Agent Selena Hopkins

Agent Selena Hopkins Independent insurance agent partnered with Piatchek Retirement consultants.

03/18/2026

TOP RETIREMENT QUESTIONS TO ASK
Can I decrease my tax liability both now and in the future?
The key to minimizing your tax liability is reducing the amount of your gross income that is subject to taxes. We look at where you might increase your retirement contributions now for savings later.

12/12/2025

Who can you TRUST to give you the best retirement planning information possible?
People are desperately searching for reliable information on retirement planning. There's an overwhelming number of resources available online, so it's important to be cautious about the trustworthiness of the information out there.
At Piatchek Retirement Consultants we have been helping people navigate and prepare for retirement for 33 years. We are able to share with you our vast knowledge of information to achieve the goals you want for your retirement years.
People make better decisions when they understand the rules of the things that apply to them in retirement.

12/03/2025

Helping Achieve your Retirement Goals … while Securing your Legacy! What are safer money strategies? How can I grow my retirement money? Schedule A Meeting we can help! Questions You May Have: How do I make sure I don’t run out of money when I retire? If you want to be able to maintain your […...

03/25/2025

FYI EVERYONE!!!

A Friend was at Wendy's recently, I heard a guy ask for his senior discount. The girl at the register apologized and charged him less. When I asked the man what the discount was, he told me that seniors over age 55 ...get 10% off everything on the menu, every day. (But you need to ASK for your discount.)

This incident prompted me to do some research, and I came across a list of restaurants, supermarkets, department stores, travel deals and other types of offers giving various discounts with different age requirements. I was actually surprised to see how many there are and how some of them start as young as 50.

This list may not only be useful for you, but also friends and family, too.

Dunkin Donuts gives FREE coffee to people over 55. If you're paying for a cup every day, you might want to start getting it FREE.

YOU must ASK for your discount!

RESTAURANTS:
Applebee's: 15% off w/Golden Apple Card (60+)
Arby's: 10% off (55 +)
Ben & Jerry's: 10% off (60+)
Bennigan's: discount varies by location (60+)
Bob's Big Boy: discount varies by location (60+)
Boston Market: 10% off (65+)
Burger King: 10% off (60+)
Chick-Fil-A: 10% off or free small drink or coffee ( 55+)
Chili's: 10% off ( 55+)
CiCi's Pizza: 10% off (60+)
Denny's: 10% off, 20% off for AARP members ( 55 +)
Dunkin' Donuts: 10% off or free coffee ( 55+)
Einstein's Bagels: 10% off baker's dozen of bagels (60+)
Fuddrucker's: 10% off any senior platter (55+)
Gatti's Pizza: 10% off (60+)
Golden Corral: 10% off (60+)
Hardee's: $0.33 beverages everyday (65+)
IHOP: 10% off (55+)
Jack in the Box: up to 20% off (55+)
KFC: free small drink with any meal (55+)
Krispy Kreme: 10% off (50+)
Long John Silver's: various discounts at locations (55+)
McDonald's: discounts on coffee everyday (55+)
Mrs. Fields: 10% off at participating locations (60+)
Shoney's: 10% off
Sonic: 10% off or free beverage (60+)
Steak 'n Shake: 10% off every Monday & Tuesday ( 50+)
Subway: 10% off (60+)
Sweet Tomatoes: 10% off (62+)
Taco Bell : 5% off; free beverages for seniors (65+)
TCBY: 10% off (55+)
Tea Room Cafe: 10% off (50+)
Village Inn: 10% off (60+)
Waffle House: 10% off every Monday (60+)
Wendy's: 10% off ( 55 +)
Whataburger: 10% off (62+)
White Castle: 10% off (62+)

RETAIL & APPAREL :
Banana Republic: 30% off ( 50 +)
Bealls: 20% off first Tuesday of each month ( 50 +)
Belk's: 15% off first Tuesday of every month ( 55 +)
Big Lots: 30% off
Bon-Ton Department Stores: 15% off on senior discount days ( 55 +)
C.J. Banks: 10% off every Wednesday (50+)
Clarks : 10% off (62+)
Dress Barn: 20% off ( 55+)
Goodwill: 10% off one day a week (date varies by location)
Hallmark: 10% off one day a week (date varies by location)
Kmart: 40% off (Wednesdays only) (50+)
Kohl's: 15% off (60+)
Michael's: 10% off everyday (55+)
Modell's Sporting Goods: 30% off
Rite Aid: 10% off on Tuesdays & 10% off prescriptions
Ross Stores: 10% off every Tuesday ( 55+)
Salvation Army Thrift Stores: up to 50% off ( 55+)
Stein Mart: 20% off red dot/clearance items first Monday of every month ( 55 +)

GROCERY :
Albertson's: 10% off first Wednesday of each month ( 55 +)
American Discount Stores: 10% off every Monday ( 50 +)
Compare Foods Supermarket: 10% off every Wednesday (60+)
DeCicco Family Markets: 5% off every Wednesday (60+)
Food Lion: 60% off every Monday (60+)
Fry's Supermarket: free Fry's VIP Club Membership & 10% off every Monday (55 +)
Great Valu Food Store: 5% off every Tuesday (60+)
Gristedes Supermarket: 10% off every Tuesday (60+)
Harris Teeter: 5% off every Tuesday (60+)
Hy-Vee: 5% off one day a week (date varies by location)
Kroger: 10% off (date varies by location)
Morton Williams Supermarket: 5% off every Tuesday (60+)
The Plant Shed: 10% off every Tuesday (50 +)
Publix: 15% off every Wednesday (55 +)
Rogers Marketplace: 5% off every Thursday (60+)
Uncle Guiseppe's Marketplace: 15% off (62+)

TRAVEL :
Airlines:
Alaska Airlines: 50% off (65+)
American Airlines: various discounts for 50% off non-peak periods (Tuesdays - Thursdays) (62+)and up (call before booking for discount)
Continental Airlines: no initiation fee for Continental Presidents Club & special fares for select destinations
Southwest Airlines: various discounts for ages 65 and up (call before booking for discount)
United Airlines: various discounts for ages 65 and up (call before booking for discount)
U.S. Airways: various discounts for ages 65 and up (call before booking for discount)

Rail:
Amtrak: 15% off (62+)

Bus:
Greyhound: 15% off (62+)
Trailways Transportation System: various discounts for ages 50+

Car Rental:
Alamo Car Rental: up to 25% off for AARP members
Avis: up to 25% off for AARP members
Budget Rental Cars: 40% off; up to 50% off for AARP members (50+)
Dollar Rent-A-Car: 10% off ( 50+) Enterprise Rent-A-Car: 5% off for AARP members Hertz: up to 25% off for AARP members
National Rent-A-Car: up to 30% off for AARP members

Overnight Accommodations:
Holiday Inn: 20-40% off depending on location (62+)
Best Western: 40% off (55+)
Cambria Suites: 20%-30% off (60+)
Waldorf Astoria - NYC $5,000 off nightly rate for Presidential Suite (55 +)
Clarion Motels: 20%-30% off (60+)
Comfort Inn: 20%-30% off (60+)
Comfort Suites: 20%-30% off (60+)
Econo Lodge: 40% off (60+)
Hampton Inns & Suites: 40% off when booked 72 hours in advance
Hyatt Hotels: 25%-50% off (62+)
InterContinental Hotels Group: various discounts at all hotels (65+)
Mainstay Suites: 10% off with Mature Traveler's Discount (50+); 20%-30% off (60+)
Marriott Hotels: 25% off (62+)
Motel 6: Stay Free Sunday nights (60+)
Myrtle Beach Resort: 30% off (55 +)
Quality Inn: 40%-50% off (60+)
Rodeway Inn: 20%-30% off (60+)
Sleep Inn: 40% off (60+)

ACTIVITIES & ENTERTAINMENT ;:
AMC Theaters: up to 30% off ( 55 +)
Bally Total Fitness: $100 off memberships (62+)
Busch Gardens Tampa, FL: $13 off one-day tickets ( 50 +)
Carmike Cinemas: 35% off (65+)
Cinemark/Century Theaters: up to 35% off
Massage Envy - NYC 20% off all "Happy Endings" (62 +)
U.S. National Parks: $10 lifetime pass; 50% off additional services including camping (62+)
Regal Cinemas: 50% off Ripley's Believe it or Not: @ off one-day ticket ( 55 +)
SeaWorld, Orlando , FL : $3 off one-day tickets ( 50 +)

CELL PHONE DISCOUNTS :
AT&T: Special Senior Nation 200 Plan $19.99/month (65+)
Jitterbug: $10/month cell phone service ( 50 +)
Verizon Wireless: Verizon Nationwide 65 Plus Plan $29.99/month (65+).

MISCELLANEOUS:
Great Clips: $8 off hair cuts (60+)
Supercuts: $8 off haircuts (60+)

NOW, go out there and claim your discounts!! Remember YOU must ASK for discount - no ask, no discount.

I Know everyone knows someone over 50 please pass the one on!!!

COPIED AND PASTED

02/26/2025

NAVIGATING YOUR RETIREMENT WITH CONFIDENCE

As we move into 2025, several important changes to Social Security are set to impact beneficiaries. Here's what you need...
02/19/2025

As we move into 2025, several important changes to Social Security are set to impact beneficiaries. Here's what you need to know:

1. Cost-of-Living Adjustment (COLA): Beneficiaries will receive a 2.5% COLA in 2025, the smallest increase since 2020. This adjustment aims to help benefits keep pace with inflation.

2. Social Security Fairness Act: Signed into law on January 5, 2025, this act repeals the Windfall Elimination Provision and Government Pension Offset. As a result, public sector retirees, such as teachers and firefighters, can now receive full Social Security benefits alongside their pensions.

3. Taxation Changes: The Social Security payroll tax wage base has increased from $168,600 in 2024 to $176,100 in 2025. This means higher earners will contribute more to Social Security taxes.

4. Proposed Tax Relief for Seniors: Legislation has been introduced to provide tax cuts for seniors. Proposals include increasing income deductions for individuals over 65 receiving Social Security benefits and doubling tax-exempt income from Social Security. These measures aim to ease financial burdens on seniors, though they are still under consideration.

Staying informed about these changes is crucial for effective retirement planning. Consider consulting with a financial advisor to understand how these updates may affect your benefits and to make informed decisions about your financial future.

Turn Your 401(k) into a Lifetime PensionWorried about outliving your retirement savings? Rolling your 401(k) into an ann...
02/18/2025

Turn Your 401(k) into a Lifetime Pension

Worried about outliving your retirement savings? Rolling your 401(k) into an annuity can provide you with a steady, guaranteed income for life—just like a pension!

✅ Lifetime Income – Enjoy a predictable, steady paycheck throughout retirement.
✅ Protection from Market Volatility – Your money is safe from stock market ups and downs.
✅ Customizable Payouts – Choose options that best fit your retirement goals and needs.
✅ Spousal Benefits – Ensure financial security for your partner with joint annuity options.
✅ Peace of Mind – Never worry about running out of money in retirement.

A 401(k)-to-annuity rollover could be a smart move to create financial security for your golden years. Let’s explore if it’s the right fit for you!

Long-Term Care BenefitsAs we age, planning for long-term care (LTC) becomes essential. Healthcare costs continue to rise...
02/17/2025

Long-Term Care Benefits

As we age, planning for long-term care (LTC) becomes essential. Healthcare costs continue to rise, and having a plan in place can protect your savings and provide peace of mind. Here’s how long-term care benefits can help:

✅ Covers the Cost of Care – Helps pay for home care, assisted living, or nursing home expenses.
✅ Protects Your Retirement Savings – Reduces the financial burden on you and your family.
✅ Gives You More Choices – Allows you to receive care where and how you prefer.
✅ Relieves Family Caregivers – Lessens the emotional and financial strain on loved ones.
✅ Tax Advantages – Some LTC policies offer tax benefits, helping you save more.

Planning ahead ensures you get the care you need while protecting what you’ve worked so hard for. Let’s discuss the best LTC options for your future!

How Life Insurance Can Help You Plan for RetirementLife insurance isn’t just about protecting your loved ones—it can als...
02/16/2025

How Life Insurance Can Help You Plan for Retirement

Life insurance isn’t just about protecting your loved ones—it can also be a powerful tool for retirement planning. Here’s how:

✅ Cash Value Growth – Permanent life insurance policies (like whole or universal life) build cash value over time, which you can access in retirement.
✅ Tax-Free Income – You can borrow against the cash value of your policy tax-free, supplementing your retirement income.
✅ Legacy Planning – Ensure your family or beneficiaries receive a financial safety net.
✅ Long-Term Care Benefits – Some policies offer riders that help cover long-term care expenses if needed.
✅ Market Protection – Unlike investments tied to the stock market, life insurance cash value is protected from market volatility.

A well-structured life insurance policy can be a smart addition to your retirement strategy. Let’s talk about how it fits into your plan!

Protect What MattersYour financial security isn’t just about today—it’s about planning for the future. The right coverag...
02/15/2025

Protect What Matters

Your financial security isn’t just about today—it’s about planning for the future. The right coverage can bring peace of mind for you and your loved ones.

✅ Life Insurance – Protect your family’s future with financial security.
✅ Long-Term Care – Ensure you get the care you need without burdening loved ones.
✅ Annuities – Secure a steady income stream for your retirement years.

Let’s build a plan that fits your needs and goals! Your future self will thank you.

Address

3433 S Campbell Avenue Suite I
Springfield, MO
65807

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