Jester Insights

You may be better off smoking than investing into a Traditional IRA or 401(k)

It’s not up for debate, smoking is bad for you. It leads to cancer, harms every single organ in the body and has become somewhat expensive as well, but when planning for retirement you may be better off smoking than investing into a Traditional IRA or 401(k). Sounds ridiculous, we know, but with the understanding […]

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U.S. Debt is over $20 Trillion…don’t worry about it, you will pay it down…really.

It is being reported that the U.S. debt is over $20 Trillion and for many there is a belief that there is no turning back as there would appear to be no ability to even attempt to pay off this huge amount let alone some of it…unless of course there are some reform to how our nation’s […]

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Ken Fisher is wrong about Annuities – federal regulations are the reason

Most regular viewers of financial news on cable TV will recognize the name Ken Fisher of Fisher Investments and his lack of love for annuities. In fact he hates them and is telling everyone who will listen to him as much. You can see his commercial here, where he even says he would die and […]

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In Retirement Health Coverage through Medicare is mandatory.

In Retirement Health Coverage through Medicare is mandatory. With changes to Social Security’s Program Operations Manual system (POMS) in order for someone who retires, is 65 years-old or older and would like to receive their Social Security benefit health coverage through Medicare is mandatory. In 2005, a challenge was brought forth to the Department of […]

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4 conversations that must take place with your financial advisor

4 conversations that must take place with your financial advisor! In retirement income is the key. Without it the ability to maintain your life-style as well as fund the basic necessities is next to impossible. Unfortunately, though, the rules have changed and not all income is the same in retirement. When it comes to health […]

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Income in retirement is not what you think when your health is on the line

Income in retirement is essential. The problem, thanks to federal regulations, is the fact that having too much of it will lead to surcharges (taxes) on top of your Medicare premiums. These surcharges are based on Medicare’s Income Related Monthly Adjustment Amount (IRMAA). What types of Income will Medicare look at?   Income is defined, […]

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Looking at Reverse Mortgages? You may want to

Planning for retirement is on the hearts and minds of almost every single Baby Boomer, roughly 76 million Americans. Survey after survey happens to lead to the fact that planning for health care as well as planning for Long-Term Care (LTC) is a major concern. The reason for this is that many of these Baby […]

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