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Breaking Down Medicare: What You Should Know Before Enrolling

Breaking Down Medicare: What You Should Know Before Enrolling

Jason Gabrieli is joined by recurring guest Bill Webb from Saratoga Medicare Advisors to dive into the topic of Medicare. They recognize that Medicare can be a complex subject and often misunderstood, leading to surprises regarding coverage. Jason and Bill aim to provide valuable insights and dispel misconceptions about Medicare. They start by breaking down the different parts of Medicare, exploring what they cover and who is eligible. They also discuss the options available regarding Medicare supplement and Medicare Advantage plans, highlighting the differences and benefits of each. Whether you're approaching Medicare eligibility or just looking to expand your knowledge,…

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What To Do With Those Old 401(k)s

What To Do With Those Old 401(k)s

  Whatever happened to that old 401(k) at your first job? Today, learn how to manage old employer retirement plans. Throughout this episode, gain insight into the various paths you can take with accrued retirement balances from past employment ventures. Jason reviews the options available to you, discussing the benefits and drawbacks of each to aid you in making informed choices regarding your retirement nest egg. As the conversation unfolds, you'll be acquainted with options such as retaining the plan with its current status, merging it into a new employer's arrangement, shifting it to an IRA, or opting for a…

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Should You Sell Your House for $1?

Should You Sell Your House for $1?

Would it ever make sense to sell your house for a few bucks? Jason Gabrieli dives into the world of estate planning, specifically focusing on the ownership of your house. Jason addresses a common misconception about selling your house to your kids for a low price, debunking the idea that it can help avoid taxes. He explains the federal estate tax exemption and the absence of estate tax in New Jersey, shedding light on why most people don't have to worry about estate taxes. Jason also discusses the concern of protecting your house from the cost of care and the potential…

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How to Invest in A Secure Financial Future for Your Children

How to Invest in A Secure Financial Future for Your Children

Jason Gabrieli zeroes in on a topic he often discusses with clients: investing for the younger generation in your family. Jason reviews the options available to you as a parent, grandparent, or guardian to begin fostering a secure financial future for them. Jason reviews several options, including accounts available under a custodian's supervision, individual or joint investment accounts, and, of course, the classic 529 college savings plan. Tune into this episode to also learn:  What makes UTMA and UGMA accounts a secure choice for investing in the younger generation's future, and what are the caveats? How does opening an investment…

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The Marathon of Wealth: Investing Lessons from Distance Running

The Marathon of Wealth: Investing Lessons from Distance Running

Many people avoid running, which is understandable. You need to take time out of your busy schedule, only to exhaust your body. Perhaps fittingly, the same thing is true with your finances and investing. When people think about trying to get serious with their wealth, they often get intimidated, scared, and frustrated. Fortunately, there are plenty of parallels between distance running and investing. Not everyone in the world wants to become a “runner,” but the truths that tie the two disparate topics together apply to every single person who seeks financial independence. Investing, especially in the context of retirement, is…

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Taking the “Insecurity” Out of Social Security.

Taking the “Insecurity” Out of Social Security.

When to claim Social Security benefits is one of the most crucial decisions to make when planning for retirement, and only some people understand how Social Security benefits work or how to optimize their benefits, resulting in someone taking them at a sub-optimal time. Some common questions you may ask yourself include: Will Social Security be there for me? When does it make sense to delay benefits- and when does it not? Is there an optimal time? What if I'm single, divorced, widowed, married or remarried? Can I still work and collect my benefits? What is the connection with Medicare?…

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Unlock Employee Potential with an Effective and Appealing Total Rewards Program

Unlock Employee Potential with an Effective and Appealing Total Rewards Program

New Jersey businesses are adding holistic benefits and introducing Total Rewards programs designed to improve employee satisfaction. You may have heard of a Total Rewards Strategy. It is a recruiting and retention strategy given that it goes beyond the traditional salary benefits by providing holistic rewards that entail added motivation for employees. This strategy allows companies to improve employee satisfaction without compromising business goals – it's an all-around win! What is a Total Rewards Strategy? A Total Rewards Strategy is an approach that organizations take to structure and manage employees' compensation and benefits programs, encompassing both financial and non-financial incentives…

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Aging with Grace: Ensuring a Burden-Free Future through Life Care Planning

Aging with Grace: Ensuring a Burden-Free Future through Life Care Planning

  HFM is shining the spotlight on the crucial topics of elder law planning and life care planning. CERTIFIED FINANCIAL PLANNER Jason Gabrieli is joined by Brittany Tedesco, Esq. from Bratton Law Estate and Elder Attorneys, a seasoned expert in the field, who guides listeners through the various aspects and timelines associated with these services. The conversation centers around the practical side of end-of-life planning and the resources available to those navigating this process, with the objective is to ease the pressure on the family and the client, allowing them to focus on their roles without worrying about technical aspects…

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Calculating Your Optimized Social Security Formula

Calculating Your Optimized Social Security Formula

  CERTIFIED FINANCIAL PLANNER and Registered Social Security Analyst Catherine Allen-Carlozo sits with Jack McGee to delve into the world of social security and retirement planning. They emphasize the value of informed decision-making when it comes to social security benefits and retirement age. The discussion centers around exploring various options and strategies to maximize social security earnings. Accurate income figures take the spotlight, dispelling prevalent misconceptions about social security. Tune in as Catherine and Jack shed light on these crucial aspects of financial planning on this insightful episode of Dollar Wise. Tune into this episode to also learn:  What factors…

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Rich vs. Wealthy: What’s the Difference?

Rich vs. Wealthy: What’s the Difference?

  Although the two might be used interchangeably, rich and wealthy have two meanings in financial planning. CERTIFIED FINANCIAL PLANNERS Jason Gabrieli and Catherine Allen-Carlozo discuss the importance of saving, building wealth, and aligning spending with financial goals. They emphasize the role of net worth and assets in achieving financial freedom, dispel the belief that wealth is only about lifestyle and consumption, and stress the significance of living below one's means and making wise financial choices. They provide examples and insights to encourage long-term wealth building and advise against get-rich-quick schemes. Tune into this episode to also learn:  Is income…

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