How do you end the year right?

The end of the year provides a great opportunity for awareness

Sometimes it feels like a year can disappear in the blink of an eye. When you look back over the previous 12 months, you might be surprised at what may have changed for you, whether that’s in terms of the economy at large, your individual finances or your personal circumstances.  Sometimes it may even take a year to be ready to start moving through a life changing event.

That’s why the end of the year is a good time to review your accounts and investments and make smart adjustments for the new year. Also, with tax season around the corner, reviewing your portfolio and personal finances now could potentially help reduce your tax liability.

Use the buttons below to use this resource.  

2023 Countdown

Time to look at starting the year right!


Download the resource here.

If Medicare enrollment rules are not followed correctly, you may be subject to significant penalties. It is important to understand available options, applicable deadlines, and your unique circumstances in order to properly enroll in Medicare and avoid penalties.

To help make this analysis easier, we have created the Will-I-Avoid-Medicare-Enrollment-Penalties-2022 flowchart. It addresses some of the most common issues that clients face, including:

  • Impact of employee headcount for those covered under an employer plan
  • Special Enrollment Period rules
  • Penalties for delaying Part A, B, & D
  • How a creditable drug plan could impact Part D late enrollment penalties

Download flow chart here

Planning around Income-Related Monthly Adjustment Amount (“IRMAA”) surcharges has become more important as the Medicare premium increase amount has grown in recent years. While on the surface the concept is pretty straightforward, there are a few issues that can cause an unexpected wrinkle for you. It can be difficult to avoid pitfalls, and to recognize when you may be able to request an exception from the IRMAA surcharge.

To help make this easier, please use the resource “Will I avoid IRMAA Medicare surges?” flowchart. It addresses some of the most common issues that arise for a client on Medicare, including:

  • IRMAA surcharges for Part B and Part D based on MAGI ranges
  • Situations to request an exception and the form to complete
  • Relevant tax year for the surcharge calculation

Download resource here

Determining when to enroll in Medicare can be complicated. Depending on the your situation, you may be automatically enrolled or you may have to proactively enroll. 

If you must follow the Initial Enrollment Period rules, there is the added complication of determining when coverage starts.

To help make this analysis easier, we have created the ‘Will I be automatically enrolled?” flowchart. It addresses some of the most common Medicare issues that arise when a client turns 65, including:

  • Impact of age on enrollment
  • Automatic enrollment events
  • Initial Enrollment Period rules
  • Coverage start dates for Part A, B, & D 

Download resource here

Many folks currently rely on Medicare plans for their health care coverage. They may have enrolled in Original Medicare or Medicare Advantage, and they likely have prescription drug coverage as well. For current beneficiaries of all of these plans (Medicare A, B, C, and D), October 15 marks the beginning of the Open Enrollment Period, during which changes in coverage may be made. 

This flowchart helps guide you through a series of considerations when evaluating and comparing their Medicare options. It covers:

  • Changes in health care needs
  • Costs of premiums, deductibles, etc.
  • Access to specific providers, services, and prescription drugs
  • Out-of-state concerns
  • Effective dates of any changes

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Greater Indy:
14074 Trade Center Drive, Suite 240
Fishers, IN 46038

Lafayette:  Life Building Downtown
300 Main Street
Suite 412
Lafayette, IN 47901

Indy Offices - 317.207.0730

HQ located in the Yeagar building just southwest of 141st and 37 in Fishers

Lafayette Office 765.201.0730

Located on the northwest corner of the square downtown