The Hermes Agency

03/22/2026

03/22/2026

🚨 **Retirees: A Hidden Medicare Rule Could Cost You Thousands More Per Year**

Most retirees have never heard of **IRMAA**—until their Medicare premium suddenly goes up.

IRMAA (Income-Related Monthly Adjustment Amount) can increase what you pay for **Medicare Part B and Part D** based on your taxable income from **2 years ago**.

That means:
💰 IRA withdrawals
💰 Roth conversions
💰 RMDs
💰 Capital gains

…can all trigger higher Medicare costs.

⚠️ Even being **$1 over an income threshold** can push you into a higher bracket.

Many people do a great job saving for retirement but never realize how income decisions can affect Medicare, taxes, and long-term cash flow.

A few small adjustments can sometimes save significant money over time.

📩 If you want to see whether IRMAA could affect your retirement income strategy, send me **“INFO”** in a message or comment below, and I’ll reach out.

Send a message to learn more

03/21/2026

A lot of people think life insurance is only about leaving money behind when you pass away — but the truth is, the right policy can do much more for your family while you’re living too.

A few things most people don’t realize:

✅ Some policies can help protect your income
✅ Some can build cash value you may access later
✅ Some can help cover final expenses so your family isn’t burdened
✅ In many cases, coverage is more affordable than people expect

The biggest mistake I see is people waiting until health changes or rates increase before looking at options.

If you’ve ever wondered:
• “How much coverage do I actually need?”
• “Is term better than permanent?”
• “Can I build tax-advantaged money inside a policy?”

Send me a message or comment “info” and I’ll help you understand your options — no pressure, just education.

A 10-minute conversation today can save a lot of stress later. 💬📩

Send a message to learn more

01/19/2026

Hey friends, family, and followers 👋

Many of you know I work in the insurance and financial services space, and over the past year I’ve been helping people protect their families, lower monthly expenses, and plan a little more confidently for the future.

I’m opening up a few spots to do free, no-pressure reviews for anyone who wants to:
✔️ See if they’re overpaying
✔️ Make sure their family is properly protected
✔️ Understand options they may not even know exist
✔️ Or just ask questions they’ve been putting off

No sales pitch, no obligation — just real conversations and honest guidance.

If you’re curious or just want more info, send me a message and I’ll be happy to help. Even if it’s just to point you in the right direction 👍

Thanks for the continued support ❤️

Send a message to learn more