Rall Capital Management

10/13/2026

Medicare open enrollment starts Oct. 15 and runs through Dec. 7. Any changes you make take effect Jan. 1. 📅

Why shop this year? Several insurers are discontinuing Medicare Advantage plans, and there will be fewer stand-alone Part D drug plans to choose from. Even if your plan isn’t going away, its costs or doctor network may be changing.

Quick checklist:
✅ Read the Annual Notice of Change from your plan
✅ Call your doctors’ offices to confirm they take the plan you’re considering
✅ Compare total costs, not just premiums
✅ Run your medications through the Plan Finder on Medicare.gov

[link]

The official U.S. government website for Medicare, a health insurance program for people age 65 or older and younger people with disabilities.

10/11/2026

Big changes are happening in the world, and Ray Dalio makes a good point: money and credit sit underneath most of them. You don’t need to be an economist. Knowing even the basics of how and why things shift makes the headlines easier to take in calmly.

09/21/2026

Medicare's Open Enrollment season is right around the corner. Don't let it pass without reviewing your plan to make sure it still fits.

Here’s a straightforward look at Medicare Advantage vs. Original Medicare:

Your Medicare coverage may look different in 2027 even if you keep the same plan. Here’s what to look for in your Annual Notice of Change, along with key differences between Medicare Advantage plans and original Medicare to consider before making coverage decisions.

09/20/2026

The CPI index has risen 28 percent since January 2020, meaning the dollar has lost 28 percent of its purchasing power over that period. For perspective, if you had $100k in savings or investments in 2020, it would now only buy the equivalent of $72,000.

Month-to-month prints get the headlines. The longer stretch above the Fed’s 2% target is what chips away at what a dollar buys.

The latest reminder of the Federal Reserve's record of failure, which now extends longer than five years, comes with the most recent inflation measure.

09/20/2026

We have this conversation with clients all the time—your home equity is part of your net worth, but doesn’t contribute to your “retirement paycheck.”

On paper, two households can look the same. In retirement, they can feel very different if one has most of its wealth in the house and little that’s investable.

Here’s a good discussion on how it can impact your financial plan:

Advertisement A paid-off house is real wealth. As retirement gets closer, though, what matters more is how much of your net worth can actually help pay your bills. Take these two households, each with a $1.5 million net worth. Household A Household B Home value $1,200,000 $500,000 Mortgage $0 $0 Inv...

09/20/2026

Kind of funny, but so true.

You’re not as good an investor as you think you are. In a market full of smart, hard-working, well-informed people, the smartest trading strategy is not to trade at all.

That’s why we emphasize a written plan, diversification, and discipline—not chasing the next trade.

— The Investor’s Manifesto (William J. Bernstein and Jonathan Clements)

09/19/2026

Just because you’re under 65 years of age doesn’t mean you don’t qualify for Medicare. There are a few specific scenarios where you are eligible earlier. Learn more:

You might qualify for Medicare if you’re under 65-years-old. This article will explain the conditions where you may qualify for Medicare early.

09/15/2026

What have years of inflation done to U.S. prices? A lot more than a single monthly CPI print shows.

This is the risk that most people don’t think about—the loss of purchasing power over time. Some call it “the invisible tax.”

Nearly every category of product costs more than it would have had prepandemic trends continued. And many product prices are still rising faster than they were before.

09/15/2026

AARP is projecting a 3.6% Social Security cost-of-living adjustment for 2027.

That’s larger than this year’s 2.8% COLA, and would be the biggest since 2023 if the estimate holds. The official announcement is expected around Oct. 14.

If the AARP’s projection holds, the cost-of-living adjustment would be the largest since 2023.

09/15/2026

Medicare doesn’t have to be a complicated topic. Here we break down the basics of Medicare, and what you need to know to qualify. Read more here:

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