LaMont Baxter PSG Financial Group

05/06/2026

What should I do about Medicare when I retire? It’s the #1 question I get from federal employees, and the answer is often buried under a mountain of myths. If you are a federal retiree, doing nothing might be the most expensive choice you make.

Let’s clear the air:

Myth: Part B is too expensive.
Fact: While the standard premium is $202.90, the savings often outweigh the cost. Plans like BCBS Basic provide an $800/year rebate, and Aetna Direct offers $900. When Medicare is primary, many plans waive deductibles and copays entirely.

Myth: I won’t be able to see my doctor.
Fact: 98% of non-pediatric physicians participate in Medicare. Access is often reported to be equal to or better than private insurance!

Myth: I’m healthy, I don’t need it yet.
Fact: It’s pay me now or pay me later. Medicare offers much more generous home health and therapy coverage than standard FEHB plans. Plus, waiting usually triggers a 10% permanent late penalty.

Myth: Part D isn't for feds.
Fact: New FEHB Part D plans include a $2,100 annual out-of-pocket cap on prescriptions.

Are you feeling a little off-balance with your retirement strategy? Don't guess( get the facts.)

https://cdn.marblism.

02/08/2026

Worried about outliving your money in retirement?

It’s a question that weighs on a lot of people, but you don’t have to figure it out alone. Join me for an easy-to-understand webinar where we’ll break down the 7 essentials of retirement planning.

We’re going to cover the big stuff:
- Mapping out your actual income needs
- Smart withdrawal strategies
- Handling inflation and RMDs
- The impact of long-term care

The goal is simple: replace that uncertainty with a clear, actionable plan.

📅 When: Wednesday, February 25, 2026
🕛 Time: 12:00 PM EST
🤝 Sponsored by: Black Association Executives

Register here: https://us02web.zoom.us/meeting/register/uk-27o-6RhO1NHXKP2OXQw

Are you feeling confident about your retirement timeline, or are there still some "what-ifs" on your mind? Let's talk about it in the comments.

01/07/2026

How does a headline thousands of miles away shift your day-to-day life right here at home? The recent Venezuela-USA conflict is more than just breaking news: it can put pressure on inflation, raise energy prices, and leave retirees wondering about their long-term financial security. For example, when global events drive up oil prices, everyday costs: your groceries, gas, even heating bills: can creep up. And for those on fixed retirement income, these changes really matter!

Are you seeing it in your budget already? Let us know how global news has you rethinking your financial plans, and remember: keeping a flexible, well-protected retirement strategy is key to weathering world events. At Protect Save and Grow, we're here to help you stay ahead.

12/03/2025

Are you feeling confident about your retirement plan as the year wraps up? Now’s the perfect time for a simple financial check-in. Ask yourself: Are your savings and investments on the right track? Have life’s unexpected changes shifted your goals? Whether retirement is around the corner or years away, a quick review now could make a big difference later.

Ready to feel more secure about your future? Let’s talk and make sure your retirement plan matches your dreams.

Already a client? We’d love to catch up and ensure your plan is on point for 2026 and beyond! Schedule your annual review meeting here: https://calendly.com/protectsavegrow/annual-review-meeting

11/28/2025

Are you worried about how RIFs (Reductions in Force) or furloughs could shake up your retirement plans? You're not alone: and it might be time to rethink your strategy.

Have you considered what an unexpected break in service could mean for your TSP, pension, or Social Security timeline? Are your savings diversified enough to help ride out a surprise disruption?

Let's talk: What would give you more confidence in your retirement strategy during uncertain times? Drop your thoughts below: your questions could help someone else in our community feeling the same stress.

11/28/2025

Could your TSP handle a surprise government shutdown? The recent shutdown showed us just how quickly financial security can shift: especially for federal employees. Do you have an emergency plan for your retirement savings? What steps would help you feel more confident about your TSP, cash flow, and long-term goals if another shutdown happens?

If you’re feeling uncertain or want to know which strategies are right for you, let’s talk. Everyone’s situation is different, but the right planning makes all the difference!

11/24/2025

Did you know there are six major risks that can threaten your financial security in retirement? Most people focus on the obvious like market volatility or outliving their savings, but it's risk #4 that often catches families off guard: unexpected health expenses.

Just last month, I met with Susan, a federal retiree who thought her coverage would handle medical surprises. When her spouse needed long-term care, their savings took a hit: and they realized too late how quickly costs add up. She wished someone had told her sooner!

Are you prepared for ALL the risks? If you're unsure, let's chat: education is your best defense.

03/26/2025

Your investment strategies and personal beliefs don’t have to be mutually exclusive. Learn more about impact investing here:

Learn how to build a socially conscious investment portfolio and invest in your beliefs.

03/24/2025

Test your estate strategy knowledge with this short quiz.

Estate management can help ensure that your assets are transferred according to your wishes while managing tax issues.