Retirement Planning · Life Insurance · Updated May 2026 · 14 min read C Cindy Kowalski Licensed Independent Medicare & Retirement Advisor · Eligry LLC · NPN 21601670 This article is part of the Retirement Mistakes That Can Cost You Thousands series. Indexed Universal Life insurance is one of the most misunderstood products in all … Read more
Retirement Planning · Medicare Education · Updated May 2026 · 12 min read C Cindy Kowalski Licensed Independent Medicare Advisor · Eligry LLC · NPN 21601670 This article is part of the Retirement Mistakes That Can Cost You Thousands series. When most people first enroll in Medicare, they assume they will always be able to … Read more
Medicare Enrollment · Updated May 2026 · 11 min read C Cindy Kowalski Licensed Independent Medicare Advisor · Eligry LLC · NPN 21601670 If you are leaving your job — whether you are retiring, got laid off, or your employer is ending your coverage — one of the first questions you will face is whether … Read more
Medicare Plan Selection · Updated May 2026 · 10 min read C Cindy Kowalski Licensed Independent Medicare Advisor · Eligry LLC · NPN 21601670 Many people enroll in a Medicare Advantage plan when they first become eligible for Medicare. It makes sense at the time — the monthly premium may be low or even $0, … Read more
Your HSA Medicare transition after 65 is one of the most financially dangerous moments in a corporate executive’s retirement timeline ā and most people get it wrong. A single coordination-of-benefits misstep can trigger irreversible IRS tax penalties, disrupt your investment strategy, and lock you into lifelong Medicare premium surcharges that no severance package can fix. … Read more
If you split your retirement between two states ā whether that’s the Midwest and Florida, the Northeast and Arizona, or anywhere in between ā you’re part of a proud, long-standing tradition. But while your clothes and car transition seamlessly between states, your health insurance might not. The wrong Medicare choice can leave you completely unprotected … Read more
How to compare Part D plans is one of the most important Medicare skills you can learn ā and one of the least understood. Most people pick a plan based on the monthly premium and assume the cheapest one is the best deal. It’s not. The plan with the lowest premium can easily cost you … Read more
Medicare for snowbirds is one of those topics that sounds simple until you’re standing in a doctor’s office in January, 800 miles from your “home” state, wondering if your insurance actually works here. If you split your time between two states ā winter in Florida, summer in Indiana, or any other combination ā the Medicare … Read more
When do you sign up for Medicare? It’s one of the most common questions people ask ā and one of the most confusing to answer. The truth is, there isn’t one single enrollment date. There are at least seven different paths onto Medicare, and which one applies to you depends on your age, your work … Read more
There is a specific kind of quiet panic that sets in around February or March. It’s the sound of a phone clicking shut after a three-hour marathon with a customer service representative who is reading from a script in a city three time zones away. It’s the realization that the “free” gym membership and the … Read more