Thing One Medicare Open Enrollment Begins This Week. Are You Properly Covered? Medicare's Annual Enrollment Period (AEP) begins October 15 and runs through December 7. During this period, Medicare beneficiaries can review their coverage and make changes for 2027, with those changes taking effect January 1. Even if you're satisfied with your current coverage, this is a good time to make sure you understand what you're paying for, what your insurance actually covers, and pe

Thing One When Medicare Advantage Works—and When It May Be Challenging Recently, I worked with a client enrolled in a Medicare Advantage plan who experienced a serious fall. Following the injury, the client required skilled nursing care. When the family began exploring facility options, they learned that the nursing home they preferred was not part of the plan’s provider network. This created additional challenges at an already stressful time and highlighted some of the p

Thing One Leave Your Spouse A Financial Roadmap We recently read a WSJ story about Alice Nakhimovsky, a 75-year-old retired professor who was left scrambling (for a whole year) to decode her late husband Sasha's financial world after his sudden death. While sharing the details of Mrs. Nakhimovsky’s story, the article's author highlighted how common it is for one spouse (often the husband) to handle all investments and bills, leaving the survivor overwhelmed. That observatio

Thing One Last week we shared a list of five topics of lifelong use to people interested in personal finance and we discussed the first...