Retirement Planning Archives

HSA Insurance IRMAA Long-Term Care Long-Term Care Insurance Retirement Retirement Planning

Your HSA in Retirement: Medicare Premiums, Delayed Reimbursements, and Heirs

By Marc Gilman Call (800) 927-9326 | Email marc@gilmanagency.com Most people think of a Health Savings Account (HSA) as a…

Marc GilmanOctober 19, 2026

Insurance Life Insurance Retirement Planning Universal Life

Universal Life Insurance: The Four Types and What To Ask Before You Buy

By Marc GilmanQuestions? Call (800) 927-9326 or email marc@gilmanagency.comKey TakeawaysUniversal life (UL) is permanent life insurance with flexibility. Within limits,…

Marc GilmanOctober 15, 2026

Annuity Insurance Retirement Planning

Indexed Annuities in the Headlines: What Can Change After You Buy

By Marc Gilman Questions? Call (800) 927-9326 or email marc@gilmanagency.com Key Takeaways A Wall Street Journal story (Oct. 10, 2026)…

Marc GilmanOctober 14, 2026

Annuity Insurance Pension Retirement Retirement Income Retirement Planning

The Secret to a Happier Retirement: Friends, Neighbors, and Guaranteed Income

By Marc Gilman Questions? Call (800) 927-9326 or email marc@gilmanagency.com Key Takeaways Economists who study "happiness research" have found a…

Marc GilmanOctober 5, 2026

Insurance IRMAA Medicare Medicare Supplement Retirement Planning

Should You Keep Your Employer Insurance or Go on Medicare at 65?

By Marc Gilman Questions? Call (800) 927-9326 or email marc@gilmanagency.com Key Takeaways Turning 65 while still working doesn't automatically require…

Marc GilmanOctober 3, 2026

Annuity Insurance IRMAA Medicare Retirement Retirement Income Retirement Planning RMD

Can a QLAC Help You Avoid Medicare’s IRMAA Surcharge?

By Marc Gilman Questions? Call (800) 927-9326 or email marc@gilmanagency.com Key Takeaways A QLAC lets you move IRA and retirement-plan…

Marc GilmanOctober 2, 2026

Annuity Insurance Retirement Retirement Income Retirement Planning

Why the 4% Rule Keeps Shrinking — And Why More Retirees Are Adding Guaranteed Income

By Marc Gilman Questions? Call (800) 927-9326 or email marc@gilmanagency.com Key Takeaways The "safe" retirement withdrawal rate keeps getting smaller.…

Marc GilmanSeptember 19, 2026