Do you feel overwhelmed by Medicare commercials, confusing deadlines, and surprise costs? In this Farm Truck Financial episode, Eric Kearney sits down with Southwest Florida Medicare expert Carmela to simplify the Medicare maze and help you avoid expensive mistakes.Schedule a farm-fresh second opinion with Retirement Wealth Advisors: https://farmtruckfinancial.com | Or call 601-THE-FARM to book a conversationWhen it comes to Medicare, it is easy to get “sold” something and never hear from that company again. That is why Eric brings Carmela back for a deeper dive into the real questions retirees ask, including Medicare Select, enrollment timing, and how Medicare fits into a full financial plan.In this conversation, you will learn how the key ages 62, 65, and 67 connect Social Security and Medicare decisions, and why the timing matters for income planning, taxes, and healthcare costs. Carmela also explains IRMAA, the Income-Related Monthly Adjustment Amount, and why Social Security uses a two-year lookback when calculating Medicare premium surcharges. (And if your income dropped due to retirement or another life change, there may be a way to appeal and get those premiums adjusted.)Eric and Carmela also break down the difference between Original Medicare with a supplement (Medigap) versus Medicare Advantage plans, including the real-world impact of provider networks and what happens when doctors move in and out of network. They cover what Medicare does not cover, including common gaps like dental, vision, and hearing, and they discuss the retirement “budget buster” that catches families off guard: long-term custodial care.If you are still working past 65, Carmela explains what to look for in employer coverage so you can delay Part B without penalties, plus an important heads-up if you are contributing to an HSA.Investment Advisory Services offered through Retirement Wealth Advisors, Inc. (RWA) an SEC Registered Investment Advisor. Eric Kearney Advisor, LLC, Retirement Wealth Advisors, LLC and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

A massive generational wealth transfer is already underway, and women are positioned to become the primary stewards of what comes next. Eric Kearney and CFP® Donna Krohn break down the real concerns, the hidden challenges, and the planning process that helps turn overwhelm into confidence.Call Retirement Wealth Advisors for a farm fresh second opinion and a complimentary review of your finances.In this highlight from Farm Truck Financial, we cover why women often face bigger longevity and healthcare questions, why “helping family” can quietly derail retirement, and how shifting from “saver” to “investor” can change the outcome of a long retirement. You’ll also hear a real story about an inheritance that felt overwhelming at first, and how a guided process helped the family move forward without panic decisions.Learn more about Retirement Wealth Advisors and schedule a conversation.

Want to feel stronger in real life, not just in the gym? Senior Fitness Specialist Buffy Hagood breaks down the simple movements that protect your independence, boost confidence, and keep you doing what you love.Visit https://myincomeplan.com for a complimentary review of your finances, and start building a stronger plan for your retirement lifestyle.On this highlight from Farm Truck Financial, Eric Kearney sits down with repeat guest Buffy Hagood, a certified Senior Fitness Specialist with advanced training in corrective exercise. Together they connect the dots between retirement planning and the one asset you can’t replace: your health.Buffy explains why it’s never too late to build muscle, how strength training improves daily living, and why functional fitness is the key to staying independent. You’ll also learn the “primal movement” checklist everyone should keep: squat, lunge, push, pull, and hinge, plus the balance and stability that come with doing them consistently.If you’ve ever struggled with lifting luggage, carrying groceries, getting up from the floor, or just moving without pain, this conversation will reframe what fitness is really for: living a stronger, longer life.Reach out to Buffy for more information on senior-focused training. And if you have questions about your retirement plan, income strategy, taxes, or portfolio, reach out to Retirement Wealth Advisors. You only retire once, so let’s get it right the first time.