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Educational Workshops: Learn to Optimize Your Social Security Benefits

Join us for a complimentary workshop on Maximizing your Social Security Income- Secrets for Married Couples to Boost their Benefits. The right social security planning strategy could be worth up to $100,000 in lifetime benefits. For married couples, finding the right strategy means sifting through 567 different filing combinations. Take the guesswork out of these important financial decisions and join us in this one hour class to learn…

  • How to pinpoint the best time for YOU to start collection benefits.
  • How it can pay to delay- but is a higher benefit at a later age worth the wait?
  • How can you apply for a Delayed Retirement Credit?
  • Ways to navigate through the twists and turns for widows, widowers and devorcees.
  • How certain types of earnings and pensions can affect your benefits.
  • Inflation protection to help you keep up with rising living expenses during retirement.
  • Start, Stop, Start- how one maneuver supercharges the survivor benefit.
  • How to take a spousal benefit worth up to 50% of the other spouse’s benefit.

You will also receive a free, personalized Social Security Maximization Report. Choose the event that works best for you:

Thursday, October 17, 2013 from 6:30-7:30pm at Mesa Community College

OR

Saturday, October 19, 2013 from 10:00am-11:00am at Gilbert SE Regional Library

Call 1-800-428-1743 to reserve your seat quickly. You won’t want to miss this opportunity to increase the benefits you have worked hard for and deserve.

We’ll see you there!

Are You Spending Your Money Wisely?

As a financial advisor, I advise all sorts of people how to spend and save more wisely and it’s surprising what people spend way too much on. This article on CNNMoney highlights the top 12 money wasters, but here are my favorite five that I can relate to:

  1. Leaving Your Stuff in a Storage Unit could be costing you $480-$1800 a year. I recommend going through all that stuff and making decisions to lighten your load and put cash in your pocket book!
  2. Leaving Rewards, Points, and Miles Unused could be costing you over $200 a year. A cool site called Points.com lets you manage all your points and rewards in one place.
  3. Weekly Visits to the Dry Cleaners could be costing you over $475 a year. It could be worth some investment of time to see how to get out that coffee stain or remove smelly odors on your own.
  4. Failing to Program Your Thermostat could be costing you $180 a year. Taking just a few minutes to set up your device could help you save.
  5. Scattering Your Insurance Policies could be costing you $300 a year. By bundling your home, auto, and life insurance, you could save up to 25% a year.

By simply avoiding these five money wasters, you could save close to $2,000 a year. Now that’s savings!

For more advice on how to reach financial freedom, please contact me at dmcmurryiic@msn.com or visit my website: http://www.integratedinsuranceconcepts.com/index.html.

By Doug McMurry, Owner of Integrated Insurance Concepts in Arizona

 

How to Manage Your Healthcare in 2013

With the recent passing of the Health Reform Law, many people are wondering how their healthcare is going to change in 2013. There are two main changes for you to take note, but most of the big changes are being ironed out and will be in effect in 2014. The 2013 changes include,

  • There is now a cap set for flexible spending accounts at $2,500.
  • All health plans are required to use standard forms to explain costs so you can compare health plans easier and with no bias.

As I mentioned before, significant changes don’t take effect until 2014 and a lot of work is currently going on at the state and federal levels. Small businesses can then purchase their own health plans next year. In 2013, you’ll see the same trends as previous years, such as employees bearing the majority of their healthcare costs at an average of $1,100 per month.

Are you managing your healthcare and finances to ensure you receive the money that’s owed to you? If you doubt it and need an expert’s advice, please feel free to contact us at Integrated Insurance Concepts. We can make sure you stay financially free in 2013, from healthcare to taxes. Contact me at dmcmurryiic@msn.com for more information.

By Doug McMurry, Owner of Integrated Insurance Concepts in Arizona

Financial & Insurance Education, Consultation and Support

In addition to providing my clients with their insurance and financial needs, I’m dedicated to offering educational resources, consultation services, and personalized support. Through this blog, I hope to share educational tips pulling from my 40 years of experience in the industry to anyone out there seeking financial advice.

If you have any questions along the way, don’t hesitate to comment or contact me: http://www.integratedinsuranceconcepts.com/contactus.html. I look forward to sharing and helping more people strategize their pathway to financial freedom.

By Doug McMurry, Owner of Integrated Insurance Concepts, LLC