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How IRMAA will impact ALL retirees

IRMAA - What you need to know... It is important that everyone understands the potential obstacles for a successful retirement. As people transition from the accumulation phase (people at work) to the distribution phase (your money at work), it is critical to understand what health care expenses and taxes will do to your plan.  We wanted to bring to light a very important development in recent years which will impact all retirees. IRMAA – and no, we are NOT talking about your favorite Aun
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Inspire to be a part of your community

One of the great qualities of our team is the desire to want to be a part of the community. It’s important to find purpose outside of your career and we are proud to say our team focuses on that. Here are a few highlights on how our team likes to get involved: In Jay Weyers words, “My community involvement began in ministry activities at my church home, Light of Christ Lutheran Church in Algonquin, IL. As part of a team that created a men’s ministry program there, serving
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Market Volatility

We are currently in a period of a great deal of market volatility. This will continue until the economy enters a contractionary phase which may ultimately result in a recession. A recession will result in a market correction, with the market going downward. It is impossible to predict the depth of the market correction, or the duration.  We also don’t know when that will occur, as there are many factors that contribute to an economic recession. For our clients that we have been meetin
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My journey to where I am today

I have had many titles and roles in my adult life and worn a lot of different “hats.”  Working in a business where relationships are key makes sense to me.  Did I ever think that I would be an owner of my own business?  NO!  Did I ever think that I would be working side by side with my husband in this business for over twenty years?  NO!  My journey to this point in my life has been a crooked yet enjoyable path. I grew up in Rochester, MN, home
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What led me to become a Financial Adviser...

Growing up in Freeport, IL, a small rural community afforded many things. Namely Quiet days, Star filled Skies at Night, the sound of far-off thunderstorms during the summer, and the need to be outside. All the time. Be home when the porch lights were on was the calling card. That, and over 100 acres to explore, fish and play in.This rural upbringing also led to additional aspects of my life. A sense of community within our neighborhood (2 miles out of the city), Our church and the love of sport
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Why did I choose to become a Financial Adviser?

As often happens when making a significant choice in life, I was at a crossroads. The company I was working for in the food brokerage business and the entire industry was going through some cataclysmic changes. The future no longer promised me what I had hoped to happen, and it was clear to me that I needed to be proactive and make a change. So, what is next in my life? I really did not want to work for anyone as an employee and I wanted to get more control of my future; doing what I wanted to d
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What you need to know about Medicare NOW

Is Medicare a big deal to be concerned about? The answer is yes, and if you don’t plan accordingly, what you don’t know will hurt you. If you plan on retiring ever, you need to know about what is happening to Medicare. If you don’t sign up when you are eligible there maybe penalties. The article is not about all those television commercials you have been bombarded with lately. Yea, you know, the various spokes person talking about Medicare Advantage plans vs. traditional M
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When Should I Claim My Social Security Benefits?

As people approach retirement, one of the biggest financial decisions that needs to be made is when to claim Social Security retirement benefits. The basic questions are: Should I choose to receive benefits at full retirement age (66 or 67)? Should I choose to receive a smaller monthly benefit before retirement age (as early as age 62)? Should I wait past full retirement age to receive a larger monthly benefit (up to age 70)?   As important as this decision is, there’s no one
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Inflation: What is it and what do I do about it?

If you have bought gas for your car or groceries recently you probably have noticed an uptick in prices. This is an example of inflation that is easily understood by everyone. The harder thing to understand is why it happens.Inflation happens for many reasons. One of those is when too few goods are available to meet consumer demand. An issue contributing to this right now is a supply chain shortage and labor shortages, which are interconnected. Current news coverage says labor issues are causing
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This is a BIG deal! Are Zero Returns Coming Our Way?

This chart shows how the stock market has performed over time. Notice the periods of time where there were zero returns? What does that mean for you?Weyers McKeever Financial Partners can provide guidance and strategies to help minimize these periods of zero return, call today to schedule a phone call with our team.
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Premium Finance Life Insurance

One of the more interesting developments in the last few years has been the opportunity for more households and business owners to take advantage of a strategy which includes bank financing for funding life insurance premiums. The reason why bank financed life insurance is so attractive is that a policy holder will gain the advantage of using other people’s money (sometimes referred to as OPM or by the term “leverage”) to help them increase their wealth, protection, and tax-fre
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2021- The year with the most planning issues to discuss in my 25-year career

Never before in my career have I witnessed the number of planning issues that need to be addressed compared to what is occurring this year.This list includes some of the issues that everyone needs to keep in mind as we move forward in 2021:Stock Market The market is at an all-time high with inflation increases for this last quarter as indicated by Big Charts from Market Watch as of June 2, 2021. What happens next? Is a significant market correction imminent?
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Health Insurance Things to Think About for Retirement Planning

Long-Term Care Insurance: What it Is and What it Is Not One of the largest risks to your retirement plan is the need for Long-Term Care. 69% of those turning 65 this year will need some kind of long-term care during their life, according to longtermcare.gov. Long-Term Care creates a cash flow issue. It is not an asset problem. The problem is not only what will it cost for residential care, which could be $60,000 to $100,000
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The Value of Roth IRAs

The Value of Roth IRAs“It’s not what we don’t know that hurts. It’s what we know that ain’t so.”, Will RogersUnfortunately, there is a great amount of disinformation distributed by financial journalism that is not in the public’s best interest. I asked a mentor of mine why that is, and he replied that the media (magazines, financial TV shows, newspaper articles) are not knowledgeable enough to know the truth, and that they are happy to accept the sponsor
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Who needs to watch action movies when this stuff is going on? - Feb 2021

Wow! Chaos! Divisiveness! Nasty name calling! Conspiracy theories! Who needs to watch action movies when this stuff is going on?In our client meetings this past month, many concerns have been voiced by our clients about the impact on the future of the economy from the change in the Presidential Administration, the political environment (polarized parties, presidential impeachment, lawmakers under attack, etc.), and the pandemic.Interestingly, during all this pandemonium the stock market has been
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Check the background of this financial professional on FINRA's BrokerCheck