Timothy Sumer

Join Corey Stackhouse as he dives deep into the world of Health Savings Accounts (HSAs). Discover the benefits, tax advantages, and unique ways you can leverage your HSA for future financial well-being. 📌 Important Note: Always consult with your trusted financial advisor, CPA, or legal counsel before making any decisions. Every individual's financial situation is unique. 👍 Support Our Channel: If you find value in our content, please give us a thumbs up, share with others, and don't forget to subscribe for weekly insights into the world of finance! For personalized financial planning and tax advice, reach out to us. Contact details are below: Corey M Stackhouse, CFP® Financial Advisor | Insurance Agent ​| Owner www.stackenterprises.com 516 S. Ohio Ave - Sedalia, MO 65301 (660)570-4114 (Call or Text!) Stack Enterprises is a registered investment adviser. Information presented is for educational purposes only and does not intend to make a...

Single people can and do retire comfortably. Many of the retirement planning concepts are the same as they are for couples, but it’s wise for singles planning for retirement to pay extra attention to long-term care and other topics. Please note that I try to continually improve content on this topic, and my latest information is at 🙋 Do you have suggestions for how singles can plan for retirement and long-term care? Please share in the comments below or send me an email! With Social Security or a pension, you get a base of income. If that’s not sufficient to cover your after-tax spending needs, you typically supplement that income by spending from your retirement savings—your 401(k), 403(b), IRAs, etc. Most people don’t “live off the interest.” Instead, they spend down their assets, so it’s important to have a robust investing and income plan that accounts for taxes, inflation, unpredictable markets, and other surprises. See the most important aspects of re...

What is a Medicaid Compliant Annuity? In this episode, Chris Berry answers: What is a Medicaid Compliant Annuity and how does it work? ___________________________________________________________________________ Attorney and Financial Advisor Christopher Berry of Castle Wealth Group answer questions on retirement and estate planning every Wednesday at 1pm. Register here or give our office a call at 844-885-4200. Castle Wealth Group and Christopher Berry help families with estate planning, elder law, retirement planning, and tax planning from their Brighton, Ann Arbor, Livonia, Bloomfield Hills, and Novi offices. Castle Wealth Group helps families with their legal, financial, and tax planning for their retirement and legacy. With the use of legal structures like revocable living trusts, Castle Trusts (asset protection trusts), Chris Berry and Castle Wealth Group can help your family plan, protect, and preserve what is important through their Retirement and Legacy Bluepri...

#RothIRA #taxfree #retirement Are you considering doing a Roth conversion this year? Watch this video and make a more intelligent decision on how your financial future is TAXED! Do you want to pay tax on the seed or the harvest? ⚠ If everything you believed to be true about money and retirement turned out to not be true, when would you want to know? There are so many myths and misconceptions around the subject and our goal is to provide you with the FACTS and teach you why it's more important to learn "how to invest" versus "what to invest in." If I were to send you out to play in a pro golf tournament tomorrow... would you want your favorite golfers clubs or their swing? You see most people out there are selling "clubs" or an investment product without fully educating you on the "swing" of how money works. If you know anything about golf, the SWING is what makes the golfer. If you believe like most financially educated pe...

Are you looking for the best type of annuity for retirement? Don't worry, the annuity man got you covered, but I am not going to sell you annuities. In this episode, I will share an easy to understand acronym that will help you answer what is the best type of annuity for your retirement goal. Stay tuned! Watch and Enjoy! Stan The Annuity Man Request Free Owner’s Manual Here ======================== Key Moments in this Episode ======================== 00:35 PILL 01:54 Don't buy annuities for this goal 03:11 Principal protection 03:37 Income for life 04:16 Legacy 04:56 Long-term care 05:52 Story time What To Watch Next: ======================== Annuities As Part Of Retirement Portfolio Other Resources ======================== Visit Stan The Annuity Man’s website Learn more about Stan The Annuity Man Get your annuity quote here ======================== Video by Nate Woodbury BeTheHeroStudios.com #StanTheAnnuityMan #Annuity #TheAnnuityMan... ( read more ) ...

In this Zoomside Chat, Michael Ettinger discusses the strategies we can use to better protect our assets for the future. We will talk about Caregiver Agreements, Pooled Income Trust, Long-Term Care Insurance, Medicaid Asset Protection Trust and many others, along with their pros and cons. Get the Ettinger Plan: To learn more, please visit: Contact us directly: 1-800-500-2525 Ettinger Law Firm focuses exclusively on elder law estate planning. Our attorneys and paralegals work to provide asset protection and tax savings for baby boomers and senior citizens. Practicing for twenty seven years and with offices in sixteen New York State locations, Ettinger Law Firm has prepared thousands of estate plans for generations of middle class families. Chapters: 00:00 Intro 2:00 Caregiver Agreements 4:56 The Pooled Income Trust 11:54 Long-Term Care Insurance 16:11 Veteran's Benefits for Caregivers 17:18 Medicaid Exemptions 22:42 Medicaid Qualifying Annuities 25:02 Spousal Refu...

Inflation protection is powerful! Costs of care rise each year, so it's important to have inflation protection on your policy, particularly if you are younger. Kelly discusses the impact that inflation protection has in a long term care insurance policy.... ( read more ) HOW TO: Hedge Against Inflation REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing Long term care insurance is a type of insurance that covers the costs of long-term care services for individuals with disabilities, chronic illnesses or those in need of assistance with activities of daily living. However, like all types of insurance, it comes with its own set of concerns and risks. One of the greatest risks associated with long-term care insurance is inflation. Inflation may not seem like a big deal initially, but when it comes to long-term care insurance, it can severely impact an individual's ...

长期护理很重要，而且花费巨大。那我们都应该仔细了解一下长期护理。但是不是每个人都一定要规划长期护理呢？那也不是，有两类人是可以不用规划长期护理的！您是那两类人之一吗？即便是不必要规划长期护理，但是如果规划是不是更好呢？ ***** 欢迎大家订阅《潘老师小课堂》，退休生活有保障！ 想了解更详细的内容，或者有任何有关退休，年金，人寿保险，医疗保险，税务规划等等方面的，可以跟我们联系： email：panfinancialinc@gmail.com 微信：pan-financial-inc 其他相关节目 第57期： 2023 年报税须知，个人报税截止日期4月18号，早报税好还是晚报税好？现在还可以存2022年的IRA或Roth IRA吗？要注意什么？ 第56期，2023年税率更新，我们需要交多少税？所有的收入都要交税吗？有效税率怎么计算的？我们是选择标准抵扣还是逐项抵扣好？ 退休规划第52期：谁有资格用白卡Medicaid支付长期护理费用，三个条件：医生证明，收入，资产要求。联邦医保红蓝卡只支付短期费用 (LTC) 退休规划第51期：谁来为长期护理买单，国会研究处统计：Medicaid白卡是长期护理支付的最大金主，其次是Medicare 红蓝卡，接下来是个人掏腰包，保险及其他，您是哪一个类别？ 第49期 医疗保险包治百病吗？得了大病重疾，慢性病，或者需要长期护理医疗保险能保多少？有什么备选方案？Medicare红蓝卡能保吗？ 第44期：全面综合了解 Medicare 老年医保红蓝卡，IEP，65岁前后三个月开始申请，SEP/GEP，Part ABCD都包括什么？Medigap 与MA的区别 第43期：奥巴马医疗保险3个重要问题：奥巴马保险Obama Care 是不是给穷人用的？已有疾病会不会被拒保？好医生会不会不接受奥巴马保险？ 第40期：老年补充医疗保险Medigap 和MA(C)哪个好？优点和缺点，逐项详细比较，量身选择。 第39期：退休年金 vs. Pension：定量数据比较年金与Pension，年金有终身收入，税务优化，资产传承，增长潜力等优势，抗风险抗通胀 第27期：退休规划-RMD-退休金里面的钱可以一直不取吗？RMD是什么，不按时拿RMD会罚款50%，怎么计算RMD，什么时候必须拿RMD呢？ 第26期：如何申请...

#401k #taxes #retirementplanning In this video I will teach you why it is important to diffuse your 401k TAX Bomb as soon as possible. Do you fully understand the risks of your 401k or other qualified company plan? ⚠ If everything you believed to be true about money and retirement turned out to not be true, when would you want to know? If you believe like most financially educated people that taxes will be higher in the future, what is your plan? There are only 3 ways to grow your money: 🌱 TAXABLE 🌱 TAX-DEFERRED 🌱 TAX-FREE Are you going to be reactive or proactive? It really is your choice. ---------------------------------------------------------------------------------------------------------------------------------- 👇 Use the links below to connect with us further and to get more education or to set up a 1 on 1 no-cost, no-obligation appointment with James where he can review your current plan and help you identify ...

What do you do when the person you are caring for is no longer able to stay in their own home and they do not have the resources to pay for a nursing home on their own? While the laws can differ from state to state, elder law attorney Carol Bertsch explains what it takes to qualify for nursing home care with Medicaid. With real life scenarios - this informative video clearly explains this complex process of how Medicaid can help those without the financial resources to pay for nursing home care. See our other videos: Web: mmlearn.org LinkedIn: Twitter: Facebook: By: Carol Bertsch #MMLearn #SmartMoney #LongTermCare #LongTermCareHomes #MoneyFollowsThePerson... ( 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/finding-long-term-care-when-there-is-no-money/?feed_id=...

Using life insurance for death benefit protection and to help supplement retirement income.... ( read more ) LEARN MORE ABOUT: Qualified Retirement Plans REVEALED: How To Invest During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing https://inflationprotection.org/retirement-planning-using-life-insurance/?feed_id=61965&_unique_id=63c908a03b9c7 #Inflation #Retirement #GoldIRA #Wealth #Investing #annuity #Cashvalue #extraincome #financialbuckets #FinancialPlanning #futureplanning #incomeandretirement #lifeinsuranceneeds #longtermcare #NorthAmericanCompany #planningforretirement #Retirement #SammonsFinancial #Sammonsfinancialgroup #QualifiedRetirementPlan #annuity #Cashvalue #extraincome #financialbuckets #FinancialPlanning #futureplanning #incomeandretirement #lifeinsuranceneeds #longtermcare #NorthAmericanCompany #planningforretirement #Retirement #SammonsFinancial #Sammonsfinancialgroup

Waiting until age 72 to start withdrawing money from your IRA/401k seems like smart tax strategy on the surface, but when you view it over a lifetime it creates a tax problem for your heirs. REQUIRED MINIMUM DISTRIBUTIONS (RMDs) as a distribution strategy puts you on the government’s plan for distribution. Consider a distribution strategy starting in your 60s designed to lower your overall IRA tax over your lifetime. Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at CardinalGuide.com.... ( 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 https://inflationprotection.org/iras-calculating-your-rmds/?feed_id=45277&_unique_id=6388f6ed1a391 #Inflation #Retirement #GoldIRA #Wealth #Investing #401k #hansscheil #ira #lifeinsurance #longtermcare #Retirement #InheritedIRA #401k #hansscheil #ira #l...

Looking for the best Missouri retirement options? Perhaps we can help. Call us at +15733405180 to discuss your Missouri retirement options (401k, IRA, Annuities, Medicare Supplements, or LTC). Visit: No matter where you currently live -- we've got you covered with our comprehensive family office services. Since 1994, we have been helping clients retire well by creating customized retirement strategies and portfolios to meet our clients' long-term lifestyle and financial goals. More specifically, we offer retirement, estate planning, insurance, investing, accounting, tax-advantaged transfers of assets, multi-generational planning, the taxation of trusts and estates, charitable giving, pre-nuptial and post-nuptial planning, and issues relating to change of residence lifestyle services. We are a family office that offers comprehensive lifestyle and financial services, such as retirement, insurance, accounting, private banking, investment, tax, philanthropic, and as...