: January 1, 2027

🌎 State-run exchanges may differ

Some states run their own marketplaces and set their own deadlines. They can extend enrollment past December 15 — but not beyond December 31. Here's what's been announced so far for 2027 coverage...

States starting early:

Idaho: Oct 15 – Dec 15, 2026
Georgia: Oct 19 – Dec 15, 2026

Extended deadlines:

Nov 1 – Dec 23, 2026: Massachusetts
Nov 1 – Dec 31, 2026: CA, CO, CT, KY, MD, MN, NV, NM, OR, RI, VA, WA

⚠️ Dates can still change, so always confirm with your state's marketplace before you enroll. ⚠️

✅ What you can do now

- Mark your calendar for November 1, 2026.
- Know your state's exact deadline.
- Reach out with questions about your plan or your options — we're here to help.

Acting early gives you time to compare plans and helps you avoid a gap in coverage. Don't wait until the last minute — the window is shorter this year! 🩺

07/29/2026

🏠 Smart Home Tech for Seniors: What Helps at Home

The right devices can make life at home safer for older adults — and give family members peace of mind. Here's what helps most:

🤖 Robot vacuums — Keep floors clear of dust and clutter that cause trips and falls, with no bending or heavy lifting.

💡 Motion-sensor night lights — Falls are the #1 injury for older adults, and low light makes it worse. Add lights that switch on automatically to guide the path from bed to bathroom. Cheap and easy to set up.

🚨 Medical alert systems (PERS) — A wearable button, automatic fall detection, or two-way voice device can call for help fast. Some are even built into smartwatches.

💊 Medication reminders — Smart speakers, locking pill dispensers, and reminder apps help you stay on track and can alert a caregiver if a dose is missed.

🔥 Stove shut-offs — Unattended cooking is the top cause of home fires. Devices like FireAvert and iGuard cut power automatically and install in minutes.

So what does Medicare cover? Here's the straight answer:

✅ Original Medicare & Medigap: Do NOT cover these devices.

✅ Medicare Advantage (Part C): Some plans offer extra perks, like help with a medical alert system — but it varies by plan and may cover only part of the cost. Always check plan details before enrolling.

👉 Start with your biggest worry. Worried about falls? Begin with lighting and an alert system. Struggling with prescriptions? A pill dispenser may matter most. You don't need every gadget — one or two that fit your routine can make a real difference.

Questions about your Medicare options? We're here to help. 💙

07/27/2026

Did you know Medicare handles skin cancer differently than other screenings? Skin cancer is the most common cancer in the U.S., and the risk grows with age. But unlike mammograms or colonoscopies, Medicare generally doesn't cover routine skin cancer screenings if you have no symptoms.

The good news is that Medicare DOES cover the visit (and biopsy and treatment, if applicable) if you notice a change that warrants checking, like a new growth, a mole that's changing, or a sore that won't heal. That makes early detection something you can take into your own hands. Check your skin regularly, watch for the ABCDE warning signs (asymmetry, border, color, diameter, and evolving). And for heaven's sake, don't skip sun protection this summer!

👩‍⚕️ Notice something new or changing? Tell your doctor promptly.

Questions about your Medicare coverage? Reach out anytime and we'll help.

07/24/2026

💡 Your Life Insurance Can Work for You—While You're Still Alive

Most people think life insurance only pays out after they're gone. But if you own a permanent policy, it may also be a valuable, working asset. Here's what yours might do for you right now:

💰 Build cash value — Part of what you pay grows over time, tax-deferred. It's like a savings component built quietly into your protection.

🏦 Borrow against it — Need cash for an emergency, tuition, or a business opportunity? You can borrow against your policy with no credit check and little paperwork. Repay it or let it ride—your choice.

🔄 Swap for income — No longer need the coverage? A Section 1035 exchange lets you trade your policy for an annuity—tax-free—turning an asset you don't need into steady income.

🌴 Supplement retirement income — Years of funding a policy can leave you with substantial cash value, with no early-withdrawal penalties and no required minimum distributions like IRAs and 401(k)s.

The bottom line: life insurance protects the people you love, but a permanent policy can also build value, offer easy access to cash, and even help fund your retirement.

Let's talk to see how life insurance can work for you. 💙

07/22/2026

💊 Are You Eating Enough Nutrients on Your GLP-1?

GLP-1 medications help you feel full and eat less, but eating less has a downside. Recent studies show that nutritional deficiencies are "a common consequence" of GLP-1 therapy. Vitamin D is the most common gap, with iron, B vitamins, and anemia also showing up.

🥗 What to do? Make every bite count

With a smaller appetite, quality matters more than quantity. Build meals around:

🍗 Protein — lean meats, fish, eggs, beans, low-fat dairy

🌾 Fiber — whole grains, veggies, fruits, nuts

🥑 Healthy fats — avocado, olive oil, salmon, seeds

💧 Hydration — aim for 8–10 glasses of water a day

💡 Don't skip meals entirely, even when you're not hungry. Consider protein shakes or bars when whole meals feel like too much.

GLP-1s can be a powerful tool for weight loss and metabolic health. Getting the nutrition piece right helps you feel strong and energized—not just lighter on the scale.

07/20/2026

Many people are surprised to learn that cleanings, fillings, dentures, and most dental work aren't included in Original Medicare. And while some Medicare Advantage plans offer dental benefits, the coverage is often limited. That can leave a real coverage gap, right when good dental care matters most for your health.

A standalone dental plan can help. It can make preventive visits like exams, cleanings, and x-rays more affordable, and depending on the plan, help with fillings, crowns, root canals, dentures, or implants. If you're on Medicare and have been wondering how to handle dental costs, we'd be glad to help you compare options or start a quote. Just reach out.

07/17/2026

🏡 What Is a Trust—and Do You Need One?

When people hear "trust," they often picture wealthy families and complicated legal documents. But trusts aren't just for the rich. If you own a home, have children, or simply want to make things easier for your loved ones someday, a trust is worth considering.

So what is it? A trust is a legal arrangement that lets you place assets—your home, accounts, investments—into a separate entity managed by instructions you create. You decide who manages your assets, who receives them, when, and how.

Why do trusts matter? A few big reasons:

⚖️ Avoid probate — Assets in a trust can pass directly to beneficiaries, skipping the court process that can take months, rack up fees, and delay access to needed funds.

🔒 Maintain privacy — Unlike a will, which becomes public record, a trust generally stays private.

🧭 Plan for incapacity — If illness or injury leaves you unable to manage your affairs, a successor trustee can step in—no court approval needed.

❤️ Protect loved ones — You can distribute assets gradually instead of all at once, which is especially helpful for young children or blended families.

Not everyone needs a trust—but many people benefit from one. Let's discuss if a trust is the right choice for you.

07/15/2026

💼 Worried about estate taxes eating into what you leave behind?

For most families, federal estate taxes aren't a concern — but if you own a business, appreciated real estate, or sizable investments, your estate may be larger than you think. Estates above the federal exemption can face tax rates up to 40%. 😬

The good news: planning ahead can help. Here are four strategies worth exploring:

🎁 Strategic gifting — Give to loved ones during your lifetime to shrink your taxable estate.

🎓 529 college plans — Fund a child or grandchild's education while reducing your estate.

🔄 Roth IRA conversions — Pay taxes now so heirs may receive tax-free distributions later.

🛡️ Irrevocable life insurance trusts (ILITs) — Help create liquidity so heirs aren't forced to sell family assets.

Estate laws change, so a plan that worked a decade ago may not be right today. Review yours regularly with qualified tax, financial, and insurance professionals to make sure it is still supporting your goals.

06/30/2026

🏥 ER, Urgent Care, or Your Doctor? Here's a Quick Cheat Sheet

When something unexpected happens, knowing where to go can save you time, money, and stress. A quick guide:

🚨 Go to the ER for: Chest pain, stroke symptoms, major trauma, uncontrolled bleeding, difficulty breathing, or anything that feels severe or unusual. When in doubt, call 911.

⚕️ Choose urgent care for: Minor injuries, sprains, mild infections, sore throats, ear pain, rashes, low-grade fevers, or anything that can't wait for a regular appointment but isn't an emergency.

💻 Try telehealth for: Mild symptoms, prescription refills, or quick consultations. Many insurance plans include it as a covered benefit.

👩‍⚕️ Call your primary doctor for: Chronic conditions, ongoing care, preventive visits, or anything that can wait a day or two. Many offices keep same-day sick slots open.

Pro tip: ER visits average $1,200–$3,000+, while urgent care visits typically run $100–$250 for the same kind of non-emergency issue. Choosing the right "door" can make a big difference.

Have questions about what your plan covers? Drop us a message. 💬

06/25/2026

"A perfect summer day is when the sun is shining, the breeze is blowing, the birds are singing, and the lawnmower is broken."
— James Dent

☀️ Wishing you a summer full of sunshine, breeze, and at least one unplanned afternoon off. And when life's little surprises aren't quite so charming? That's what we're here for. 💛

Address

203 E Main Street
North Manchester, IN
46962

Opening Hours

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

Telephone

+12603063456

Website

http://www.kimberlypohler.com/

Alerts

Be the first to know and let us send you an email when Kimberly Pohler posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Finance Company in North Manchester?