Kimberly Pohler

04/29/2026

On Medicare and worried about expensive prescriptions? 💊

One option that can help is the Medicare Prescription Payment Plan, which allows people with Medicare Part D drug coverage to spread their out-of-pocket prescription costs into interest-free monthly payments instead of paying the full amount at the pharmacy. Unfortunately, this option is unknown to many Medicare beneficiaries.

It can be especially helpful in two common situations:

• At the beginning of the year, when Medicare drug plan deductibles reset and patients may face large upfront costs.
• After a new diagnosis, when someone suddenly needs high-cost medications and may not have planned for the expense.

Instead of paying hundreds or even thousands of dollars all at once, the Medicare Prescription Payment Plan allows those costs to be spread across the remaining months of the year. While it doesn’t reduce the total cost of medications, it can make those costs much easier to financially manage.

If you or a loved one are enrolled in Medicare Part D and expect high prescription drug costs, it may be worth asking your plan about the Medicare Prescription Payment Plan.

Learn more:
https://www.medicare.gov/prescription-payment-plan

04/24/2026

Take a minute to brag... in a good way! What have you done recently to make yourself proud?

04/20/2026

👨‍👩‍👧 More employees today are balancing work while caring for children, aging parents, or other family members. A new survey shows caregiver leave is one of the fastest-growing workplace benefits as employers look for ways to support their workforce and improve retention.

Providing benefits support for caregivers can reduce stress, improve morale, and help retain talent in a competitive labor market.

04/15/2026

“Retirement: That’s when you return from work one day and say, ‘Hi honey, I’m home… forever.’”
— Gene Perret

Retirement changes more than your schedule — it can change your relationship dynamic too. 👥

After decades of work routines and independent responsibilities, many couples suddenly find themselves together all day once retirement begins. For some, that transition is exciting. For others, it can be a challenge as both partners adjust to new routines, expectations and roles.

Research even shows that divorce rates among adults over 50 have doubled since 1990, a trend often referred to as “gray divorce.” That’s why planning for your retirement involves more than just your finances.

🌅Couples who navigate retirement successfully often:
• Discuss expectations before retiring
• Maintain individual hobbies and friendships
• Build new shared routines
• Stay aligned on financial and lifestyle goals

Retirement can be one of the most meaningful chapters of life when couples plan for it together.

04/10/2026

Many families are surprised to learn how expensive funeral and end-of-life arrangements can be. A traditional funeral and burial can cost thousands of dollars, and those expenses often must be paid quickly.

So what happens if someone passes away without final expense insurance?

In many cases, the responsibility falls on surviving family members. Loved ones may need to use personal savings, take on credit card debt, or rely on fundraising to cover funeral costs. Sometimes the deceased person’s estate can help, but that process may take months before funds become available.

This can create unnecessary financial stress during an already difficult time.

Final expense insurance is designed to help ease that burden. These policies are typically affordable and can help cover funeral expenses, medical bills, or other end-of-life costs. Most importantly, they provide peace of mind knowing loved ones will not have to shoulder the financial responsibility alone.

Planning ahead is one of the most meaningful ways to protect the people you care about.

If you’d like to learn more about how final expense insurance works and whether it might be right for you, reach out today for a simple, no-obligation conversation. 💬

04/08/2026

Turning 73 soon? It may be time to start thinking about Required Minimum Distributions (RMDs) from your retirement accounts.

Once you reach age 73, the IRS requires you to begin withdrawing a minimum amount each year from certain retirement accounts like traditional IRAs and 401(k)s. These withdrawals are taxable and can affect your overall retirement income strategy.

Many people are surprised to learn that missing an RMD can result in penalties. Even if you don’t need the income right away, understanding when distributions must begin and how they’re calculated is an important part of retirement planning.

The good news is that with proper planning, you can better manage how RMDs impact your taxes, Medicare premiums, and long-term financial goals.

A knowledgeable insurance or financial professional can help you review your retirement accounts, estimate future withdrawals, and build a strategy that fits your needs.

If you’re approaching age 73 or helping a loved one prepare for retirement, now is a great time to learn more.

📘 Read our latest article to understand how Required Minimum Distributions work and what you should consider as you plan ahead.

📞 Have questions about retirement planning or Medicare? Reach out today for guidance tailored to your situation.

04/06/2026

How do you pick a good hospital? Did you know Medicare’s Care Compare tool provides hospital quality star ratings? If you’re planning surgery or managing a health condition, comparing hospitals can help you make a more informed decision.

⭐ Overall star ratings
⭐ Patient satisfaction scores
⭐ Performance compared to national averages

Visit Medicare.gov/care-compare to explore your options.

Find Medicare-approved providers near you & compare care quality for nursing homes, doctors, hospitals, hospice centers, more. Official Medicare site.

03/31/2026

A rider is an add-on to an insurance policy that modifies or enhances your coverage.

It can add benefits, expand protection, or customize your policy to fit your needs. This often comes at an additional cost, of course, but the actual cost will vary a lot by type of insurance and type of rider.

Examples include long-term care riders on life insurance or accidental death riders.

Think of a rider as a way to personalize your coverage.

03/25/2026

Term life is affordable, but it’s temporary. Most plans expire at the end of 10, 20, or 30 years, as defined in the original policy. When your plan ends, you typically have three options:

1 - Renew your Term Life plan (premiums will increase)
2 - Apply for a new Permanent Life policy
3 - Convert to permanent coverage (if your policy allows)

If you only need a few more years of protection, renewing may work. If you need lifelong coverage, permanent insurance like whole or universal life could make more sense. And if your health has changed, a conversion option may allow you to secure coverage without another medical exam.

Don’t wait until your policy has already expired to think about your options! If your term policy is ending in the next 6 to 12 months, now is the time to talk it through with a licensed agent you can trust. We’re here to help!

03/23/2026

In Medicare, creditable coverage means your existing prescription drug coverage is expected to pay, on average, at least as much as Medicare’s standard Part D coverage.

Why it matters:
If you have creditable drug coverage and delay enrolling in Part D, you can usually avoid a late enrollment penalty later.

Employers or other plans outside of Medicare are required to notify you each year whether your coverage is creditable.