Timothy Sumer

| (888) 465-9728 | stephanie@abtinsuranceagency.com | Employer Plan vs Medicare - Delaying Medicare can be a difficult decision for some, especially when you don't quite understand how Medicare coverage will compare to the employer based health plan you have now. If you are working past age 65, or your spouse is working past age 65 and you are covered on your spouse's employer medical plan, you may want to delay you Medicare coverage all together. However, the decision of whether or not to delay Medicare can depend on several different factors, which I review in today's video. Medicare questions? Need a Medicare Plan? Let us help. Our service is 100% free of charge. 888-465-9728 Medicare Supplement Rates: Medicare Part B Special Enrollment Period Guide: Who Pays First? Medicare and other coverage: How to Enroll in Medicare When You Retire: Medicare Advantage Vs. Medicare Supplement: ... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTI...

***Lively has started charging $24 or forces you to hold a minimum of $3,000 in their HSA. Due to this change, I do NOT recommend them any longer. Please do not use this company. A Fidelity HSA is currently free at this time*** An HSA (Health Savings Account) is one of the best investments you could ever make. This is especially true for anyone pursuing Financial Independence Retire Early. The HSA gives you the chance to invest your money tax-free, let your money grow tax-free, and you can even withdraw your money tax-free. In this video, I'll show you how to turn your HSA (Health Savings Account) into one of the best retirement accounts you've ever had. Car Hacking Strategy To Get Free Cars FOREVER: The Best Bash Back Credit Cards: Accepted medical expenses: Check Out My Recommendations (It helps support the channel): 🔥 M1 FINANCE Investing- Free $10 (once you deposit at least $100 within 30 days) Here's a video on how to use M1 Finance ...

McCloud Judgement | Public Sector Pension Changes What is the McCloud Judgement? If you are a Public Sector Worker and you are enrolled in your Workplace Pension, chances are you have heard of the McCloud Judgement. But what is it and how will it affect you? The McCloud Judgement affects, individuals who are a a Public Sector Worker and are enrolled in their Workplace Pension. Examples include - NHS Pension - Teachers Pension - Civil Service Pension - Police Pension - Firefighters Pension - Armed Forces Pension etc. Chapter Information (McCloud Judgement | Public Sector Pension Changes): 0:00 Introduction 0:29 Who does it affect? 0:54 The Legacy Pension 2:16 What Happened? 3:55 2015 Reform 4:29 The Problem 5:33 The McCloud Judgement 6:23 The Governments Reaction 8:37 Why 31st March 2022? 9:35 The McCloud Judgement FAQs 🔹 Commons Library - Research Briefings : DISCLAIMER - Any advice or (statements perceived to be advice) given in this video and any ot...

In this episode of the Free Marketeers, Mpiyakhe Dhlamini and Martin van Staden join Chris Hattingh as they try out a new vlog format. The trio discuss worrying developments around National Health Insurance, continued bank bailouts to State-owned enterprises, and threats to the independence of the Reserve Bank. Follow the FMF: Facebook: Twitter: Website: ... ( read more ) LEARN MORE ABOUT: Bank Failures REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing Are you tired of the constant interference of governments in the economy? Do you believe in the power of free markets to allocate resources efficiently and spur economic growth? If so, then the recent National Health Insurance (NHI) disaster, State-Owned Enterprises (SOE) bailouts, and Reserve Bank's policies may have you pulling your hair out. In this article, we will explore how these interventions have hindered m...

Why Should I Use a Health Savings Account (HSA)? Learn to budget, beat debt, & build a legacy. Visit the online store today: Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more! Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country! Ramsey Network (Subscribe Now!) • The Ramsey Show (Highlights): • The Ramsey Show (Full Episodes): • The Dr. John Delony Show: • The Rachel Cruze Show: • Anthony ONeal: • The Ken Coleman Show: • The Christy Wright Show: • EntreLeadership: ... ( rea...

The Office of Human Capital Presents “Investing in People” 2018 Federal Benefits Seminar Series The Thrift Savings Plan (TSP) PRE-SEPARATION WORKSHOP - RETIREMENT AND BEYOND! The Division of Pay and Benefits within the Office of Human Capital will host an exciting seminar on the Thrift Savings Plan (TSP) on Thursday, October 4th, 2018. Come and learn steps to prepare for retirement including how to turn your TSP savings into income; TSP income options; rules to withdraw from your TSP account and much more! This seminar is designed for all federal employees covered under the Federal Employees’ Retirement System (FERS), the Civil Service Retirement System (CSRS), members of the Uniformed Services, and other employees eligible to participate in the TSP. We accept comments in the spirit of our comment policy: As well, please view the HHS Privacy Policy: ... ( read more ) LEARN MORE ABOUT: Thrift Savings Plans REVEALED: Best Investment During Inflation ...

We accept comments in the spirit of our comment policy: As well, please view the HHS Privacy Policy: ... ( read more ) LEARN MORE ABOUT: Thrift Savings Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing On March 12th, 2019, the Thrift Savings Plan (TSP) announced that it would be making some changes to its funds. The TSP is a retirement savings plan for federal employees and members of the military, and it is one of the largest retirement plans in the world, with over $500 billion in assets. The TSP will be adding two new funds to its lineup: the TSP F Fund and the TSP I Fund. The F Fund will invest in a broad range of fixed-income securities, including U.S. Treasury bonds, corporate bonds, and mortgage-backed securities. The I Fund will invest in international stocks and bonds. In addition to the new funds, the TSP will also be changing the benchmarks it uses for ...

#BRNAM #1244 | Is there a resurgence of DB pension plans? | John Lowell, October Three Consulting | #Tunein: broadcastretirementnetwork.com or your #favorite #streaming / #podcast / #smarttv / #localtv / #digital #platform... ( read more ) LEARN MORE ABOUT: Retirement Pension Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing In recent years, the shift towards defined contribution (DC) pension plans has been significant. However, a new trend has emerged which suggests a possible resurgence of defined benefit (DB) pension plans. DB pension plans are retirement plans that provide a specific monthly benefit upon retirement, based on a predetermined formula which usually takes into account an employee's salary, years of service, and age. On the other hand, DC plans are retirement savings plans that allow employees to contribute money towards their retirement and re...

In this video, we interviewed an elder care attorney who shared how you should be thinking about what's ahead. Often overlooked or misunderstood, here is your chance to learn from one of only 19 Elder Care Law attorneys in the state. If you want to protect your assets, you NEED to watch this video! Elder care is a topic that is often ignored, but it is one that is very important. In this video, we share with you some of the basics of elder care, including what it is, how it works, and who is responsible for it. This video will help you create the best plan for elder care and teach you how to best protect your loved ones! Learn more about Lisa: Get to know us at: Follow us on social media: ... ( read more ) LEARN MORE ABOUT: IRA Accounts TRANSFER IRA TO GOLD: Gold IRA Account TRANSFER IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA As individuals age and their health declines, it becomes important to focus on managing their c...

In this episode, we are talking about types of Enrollment Benefits. Chapters: 0:00 - Intro 0:48 - Retirement contribution 3:35 - Roth 401(k) or regular 401(k) 6:39 - Allocations 9:30 - Health Care FSA 11:26 - Dependent Care FSA 14:19 - Insurance Benefits 18:20 - Other Benefits 19:04 - Health Savings Account (HSA) You can find us at: Gabriel Kaplan - wealthhabits.com || twitter: @gabrielkaplan Robinson Crawford - montave.com We appreciate you watching the channel each week, telling your friends about us, and being an awesome audience. See you soon! Nothing we're doing here should be considered one on one financial advice. Rather, we are here to educate and to invite you into the conversation. See our disclosures here: Subscribe here for instant alerts whenever our new video goes live: 👍 LIKE what we're doing? Smash the thumbs up! 🔔 SUBSCRIBE with "all" notifications to know when we're on... ( read more ) LEARN ...

With the IRS and Treasury Department releasing their long-awaited, proposed 457(f) regulations regarding deferred compensation plans, it is important to understand how these new standards and rules may apply to programs at your organization. The webinar will be led by Gallagher Integrated’s Total Compensation and Rewards thought leader Toni Dolby, in conjunction with Kirk Sherman and James Patterson, attorneys with Sherman & Patterson Attorneys at Law.... ( read more ) LEARN MORE ABOUT: Retirement Planning REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing The Internal Revenue Service (IRS) recently released proposed regulations for 457(f) deferred compensation plans. The proposed regulations provide guidance on how employers and plan sponsors can design and operate 457(f) plans in order to comply with the rules and regulations set forth by the IRS. In order to help e...

The Office of Human Capital Presents “Investing in People” 2019 Federal Benefits Seminar Series Financial Planning for Retirement Learn the keys to financial management, sound investment strategies, and retirement planning from a leading finance industry expert! This event is designed for ALL CMS employees. We accept comments in the spirit of our comment policy: As well, please view the HHS Privacy Policy: ... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA https://inflationprotection.org/2019-may-16th-estate-planning-wills-and-trusts/?feed_id=55693&_unique_id=63b0e6007d145 #Inflation #Retirement #GoldIRA #Wealth #Investing #beneficiaries #CMS #eHealth #HealthCare #Healthcare #Medicaid #Medicare #Providers #SpousalIRA #beneficiaries #CMS #eHealth #HealthCare #Healthcare #Medicaid #Medicare #Providers

We accept comments in the spirit of our comment policy: As well, please view the HHS Privacy Policy: ... ( read more ) LEARN MORE ABOUT: Thrift Savings Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing https://inflationprotection.org/2017-apr-26th-thrift-savings-plan/?feed_id=50513&_unique_id=639d095d51dfa #Inflation #Retirement #GoldIRA #Wealth #Investing #beneficiaries #CMS #eHealth #HealthCare #Healthcare #Medicaid #Medicare #Providers #ThriftSavingsPlan #beneficiaries #CMS #eHealth #HealthCare #Healthcare #Medicaid #Medicare #Providers

The best accounts to invest in are generally those with the lowest fees and taxes as those are an investor's greatest enemies. A typical doctor may have access to some or all of the following tax-protected accounts: Retirement: 401(k), 403(b), 457(b), 401(a), Profit-sharing plan, Defined Benefit/Cash Balance Plan, Individual 401(k), SEP-IRA, SIMPLE-IRA, traditional IRA Roth 401(k), Roth 403(b), Roth 457(b), Roth IRA Taxable (i.e. non-qualified) account Education: 529 Coverdell Education Savings Account Taxable account Healthcare: Health Savings Account Taxable account General Investing: Taxable investing account An employee ought to become an expert in the accounts his employer offers. The self-employed physician will generally want to use an individual 401(k). Most doctors will want to use a Backdoor Roth IRA. Those who are using a High Deductible Health Plan should take advantage of a Health Savings Account, a triple tax-free Stealth IRA. 529s are generally superi...

How can you make filing your taxes as an independent contractor as easy as possible? How will tax reform affect your locum tenens career in the years to come? Barton Associates Tax Guide author and healthcare tax expert Andrew D. Schwartz, CPA, addressed these questions and more in our recent webinar. The 2017 Tax Cuts and Jobs Act contains provisions that may affect how independent contractors pay taxes on income earned in 2018. Watch our webinar recording to review tax basics such as common deductions, retirement accounts, health savings accounts, estimated quarterly taxes, planning tips, and considerations for locum tenens providers in 2018 and beyond!... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA https://inflationprotection.org/webinar-master-tax-season-filing-taxes-and-navigating-tax-reform-as-a-locum-tenens-provider/?feed_id=...

The policy option presented here was chosen to stimulate discussion, but is only one of several options examined by the author in the report "Physician payment mechanisms: An overview of policy options for Canada." Presenter and author: Pierre-Thomas Léger, HEC Montréal This is one in a series that puts forward tangible policy options for addressing the sustainability of Canada's healthcare. The series presents possibilities and opportunities for improving efficiency and providing additional revenue. On July 10, 2011, these options were presented to an international audience gathered in Toronto for the annual iHEA conference. They were selected by the presenters themselves, who are also authors of knowledge syntheses about healthcare financing that were commissioned by CHSRF (many other options are presented in their syntheses, which you will also find here). This proposal: Profit-sharing programs allow hospitals to provide bonuses to physicians ba...