Retirement Resource Group

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Retirement Resource Group A holistic approach to your insurance planning. We specialize in Medicare, Life, ACA, LTC, Financial

09/30/2026

US Dividend Income for Part B Premiums
When it comes to covering Medicare Part B premiums with US dividend income, the numbers tell an important story for those planning ahead. In 2026, the standard monthly premium sat at about $203, often deducted before retirement benefits even landed in your account—making it essential to have steady, practical income streams in place. The capital you’d need to generate that income varies dramatically by yield: you might need around $70,000 at a mid-3% yield, $45,000 at mid-5%, or $25,000 if you’re chasing a 10% yield on paper. But there’s more to it than just the math. About 8% of enrollees saw their premiums adjusted based on prior-year income, sometimes facing increases down the line. While higher-yield vehicles can seem tempting, they bring real risks—return of capital, principal erosion, and cuts to dividend payouts aren’t just theoretical. Over my 15 years in insurance and financial services, I’ve seen the strongest plans emphasize reliable income sized for your bracket, prioritizing coverage, consistency, and resilience over chasing the highest headline yields. It’s not only about making numbers work—it’s about building security and peace of mind for your future.

09/29/2026

IRA vs. 401(k): How to Prioritize
Deciding between contributing to an IRA or a 401(k) can feel overwhelming, but a clear order of operations can help bring peace of mind. Over the years in financial services, I’ve found that starting with your 401(k)—at least up to the employer match—is a smart first move. Once you’ve captured that match, consider maximizing your IRA contributions. IRAs often provide more investment options and can come with lower fees, which gives you greater flexibility for your future. After that, if you have more to save, return to your 401(k) and add additional contributions. For those who need it, the backdoor Roth IRA is worth exploring. Choosing between traditional and Roth accounts? Let your expectations about future taxes guide you. My approach is always about building a strategy that will serve you—and your community—well for years to come.

09/28/2026

Medicare Leaves out Major Retirement Costs
It’s surprising how many folks nearing retirement believe Medicare will take care of all their health care expenses—when in reality, there’s a significant gap to plan for. A recent estimate puts the average retirement health care spending for a 65-year-old retiring in 2026 at $185,500. That’s a number that can catch you off-guard if you’re not prepared. Even though many expect Medicare to cover everything, it often falls short—especially as premiums rise faster than retirement benefits. Original Medicare leaves out routine dental, vision for glasses, hearing aids, and, notably, long-term custodial care. I’ve seen firsthand how these needs add up over time. Even with coverage, you’re looking at monthly Part B costs of around $203 in 2026, plus deductibles, about 20% coinsurance, and surcharges if your income is above certain thresholds. My advice, shaped by many years helping clients prepare for the unexpected, is to start reviewing Medicare’s gaps early, make the most of your one-time Medigap enrollment window, and consider building up a health savings account before you’re eligible. Planning now can make all the difference in how comfortably you enjoy your retirement years.

What You Will Pay for Medicare in 2026Understanding what you’ll pay for Medicare in 2026 is essential for planning ahead...
09/27/2026

What You Will Pay for Medicare in 2026
Understanding what you’ll pay for Medicare in 2026 is essential for planning ahead. For those budgeting for next year, here’s what’s changing: Medicare Part B premiums are increasing 9.7% to $202.90 per month, with a $257 deductible. The Part A deductible is now $1,676—though most people won’t pay a premium for Part A. For prescription coverage, the average Part D premium will be $46.50 per month, and there’s now a $2,100 out-of-pocket cap. If you’re considering Medicare Advantage, the average premium has actually dropped to $14 per month.

After 15 years in insurance and financial services, I know how important these details are for families balancing health care and financial goals. My approach is always to make sure you have the right information to make the decisions that best serve you and your community. Let’s keep working together to build security and peace of mind.


https://www.vusocial.com/agent-news/joe-owens/1579461-What-You-Will-Pay-for-Medicare-in-2026

What Is an IRA? Types and How They WorkWhen it comes to preparing for retirement, understanding your options is key. IRA...
09/26/2026

What Is an IRA? Types and How They Work
When it comes to preparing for retirement, understanding your options is key. IRAs—Individual Retirement Accounts—play a crucial role in many clients’ long-term strategies. Traditional IRAs allow you to make tax-deductible contributions, while Roth IRAs give you the benefit of tax-free growth over time. For 2025, you can contribute up to $7,000, or $8,000 if you’re age 50 or older. It’s important to note that making withdrawals before retirement age can mean taxes and penalties. After more than 15 years in insurance and financial services, I’ve seen how a well-chosen IRA can help lay the groundwork for financial security and peace of mind. My focus is always on empowering individuals and families to make informed choices that ripple out to strengthen their communities.


https://www.vusocial.com/agent-news/joe-owens/1553799-What-Is-an-IRA%3F-Types-and-How-They-Work

What Is a Good Age to Retire?When it comes to choosing the right time for retirement, there’s no universal answer—it’s a...
09/25/2026

What Is a Good Age to Retire?
When it comes to choosing the right time for retirement, there’s no universal answer—it’s a personal decision shaped by your finances, health, the timing of Social Security, and your vision for the years ahead. For many, Medicare eligibility at 65 can ease healthcare costs, while waiting until 67 allows you to claim full Social Security benefits. You can start earlier, but benefits are reduced, or you can delay up to age 70 to see those benefits increase. With over 15 years in insurance and financial services, I’ve seen how thoughtful planning sets the stage for a more secure, fulfilling retirement. The key is understanding your unique situation, so you can make the choices that best support your goals and your family’s future.


https://www.vusocial.com/agent-news/joe-owens/1553889-What-Is-a-Good-Age-to-Retire%3F

09/23/2026

US Medicare Bills Need Monthly Planning
Managing Medicare premiums is a task that requires careful monthly planning—especially when you consider that, in 2026, a standard-premium couple will owe $405.80 every month for Part B ($202.90 each), even before those first Social Security deposits hit the account. Over my 15 years in insurance and financial services, I’ve seen how the right strategy can make all the difference for families balancing health care costs and fixed income. One effective approach involves pairing a three-ETF sleeve: dividend growth for increasing long-term income, a monthly income fund for steady distributions, and ultra-short Treasury bills as a safety net. For example, about 250 shares of a high-yield equity fund could cover a full year’s premiums through annual dividends, while a monthly income fund with ~750 shares can help meet those recurring bills. The Treasury-bill fund serves as a reserve, allowing you to set aside 6–12 months of premiums—so if markets dip, you don’t have to sell off your equity funds under pressure. Even with a projected 3% Social Security adjustment in 2027, predictable monthly income remains essential before those higher checks arrive. I’m passionate about helping people in our community find practical solutions like these, so they can focus on living well, not just getting by.

09/22/2026

Medicare Open Enrollment: When It Is and What to Do
Medicare open enrollment is a key window for making sure your coverage fits your needs. From October 15 to December 7, you have the opportunity to review your current Medicare plan and make any necessary changes, which will take effect on January 1. If you’re comfortable with your current plan, no action is needed—your coverage will renew automatically. There’s also a second enrollment period from January 1 to March 31 for select plan changes. With over 15 years in insurance and financial services, I’ve seen how timely decisions during these windows can make a real difference for individuals and families. Staying informed means you can continue to make choices that support your well-being and peace of mind.

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Greenville, SC
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