Davis Fin&cials

05/26/2026

DID YOU KNOW..... The new student loan repayment plan launches July 1 — it caps payments at 10% of income, takes 30 years to forgive, and replaces every IDR plan.

Are you ready for the payment that is coming your way? This is NOT to be ignored. IF you do nothing you will still have the standard payment deducted from your account monthly.

LET's talk before it is too late and strategize your game plan.

Like this post or DM us so we can get you on our schedule.

Read the article:

05/25/2026

Medicare made simple!

Turning 65? Confused about your options?

At Covered by Doll, Inc., we help you understand your choices so you can feel confident, covered, and cared for.

Call us today at 254.307.1732 or visit https://calendar.app.google/SjSo1q7eY4wzQ8MB7 to get started by scheduling your FREE Medicare 101!

Learn how Google Calendar helps you stay on top of your plans - at home, at work and everywhere in between.

05/22/2026

Let's talk about your options. https://calendar.app.google/SjSo1q7eY4wzQ8MB7

05/21/2026

🎉Are you or a loved-one turning 65 Soon? Let’s Talk Medicare🎉
Are you getting ready to transition from employer or group health insurance to Medicare? You are NOT alone — and trust me, Medicare can feel overwhelming and confusing if you’re trying to figure it all out by yourself. 🩺📋
Here’s what many people don’t realize 👇
✅ You have a 7-Month Initial Enrollment Period:
• Begins 3 months BEFORE your 65th birthday
• Includes your birth month
• Ends 3 months AFTER your birth month

Missing your enrollment window could lead to:
⚠️ Late enrollment penalties
⚠️ Delays in coverage
⚠️ Higher costs later

Every situation is different. Some people are still working and may stay on employer coverage, while others need to enroll right away.

That’s why it’s SO important to have a knowledgeable Medicare Advisor and Advocate who can walk you through your options and help you avoid costly mistakes.

Medicare is life-changing coverage — and you deserve someone who will help you understand whether your current coverage still works.

We are here to help make the process easier and less stressful! Oh, & did I mention my service to you is completely FREE! I am also here as your personal Medicare agent for the entire year, year after year! 💙

📞 Call: 254.307.1732, DM me, or schedule your appointment @
🌐 https://calendar.app.google/SjSo1q7eY4wzQ8MB7

Let’s schedule your Medicare Checkup! Your health coverage matters. 🩺✨

Learn how Google Calendar helps you stay on top of your plans - at home, at work and everywhere in between.

05/20/2026

🧠Knowledge Drop: Think a 401(k) Is Your Only Retirement Option? Think Again.

Most people hear “retirement planning” and immediately think of a 401(k).

But the truth is—there are several ways to build income for your future, and depending on your job, business, or financial goals, your best option may be something completely different.

Retirement planning is not one-size-fits-all.

Here are a few retirement strategies people should know about:
✔ 401(k) – Employer-sponsored retirement plan
✔ Roth IRA – Grow your money tax-free and withdraw qualified funds tax-free in retirement
✔ Traditional IRA – Potential tax advantages depending on your income and long-term goals
✔ 403(b) – Common for teachers, churches, nonprofits, and some hospital employees
✔ 457(b) – Often available for government employees and certain nonprofit organizations
✔ Annuities – Can help create guaranteed retirement income and personal pension strategies
✔ IULs (Indexed Universal Life) – Can be used for supplemental retirement planning when structured properly
✔ SEP IRA / Solo 401(k) – Great options for business owners and self-employed individuals

The goal is not just to save money.

The goal is to create income, flexibility, tax advantages, and protection for your future.

Too many people are relying on one source and hoping it will be enough.

Retirement planning should be a strategy—not a guess.

If your current retirement plan is just “I have a 401(k),” it may be time to look at the bigger picture.

Let’s build a plan that actually works for your future.

Contact us today or schedule a FREE consultation

Learn how Google Calendar helps you stay on top of your plans - at home, at work and everywhere in between.

05/19/2026

Life insurance is for the living Funeral Pre-Arrangements are for the dead. Which one do you have in place?

Need to be educated so you can make and informed decision? Schedule your FREE consultation directly on our calendar: https://calendar.app.google/Gr1jq9uVe48qnXUx6

We look forward to speaking with you and guiding you along the way.

05/19/2026

🧠Knowledge Drop🧠: Let’s Talk About IULs (Indexed Universal Life)

One of the biggest misconceptions I hear is: “IULs always run out of money.”

The truth is—an IUL can lapse early, but usually only when it was not funded properly from the beginning.

An IUL is a flexible premium life insurance product designed to provide life insurance protection while also building cash value over time.

The key word is FLEXIBLE.

That means if too little premium is going in, too much is being taken out, or the policy was designed incorrectly, it can lapse early. But when structured correctly and reviewed regularly, it can be a strong long-term financial strategy.

What can an IUL be used for?
✔ Life Insurance Protection
✔ Tax-Advantaged Retirement Planning
✔ Supplemental Retirement Income
✔ Creating Your Own Personal Pension Strategy
✔ Legacy Planning for Your Family
✔ Living Benefits Access (depending on carrier)

It is not Term Life. It is not Whole Life.

It is its own strategy—and understanding how it works matters.
Too many people buy policies they were never properly educated on.

The goal should never be “just get coverage. ”The goal should be getting the RIGHT coverage built for your actual financial goals.
Insurance should work for you while you’re living too.
If you’ve ever been curious about how an IUL works or whether it fits your financial plan, let’s talk.

Contact LaRita @ 254-307-1732 or schedule you FREE consultation slots fill up fast don't wait!

Learn how Google Calendar helps you stay on top of your plans - at home, at work and everywhere in between.

05/14/2026

***ATTENTION*** IF YOU HAVE STUDENT LOANS YOU NEED TO GET EDUCATED TONIGHT @ 6:30 PM. THIS AFFECTS YOU STARTING JULY 1ST 2026. IF YOU DO NOTHING IT WILL STILL HIT YOU FINANCIALLY.

Starting July 1, 2026, there are major changes coming to student loan programs — including repayment options, eligibility, and how payments are calculated.

And here’s the truth…
Most people won’t understand the impact until it hits their budget.

This isn’t just for people with loans —
It affects:

Parents helping kids
Household cash flow
Long-term financial planning
Credit and debt strategy
So we’re breaking it down.

Join me for this month’s Real Talk:

Thursday, May 14
Topic: Student Loan Program Changes (Effective 7/1/2026)

No fluff. No confusion. Just clarity.

Save your spot regiser here:
https://us06web.zoom.us/meeting/register/gQig0fV0QA6wJELSEMz6oA

Know someone this affects? SHARE THIS POST— they’ll thank you later.

Plan with Purpose. Prepare with Confidence.

LaRita

05/14/2026

***ATTENTION*** IF YOU HAVE STUDENT LOANS YOU NEED TO GET EDUCATED TONIGHT @ 6:30PM. THIS AFFECTS YOU STARTING JULY 1ST 2026. IF YOU DO NOTHING IT WILL STILL HIT YOU FINANCIALLY.

Starting July 1, 2026, there are major changes coming to student loan programs — including repayment options, eligibility, and how payments are calculated.

And here’s the truth…
Most people won’t understand the impact until it hits their budget.

This isn’t just for people with loans —
It affects:

Parents helping kids
Household cash flow
Long-term financial planning
Credit and debt strategy
So we’re breaking it down.

Join me for this month’s Real Talk:

📅 Thursday, May 14
Topic: Student Loan Program Changes (Effective 7/1/2026)

No fluff. No confusion. Just clarity.

👉 Save your spot regiser here:
https://us06web.zoom.us/meeting/register/gQig0fV0QA6wJELSEMz6oA

Know someone this affects? SHARE THIS POST— they’ll thank you later.

Plan with Purpose. Prepare with Confidence.

LaRita

05/07/2026

Did You Know? 🤔⚘

You can pre-arrange your funeral today… and have it completely paid off in as little as 3 to 7 years.

Planning ahead isn’t about expecting the worst — it’s about protecting the people you love most. ❤

✔ Lock in today’s prices
✔ Ease the financial burden on your family
✔ Make your personal wishes known
✔ Flexible payment options available
✔ Peace of mind for you and your loved ones

Many families are surprised to learn that funeral costs continue to rise each year. Pre-planning allows you to make thoughtful decisions now, instead of leaving difficult choices to your family later.

A pre-arranged funeral can cover:
⚘ Burial or cremation
⚘ Service preferences
⚘ Music & readings
⚘ Transportation
⚘ Final wishes and personal touches

The greatest gift you can leave your family is not confusion or financial stress — it’s peace of mind.

Message us today to learn how simple and affordable pre-planning can be. 📩

Davis Fin&cials is here to help! Schedule today!