Duncan Market Insurance

03/20/2026

As you know I rarely post but today is one of the best days of the year. My angel is 21,

03/04/2026

Love those pastries

03/03/2026

This came to my email, and I thought it was interesting information for my retirement community.

Take a matching quiz
5 Ways to Potentially Reduce RMD Taxes After Age 73
Turning 73 can be considered a key milestone for retirement planning: It’s the year required minimum distributions (RMDs) go into effect for most.

Since RMDs count as taxable income, they have the potential to trigger significant tax bills. But with thoughtful strategies, you may be able to reduce the RMD tax burden and help preserve more of your hard-earned wealth.

Here are five actionable strategies to consider when managing RMD-related taxes. See the list.

Consulting a fiduciary financial advisor can be a great first step to factoring RMDs, and the potential tax repercussions, into your retirement plan.

SmartAsset’s latest proprietary model reveals that working with a financial advisor could potentially add from 36% to 212% more dollar value to investors’ portfolios over a lifetime, depending on multiple unique, individual factors.¹

Interested in finding a financial advisor? SmartAsset's no-cost tool can help you find and compare vetted fiduciary advisors serving your area, each legally bound to work in your best interest. It's never too late to plan to work toward a comfortable retirement. Explore your financial advisor matches today

Hire a Pro: Compare Financial Advisors at No Cost to You
Take SmartAsset’s free quiz to get matched with vetted financial advisors serving your area, each legally bound to work in your best interest.
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This is a hypothetical example and is not representative of any specific security. Actual results when working with a financial advisor will vary.

This scenario is for illustrative purposes only and does not represent an actual client. Results may vary.

This is not an offer to buy or sell any security or interest. All investing involves risk, including loss of principal. Working with an adviser may come with potential downsides such as payment of fees (which will reduce returns). Past performance is not a guarantee of future results. There are no guarantees that working with an adviser will yield positive returns. The existence of a fiduciary duty does not prevent the rise of potential conflicts of interest.

SmartAsset.com is not intended to provide legal advice, tax advice, accounting advice or financial advice (Other than referring users to third party advisers registered or chartered as fiduciaries ("Adviser(s)") with a regulatory body in the United States). The article and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your accountant, tax, or legal advisor with regard to your individual situation.

SmartAsset Advisors, LLC ("SmartAsset"), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. SmartAsset’s services are limited to referring users to third party advisers registered or chartered as fiduciaries ("Adviser(s)") with a regulatory body in the United States that have elected to participate in our matching platform based on information gathered from users through our online questionnaire. SmartAsset receives compensation from Advisers for our services. SmartAsset does not review the ongoing performance of any Adviser, participate in the management of any user’s account by an Adviser or provide advice regarding specific investments.

We do not manage client funds or hold custody of assets, we help users connect with relevant financial advisors.

Sources:
“The Value of a Financial Advisor: What’s It Really Worth?” SmartAsset (Nov. 2024)

02/24/2026

Prescription drug serious a history
hard to believe standalone prescription drug coverage plans did not start until 2003. Although this law did help get better prescription drug coverage to seniors it also created price gouging not to be confused with inflation which is constant and gouging is an overreach. This is an interesting read. Also, for those on Medicare the highest deductible allowed back then was $250 and as you know today it is $615

Empowering Medicare Beneficiaries With Affordable Options President Bush Has Modernized Medicare And Provided More Than 40 Million Americans With Better Access To Prescription Drugs

02/23/2026

https://trumprx.gov/

Delivering the lowest prescription prices in the world for Americans.

02/20/2026

This post is part of my prescription drug series.

HISTORIC LAUNCH TO LOWER DRUG PRICES FOR AMERICAN PATIENTS: Today, President Donald J. Trump announced the launch of TrumpRx.gov. Through the website,

02/19/2026

American Prescription Drug Cost Series

Next couple of days I will be posting a little information about TrumpRX.gov, keep in mind the name makes it seem like Trump himself owns this but it is in fact a GOVERNMENT policy more over and partly possible due to the none renewal of a 20 year law that was not renewed, and part of a process that was already slighted for RX negations this year that passed about 3 years ago-which will be a part of my posting over the next few days to help detail why has this not been happening over the last 20 years and how did we get to this point and what comes next. This was not an overnight change but a historic one I hope it delivers all it says but honestly anything is an improvement for the American People

Starting with Feb 20 more information to come.

02/16/2026

Hello, I was in Delray this weekend and stopped by Paris baguette for coffee and a pastry see video, I new it looked familiar and finally figured it out, I went to one in NYC loved it both in NYC and Delray FL

02/11/2026

Show your heart some love.

Cardiovascular disease screenings


SHOW YOUR HEART SOME LOVE
Is your heart healthy? Talk with your doctor to see if you need cardiovascular disease screenings. Medicare Part B covers these tests if your doctor or other healthcare provider orders them.

Learn More

Living a heart healthy lifestyle can help keep your blood pressure, cholesterol, and blood sugar levels normal — and lower your risk for heart disease and heart attack. If you're not sure you're at risk, now's a good time to talk with your doctor.

Tips to show your heart some love:

Stay active. If possible, aim for 150 minutes of movement each week. Walking is a great start! Check with your doctor about which activities are right for you.

Get enough sleep. Aim for 7–9 hours a night. A good night's rest can help reduce the risk of heart disease.

Eat a heart-healthy diet. Choose lots of vegetables, fruits, lean proteins, and whole grains — and try to limit salt.

Don't smoke. If you smoke, it's never too late to quit.

Sincerely,

The Medicare Team

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02/07/2026

02/04/2026

One of our carriers at Duncan Market Insurance

02/03/2026

Negotiated Drugs for Medicare will finally begin. The first 10 Medicare part D Covered drugs selected for price negotiations became available at reduced cost on Jan 1, capping a yearslong effort by AARP and other advocates to stem high drug prices. A law that required negotiations between drug companies and government officials passed in 2022. Here's a look at the first drugs and savings.
Januvia for example List price in 2023 $527 discount 79% making it $113 a month. Additional list Novolog Fiasp and variants, Farxiga, Enbrel, Jardiance, Stelara, Xarelto, Eliquis, Entresto, Imbruvica.