Conestoga Wealth Management

10 more days until Halloween

Jack O' Lantern Carving Tips for Halloween Have you ever carved a pumpkin and been disappointed with the outcome? Here are some ways you can create better Jack O' Lanterns for your Halloween decorations!

Contact us to help guide you through your Medicare choices

https://living.medicareful.com/videos_medicare_basics?agent=davidkring&wchannelid=3p0wee9ruw&wmediaid=x00y2hk90y

Medicareful Living Understanding your Medicare coverage can be complex. Check out our crash course on the basics!

High Inflation is also hitting Medicare costs. CMS announced Friday: The standard monthly premium for Medicare Part B enrollees will be $170.10 for 2022, an increase of $21.60 from $148.50 in 2021. The annual deductible for all Medicare Part B beneficiaries is $233 in 2022, an increase of $30 from the annual deductible of $203 in 2021.

This falls under the adage, “If You Think It’s Expensive To Hire A Professional To Do The Job, Wait Until You Hire An Amateur.”
Choosing a DIY Roboadvisor with a call center over a Certified Financial Planner® that acts as a Fiduciary because the robo advertises low costs can be costly to your future indeed!
For more info read my blog on the value of an advisor: https://conestogawealthmanagement.com/2019/04/30/vanguard-is-hiring-a-financial-planner-worth-the-cost/

https://www.fa-mag.com/news/sec-slams-almost-all-robo-advisors-with-deficiency-letters-64832.html?section=43

SEC Slams Almost All Robo-Advisors With Deficiency Letters Examiners gave particular attention to whether or not robo-advisors were upholding their fiduciary duty.

https://www.fa-mag.com/news/plenty-of-people-buy-cryptocurrencies--but-few-understand-them-64701.html?utm_source=FA+Subscribers&utm_campaign=927803d661-FAN_AM_Send_052220_A-B+Split_COPY_01&utm_medium=email&utm_term=0_6bebc79291-927803d661-233318377

Plenty Of People Buy Cryptocurrencies, But Few Understand Them Only 4% of American respondents were able to pass a financial literacy quiz on digital assets.

Are you looking to shop a new Medicare Advantage plan in Pennsylvania during Open enrollment? looking for a new prescription drug plan for 2022? Shop and enroll now on our convenient Medicare information website. Click below to get it done:

https://medicareful.com/davidkring

Medicareful Medicare can seem complex on your own. We’re here to help! Medicareful is an easy-to-use Medicare plan finder that compares some of the available plans in your area and connects you with a licensed sales agent who will guide you through enrollment. Whether it’s a Medicare Supplement, Medicare Ad...

https://living.medicareful.com/does-medicare-cover-spouses-or-dependents?agent=davidkring

Does Medicare Cover Spouses or Dependents? Medicare can cover many different health care services, but can it cover families? If you've provided health insurance for your family, will they be covered when you enroll in Medicare?

It's time for Medicare Beneficiaries to review their health coverage for 2022. Contact us for a no cost review

https://living.medicareful.com/your-guide-to-the-medicare-annual-enrollment-period?agent=davidkring

Your Guide to the Medicare Annual Enrollment Period Get ready for the Medicare Annual Enrollment Period with our centralized guide to AEP.

https://living.medicareful.com/historic-2022-cola-prediction-increases-to-largest-since-1980s?agent=davidkring

Historic 2022 COLA Prediction Increases to Largest Since 1980s In May, the annual Social Security cost-of-living adjustment (COLA) was predicted to be the largest since 2009. A new prediction says the 2022 COLA could be the largest since Ronald Reagan was president.

If you're part of the Great Resignation, Contact us to help you with a plan to make it a success. And if you are near retirement, let us help you to see if you can make it permanent

https://www.cnbc.com/2021/06/29/more-people-plan-to-quit-as-return-to-work-plans-go-into-effect-.html

'Great Resignation' gains steam as return-to-work plans take effect In the wake of the Covid pandemic, a growing number of workers are rethinking what they want in a job and a lifestyle.

"Retirement financial planning is complex"
let us help you create your real time retirement plan
==> https://vimeo.com/354273930

https://www.fa-mag.com/news/decumulating-assets-successfully-is-difficult--blackrock-exec-says-62678.html?section=303&utm_source=FA+Subscribers&utm_campaign=be582daa96-FAN_AM_Send_052220_A-B+Split_COPY_01&utm_medium=email&utm_term=0_6bebc79291-be582daa96-233318377

Unwinding Retirement Assets Successfully Is Challenging, BlackRock Exec Says Passion and empathy are needed as much as financial skills, says Anne Ackerley.

A good option is to talk to a Financial Planner to come to a consensus on how to plan for the future

https://www.wsj.com/articles/how-to-talk-retirement-savings-with-your-spouse-11622107800?mod=hp_featst_pos3

How to Talk Retirement Savings With Your Spouse When couples have different risk tolerances, there is no easy solution for joint financial decisions. But it is important to settle on an approach that is palatable to both partners.

You don't have to navigate all alone or without a a plan. Call us for a no cost/no obligation review of your current plan. Or if you don't have a plan, let us help you to build it!

https://vimeo.com/440097693

Navigating Market Uncertainty This is "Navigating Market Uncertainty" by RightCapital on Vimeo, the home for high quality videos and the people who love them.

It feels like it's been a particularly bad year for Allergies

https://living.medicareful.com/dealing-with-allergies?agent=davidkring

Dealing with Allergies Allergies, whether minor or severe, can be a massive inconvenience at the very least and a danger to your health and life at worst. An allergy can determine ...

Things are slowly turning back to "normal", so isn't it time for you to finally get your financial future on track? The Pandemic changed many things, are you sure your retirement plan looks the same?

Reach out to schedule a meeting. Their is n cost or obligation to discuss your financial future!

All our planning clients have a personalized real-time Financial Plan that keeps pace with their busy lives. Isn't it time to stop guessing about your financial future, and start to work with a CFP to secure it instead?
It's easy to start your lifestyle plan by clicking here ==> https://www.rightcapital.com/sign-up
https://vimeo.com/354273930

Get Retirement Ready Learn how you can get the most out of your retirement.

https://conestogawealthmanagement.com/2019/04/30/vanguard-is-hiring-a-financial-planner-worth-the-cost/

Vanguard: Is hiring a financial planner worth the cost? Part I – Conestoga Wealth Management Vanguard studied it & answers the question affirmatively, but leaves out even more added benefits (which we cover in part II)

Reminder: Although Tax filing has been delayed until May 17th, If you pay quarterly taxes (federal, state & local), you likely still need to make that payment by today

https://www.irs.gov/newsroom/tax-day-for-individuals-extended-to-may-17-treasury-irs-extend-filing-and-payment-deadline

Tax Day for individuals extended to May 17: Treasury, IRS extend filing and payment deadline | Internal Revenue Service IR-2021-59, March 17, 2021 — The Treasury Department and Internal Revenue Service announced today that the federal income tax filing due date for individuals for the 2020 tax year will be automatically extended from April 15, 2021, to May 17, 2021.

If you want to do this by age 55, you better reach out to us to start your planning soon. For some it can be done, but without a solid plan it is likely to be a disaster

https://www.rpaconvergence.com/one-in-six-people-now-aim-to-retire-before-55/?NLID=Retirement-Plan-Advisor&NL_issueDate=20210317&utm_source=Retirement-Plan-Advisor-20210317&utm_medium=email&utm_campaign=investmentnews&utm_visit=355264&msdynttrid=EoSM9Y5VaX3XrRxypVuhkWSmBekxxlfbQabkTwCQzYQ

One in six people now aim to retire before 55 - RPA Convergence Of the roughly 70 million U.S. households with primary breadwinners younger than 55, 11.5 million are planning to retire by that age, according to a report from Hearts & Wallets.