The Journey Financial Group

🌶️Thank You for Spicing Up Our November 1st Friday Event! 🌶️

A huge thank you to everyone who joined us at this month’s chili-themed small business networking event! We had three delicious chili varieties, corn bread, a cinnamon roll casserole, and an assortment of Bundtlets provided by Michael from the new Nothing Bundt Cakes in Loveland! Each bite and conversation was fantastic thanks to your energy and enthusiasm.

A special shoutout to our generous sponsor, Sarah Sullivan from Touching Hearts at Home. Your support brought us all together and made this event truly memorable. We’re grateful to have such a wonderful community. Here’s to more shared connections and future collaborations!

🎃 Don’t Let Your Finances Haunt You! 👻

Is your financial future looking a bit... spooky? 👀 Whether it's saving for retirement, managing debt, or building wealth, the last thing you want is a financial fright down the road.

Here’s the good news: we're here to help you turn those financial nightmares into sweet dreams. 🕸️

🎯 Set goals that don’t scare you.
💡 Build a plan that you can live with.
💼 Take control of your financial future today.

No tricks, just treats when it comes to your money. 🎃 Schedule a meeting with us now and let’s tackle your financial goals before they come back to haunt you!

📢 Important Medicare Updates for 2025: Get Informed with Us!

Medicare is changing in 2025, and we’re here to guide you through these significant updates! From the elimination of the Part D coverage gap to the introduction of annual out-of-pocket caps, these changes could impact both your healthcare and your finances.

Join us for an educational workshop where we'll cover:

The Part D Coverage Gap elimination
Annual out-of-pocket cap
Insulin cost caps
Expanded subsidies under Extra Help
And more immediate 2024 impacts
📅 Workshop Dates:
🗓️ Thursday, November 7
🗓️ Tuesday, November 12
🗓️ Wednesday, November 20

📍 Location: 4795 Larimer Pkwy, Ste 250, Johnstown, CO 80534
⏰ Time: 5 PM to 7 PM

This is your chance to ask questions and prepare for what’s coming. RSVP now by emailing us at [email protected] or call us at (720) 677-1562. Let’s make sure you’re ready for the changes ahead!

🚨 Medicare Reforms: What You Need to Know 🚨

Big changes are coming to Medicare, and these updates could have a direct impact on your healthcare and finances. Here’s a quick look at what’s on the horizon:

🛡 2023
1️⃣ Vaccines now available without co-pays
2️⃣ Insulin co-pays capped at $35/month

🩺 2024
1️⃣ Expanded access to "Extra Help"
2️⃣ Say goodbye to the 5% coinsurance for the catastrophic phase

💊 2025
1️⃣ A $2,000 annual cap on prescription costs
2️⃣ New option to spread out payments with a Monthly Prescription Payment Plan

🔍 These reforms can make a huge difference in your healthcare costs, but understanding how they fit into your overall financial plan is key. Need help navigating these changes? Our team is here to help you make the most of your Medicare benefits while keeping your retirement goals in focus.

📞 Call us today to discuss your Medicare options and how they fit into your retirement plan!

💊 Prescription Drug Costs: A Growing Concern 💊

It’s no secret that the cost of prescription drugs is a major worry for Americans. Just take a look at these stats:

📊 82% of adults believe prescription drug prices are unreasonable
📊 30% have skipped medications due to cost in the last year
📊 28% struggle to afford their prescriptions

This is why proper financial planning isn’t just about retirement funds—it’s about safeguarding your health and well-being. 🛡️

🔑 If prescription costs are impacting your budget, we’re here to help you explore solutions. From Medicare planning to Health Savings Accounts, let’s make sure healthcare costs don’t take a bite out of your financial future.

📞 Call us today to discuss your Medicare options and how they fit into your retirement plan!

💡 Understanding the Medicare Alphabet 💡

Medicare can feel like alphabet soup, but we’re here to make it easy! 🥣 Check out this quick breakdown of Medicare Parts A, B, C, and D. Whether you’re planning for yourself or helping a loved one, knowing the basics is the first step. 👇

Part A 🏥: Hospital Insurance
Part B 🩺: Medical Insurance
Part C 🧑‍⚕️: Medicare Advantage
Part D 💊: Prescription Coverage

🔍 Still have questions about what’s covered or need help planning for your healthcare future? Our team is here to guide you through it all. Let’s work together to ensure your healthcare is as well-organized as your finances.

📞 Call us today to discuss your Medicare options and how they fit into your retirement plan!

🎉 Medicare Enrollment Made Easy 🎉

Turning 65 soon or newly eligible for Medicare? Now’s the perfect time to get started with your enrollment! Check out this quick guide to enrolling in Original Medicare (Parts A & B) and explore additional options like Part C, Part D, and Medigap plans.

✅ Enroll in Original Medicare automatically if you're receiving Social Security benefits — or follow these easy steps if you're not!
✅ Want more coverage? Consider Part C, Part D, or Medigap — but make sure to review the details carefully, as different providers offer different plans and benefits.

Remember, we're here to help you plan for your future. If you have questions about which Medicare options fit your retirement plan, reach out to us today!

Medicare Isn’t One-Size-Fits-All! 🩺💡

Your healthcare needs are unique, and your Medicare coverage should reflect that. With different parts and plans, you can customize your coverage to fit your health and lifestyle! 🌟

Whether you choose: ✔️ Original Medicare (Parts A & B) 🏥 ✔️ Medicare Advantage (Part C) 🔄

You have options to create the best plan for YOU. It’s time to take control of your healthcare and make sure you’re covered in all the right ways.

Explore your Medicare options today and find the perfect fit!

🎙️ We’re live! Introducing our Debut Podcast Episode! 🎙️

We're excited to launch our brand-new podcast, where we break down the strategies you need to grow, protect, and secure your financial future. 🌟 In our first episode, we’re covering key insights on retirement planning, 401(k) strategies, and smarter investing.

Start your journey to financial freedom with us—tune in now!

🎧 Listen to our debut episode here:
Spotify: https://conta.cc/4h2sDbG
Apple: https://conta.cc/3ZZVp6r
Omny: https://conta.cc/401psuO

Hit that follow button for more expert advice, because your financial future starts today! 🚀

The Games of Life Podcast · Ambar Reddekopp · The retirement journey is one of the greatest and most fulfilling trips you’ll ever embark on, and proper preparation and strategy can help you maximize your current situation while building towards a future that is everything you’ve been dreaming of. Hosted by The ...

Get the Prescription Coverage You Need with Medicare Part D! 💊📋

Medicare Part D provides vital coverage for prescriptions and even some vaccines! Whether you enroll in a stand-alone Part D plan or as part of a Medicare Advantage plan, you can ensure your medications are covered.

Here’s what you can expect with Part D: ✔️ Coverage for the most commonly prescribed drugs 💊 ✔️ Brand name & generic drugs included in your plan's formulary ✔️ Vaccines like the shingles vaccine 🦠

Remember, each Part D plan has its own list of covered drugs, so it’s important to review the options in your area. Stay healthy and get the prescription coverage that fits your needs!

Find the right plan today!

Fill the Gaps in Your Medicare Coverage with Medigap! 🏥💡

Are you worried about out-of-pocket costs that Medicare Parts A & B don’t cover? Medigap (Medicare Supplement Insurance) is here to help! 💪✨

With a Medigap plan, you can get coverage for: ✔️ Hospital coinsurance ✔️ Part B coinsurance or copays ✔️ Blood transfusion costs (first 3 pints) 💉 ✔️ 365 extra hospital days 🏥 ✔️ Hospice care

Plus, some plans may also cover: ✔️ Part A & B deductibles ✔️ Foreign travel emergency care 🛫 ✔️ Excess charges & skilled nursing care

When to enroll? You can sign up at any time, but enrolling during the Medicare Supplement Open Enrollment Period can ensure you get the best coverage without restrictions! ✅

Learn more today and make sure your healthcare costs are covered.

🌟 Need a space that inspires creativity and productivity? 🌟

Discover the perfect venue for your next meeting, workshop, or event with Room Rentals from The Journey Financial Group! 🏢✨ Whether you're planning a small team brainstorming session or a large corporate gathering, we've got you covered with flexible, modern spaces designed to meet all your needs.

💼 What We Offer:

Fully equipped conference rooms
Convenient online booking
Competitive rates
Professional atmosphere
Ready to elevate your next event? Secure your spot today! Click the link to learn more and reserve your space:
https://lp.constantcontactpages.com/cu/Okc23we/journeyrent?source_type=fbpo&source_id=ffa9f1ca-59a0-4132-9aab-716acb818e6b

🍻 Cheers to a Successful 1st Friday Beer & Brats! 🌭

A big thank you to everyone who joined us today for our October 1st Friday Beer & Brats Small Business Networking Event! It was a pleasure connecting with fellow local business owners and building our community.

A special shoutout to Corey Rusch at Boost Home Health for generously sponsoring today's delicious food! 🙌
Boost Home Health provides compassionate, high-quality in-home care, providing medical and non-medical home care
and home health care, including 24/7 care, with day staffing available, and representatives on-call during non-business hours.

Mark your calendars, small business owners! Our next 1st Friday Event will be on Friday, November 3rd. You won’t want to miss it!

Let's keep supporting each other in business and beyond. 💼🍺

🌟 Important Medicare Updates for 2025! 🌟

Are you prepared for the changes Medicare is bringing in 2025? Stay ahead of the curve with insights on how these updates could impact your healthcare plan and financial future. 📊💡

🔹 Key Changes in 2025

Elimination of the Part D Coverage Gap
Annual Out-of-Pocket Cap
Insulin Cost Cap
Expanded Extra Help Subsidies
🔹 Immediate Impacts for 2024

Increased Part D Premiums that may affect your budget
💬 Join us at one of our free educational workshop!
Learn how to navigate these changes, understand your options, and get your Medicare questions answered.

🗓️ Event Details

October 3rd 5-7pm | 4795 Larimer Pkwy, Suite 250, Johnstown, CO
📞 RSVP Now: (720) 677-1562
✉️ Email: [email protected]

Don’t miss this chance to secure your Medicare future! 👩‍⚕️👨‍⚕️

Unlock Comprehensive Coverage with Medicare Part C! 🏥💊

Did you know that Medicare Advantage (Part C) plans combine the benefits of Part A and Part B, offering you even more coverage options? 🌟

With Part C, you can enjoy: ✔️ Prescription drug coverage (Part D) ✔️ Hearing exams or hearing aids 👂 ✔️ Dental care: exams, cleanings, X-rays 🦷 ✔️ Vision care: eye exams, glasses, or contacts 👓 ✔️ Wellness benefits like gym memberships 💪

Benefits vary by plan, but you can also get perks like transportation to medical appointments and credits for health products. 💼✨

Take control of your healthcare with Medicare Advantage today! Learn more about your options and find the right plan for you. 📞

Fascinating 2023 data on Aligning Your Work with Your Financial Goals:

1. 75% of professionals feel more fulfilled when their work aligns with financial goals.

2. 60% report higher savings.

3. 40% achieve financial independence faster.

4. 80% experience reduced stress.

Signals of where the world is headed.

Visit our website for more information.

💼💡

📢 Medicare Coverage Options Simplified! 📢

Navigating Medicare can feel overwhelming, but it doesn't have to be. Let's break it down into two simple steps:

Step 1: Enroll in Original Medicare:

🏥 Part A covers hospital stays and inpatient care.
👩‍⚕️ Part B covers doctor visits and outpatient care.
Step 2: Explore additional coverage with private insurers:

💊 Option 1: Add a Medicare Part D Plan for prescription drug coverage, plus Medigap to cover those pesky out-of-pocket costs.
📋 Option 2: Consider a Medicare Advantage Plan (Part C), which bundles everything—hospital, doctor, and drug coverage, often with extra benefits like vision and dental!
Understanding your options is key to maximizing your health coverage. If you need help planning for your healthcare costs, our team is here to guide you! 📞 Contact us today! www.journey4wealth.com

🌟 Need a space that inspires creativity and productivity? 🌟

Discover the perfect venue for your next meeting, workshop, or event with Room Rentals from The Journey Financial Group! 🏢✨ Whether you're planning a small team brainstorming session or a large corporate gathering, we've got you covered with flexible, modern spaces designed to meet all your needs.

💼 What We Offer:

Fully equipped conference rooms
Convenient online booking
Competitive rates
Professional atmosphere
Ready to elevate your next event? Secure your spot today! Click the link to learn more and reserve your space:
https://lp.constantcontactpages.com/cu/Okc23we/journeyrent?source_type=fbpo&source_id=1a19bc92-8a36-45c9-bd19-41be6c9af796

🌟 Need a space that inspires creativity and productivity? 🌟

Discover the perfect venue for your next meeting, workshop, or event with Room Rentals from The Journey Financial Group! 🏢✨ Whether you're planning a small team brainstorming session or a large corporate gathering, we've got you covered with flexible, modern spaces designed to meet all your needs.

💼 What We Offer:

Fully equipped conference rooms
Convenient online booking
Competitive rates
Professional atmosphere
Ready to elevate your next event? Secure your spot today! Click the link to learn more and reserve your space:
https://lp.constantcontactpages.com/cu/Okc23we/journeyrent?source_type=fbpo&source_id=7c021473-5af9-4d78-be0a-7f37b491a0c2

💡 Medicare Part B: What’s Included? 💡

Medicare Part B helps cover the care you need outside the hospital. From doctor visits to preventive services, Part B ensures that your health stays in check, including:

✔️ Doctor visits (even in the hospital)
✔️ Annual wellness exams
✔️ Ambulance services & emergency room care
✔️ Lab tests & diagnostic services
✔️ Physical & speech therapy
✔️ Telehealth visits
✔️ Mental health care

Stay proactive with your health care, and don’t forget—Part B coverage can’t be denied! 🙌 Know your benefits and ensure you’re prepared for the care you need. Learn more about Medicare Part B at journey4wealth.com

https://conta.cc/4cXt5ok

🌟 Important Medicare Updates for 2025! 🌟

Are you prepared for the changes Medicare is bringing in 2025? Stay ahead of the curve with insights on how these updates could impact your healthcare plan and financial future. 📊💡

🔹 Key Changes in 2025

Elimination of the Part D Coverage Gap
Annual Out-of-Pocket Cap
Insulin Cost Cap
Expanded Extra Help Subsidies
🔹 Immediate Impacts for 2024

Increased Part D Premiums that may affect your budget
💬 Join us at one of our free educational workshops! Learn how to navigate these changes, understand your options, and get your Medicare questions answered.

🗓️ Event Details

September 17th, 2-4pm | 701 Fifth Street, Frederick, CO
September 18th, 5:30-8pm | 4795 Larimer Pkwy, Suite 250, Johnstown, CO
📞 RSVP Now: (720) 677-1562
✉️ Email: [email protected]

Don’t miss this chance to secure your Medicare future! 👩‍⚕️👨‍⚕️

You’re Invited! Important Medicare Updates for 2025: Stay Informed and Prepared   The Inflation Reduction Act brings significant changes to Medicare in 2025. By staying informed, you can make well-educated decisions about your healthcare coverage for the upcoming year. We’re here

🌟 Understanding Medicare Part A: What’s Covered? 🌟

Are you or a loved one approaching Medicare eligibility? 🏥 Medicare Part A is designed to cover essential hospital stays and inpatient services, including:

✔️ Semi-private rooms
✔️ Hospital meals
✔️ Skilled nursing services
✔️ Intensive care
✔️ Medical supplies & equipment
✔️ Hospice care for the terminally ill and more!

The best part? You cannot be denied coverage if you qualify! 💪

Don’t leave your health care to chance—know your benefits and plan ahead for peace of mind. For more details on what’s included in Medicare Part A, visit https://journey4wealth.com

🌟 Need a space that inspires creativity and productivity? 🌟

Discover the perfect venue for your next meeting, workshop, or event with Room Rentals from The Journey Financial Group! 🏢✨ Whether you're planning a small team brainstorming session or a large corporate gathering, we've got you covered with flexible, modern spaces designed to meet all your needs.

💼 What We Offer:

Fully equipped conference rooms
Convenient online booking
Competitive rates
Professional atmosphere
Ready to elevate your next event? Secure your spot today! Click the link to learn more and reserve your space:
https://lp.constantcontactpages.com/cu/Okc23we/journeyrent?source_type=fbpo&source_id=4a503bb6-2b3f-4abf-a5ed-a3d763c2ef27

🍻 Thank You for Joining Us! 🌭

A big thank you to everyone who came out to our First Friday Beer & Brats event! It was a fantastic time connecting, sharing laughs, and enjoying some delicious brats and cold drinks. 🎉

We love getting to know our community better, and events like these remind us how important it is to take a break and enjoy the good company. 💼➡️🍻

Looking forward to seeing you at the next one! Cheers to many more Fridays like this. 🙌