For those who already have Medicare we will be discussing Open Enrollment as well! RSVP: Required as seating is very limited. Please arrive 15-20 minutes early as parking is limited. If the parking lot is full, please park across the street in the CVS parkling lot. Are you prepared?If you had a guaranteed income for life and health care for life, would you consider retiring? Generations ago this was a commonplace. One would retire with a gold watch, a guaranteed pension, and healthcare for life. Today, however, the majority do not have such luxury. The gaps in retirement are just getting bigger and : Please join me, your local Retirement Specialists, as I provide a “FREE education only” seminar. This is not a sales event and no products will be discussed. You will be provided with a free packet full of unbiased information straight from the Department of Labor, Social Security, and Medicare. You will have worksheets to take notes, and this will be an open discussion format. So, be prepared to ask questions and be ready to learn! FREE: Want some more good news? Just for attending, AVAC will be providing a FREE, 5-day pass to their state-of-the-art health club facility. They have everything for all ages and interests. From FREE aerobic classes to swimming, and even tennis! MEET THE TEAM: Kai & Ann Chung, Jennifer Chin, Nelson Afanador Information Summary:This can be summed up in just two words: healthcare and income. Healthcare and Income What are the gaps in health care and Medicare, and how will this affect my Medicare Part B and D IRMAA? What are the gaps in Medicare? How can I protect my assets and legacy with Tax-Free monies vs. Tax-Deferral? HEALTHCARE: Long-Term Care It’s too expensive! -What are my alternatives or entitlements? Home Care? -What if I want to stay home or hire my own family? What if I don’t use it or change my mind? -Can I get my money back? What are the 3 main types of Long-Term Care coverage? HEALTHCARE: Medicare Should I delay Medicare? What are the penalties, and does it apply to me? What are the Open Enrollment Rules? -One-Time-Only vs. the Annual Enrollment Rule A, B, C, D, and what are they? Do doctors take Medicare? What is Medi-Cal/Medi-Caid? What is the difference between a Medigap vs a Medicare Advantage plan? How do insurance companies raise their rates? What does Medicare cover and NOT cover? What parts of Long-Term Care does Medicare cover? INCOME: Social Security & Pensions How do I create a pension? What are the rules and strategies for income planning? When should I elect? What if I’m married, divorced, or widowed? What if I’m still working and elect early? How do I give my social security check a boost? What strategies are still available for me to take advantage of? What is FRA? What happens if my spouse or I pass away? Entitlements and Requirements at: Ages: 59 ½, 62, 65, 66, 67, 70, 70 ½ Taxes & Penalties: Is it true that up to 85% of my social security can be taxed? What if I elect Social Security before FRA while still working? How do I keep deferring taxes? Is it possible to avoid taxes completely? What is the Estate Recovery Act? Can Medicare charge me more due to my income? What is Medicare IRMAA? COST: FREE Educational Only SeminarRSVP: Required as seating is very limited. NOTE: When coming in go to the front desk and mention my name and the workshop. You will sign in and then be escorted to the seminar room. Please arrive 15-20 minutes early as parking is limited. If the parking lot is full, please park across the street in the CVS parkling lot. GIFTS: Attendees will receive a FREE informational packet and a FREE 5-day gym membership.