Ric Komarek, CFP®Healthcare is often the biggest wild card in retirement. Let's break down Medicare basics, avoid the dreaded IRMAA cliff, and build a strong moat to protect your life's savings
Ric Komarek, CFP®Did you know the income you earn in 2025 determines your Medicare premiums for 2027? It’s called the IRMAA surcharge, and it can be a nasty surprise. Here is how to manage your income today to avoid paying extra for healthcare down the road. #RetirementPlanning #Medicare #IRMAA #FinancialFreedom
Ric Komarek, CFP®It's Medicare Open Enrollment! Don't just "set it and forget it." Your drug plan's (Part D) formulary is changing. Let's make sure your prescriptions are still covered for 2026.
Ric Komarek, CFP®It's Open Enrollment! Are you choosing the right health account? Let's break down the "triple-tax-savings" of an HSA vs. the "use-it-or-lose-it" FSA to get you real, hard-dollar tax savings.