That's also why you need to do some homework and be in touch with people who know.

Yeah, absolutely.

So that's one thing.

Two things to remember today.

The tax return for your extension from April and Medicare.

OK, when we come back from our break, I got two topics I want to cover if I get to them.

And that is, you know, I I tend to cover some real life situations that we've had with clients.

Sure.

So how has the industry changed over the years that you've been in it?

A lot, actually.

Of course, obviously, as you can imagine now with technology, just crazy.

But from early on, it's kind of changed from the one-on-one face contact and face meetings to technology being doing virtual meetings.

And we do a lot of virtual webinars and things like that and meet with clients, do reviews with clients virtually.

So it's changed a lot.

And quite honestly, for someone at my stage of my career, I'm to the point where I feel like I keep up decent, but I'm getting more resistant to it than the younger group that I have.

So let's give the audience a piece of advice, one on the personal side, one on the professional side, to help them elevate their life or business.

So, I mean,

this is just to go through and understand Medicare and what your choices are and what, you know, the first thing here, you know, option, you know, your original, when you first start Medicare, you can do original Medicare or Medicare Advantage, and then it goes through all those two types of options, and then you get into talking about how Medicare works with other insurance, which impacted me a little bit being on my wife's teacher's retirement health insurance.

And then, of course, if you want to get a Medigap insurance policy, of course, they refer to as a supplement, I guess.

There's different types of supplements and how that works and stuff like that.

So it's just a lot to go through.

And I don't know how many people know, but Of course, I guess the critical time is when your birthday becomes within, what is it, three months before or three months after? Three months on either side.

On either side of your birthday of 65 is your window.

I haven't had to go through the process.

Our condolences

... yep, Nathan's, uh, family, uh, w- a great family, a big family, well-known family in the area, the Saladinos, uh, will be, uh, he'll be at the, uh, funeral services for his grandfather today.

So our condolences and prayers for him and the family.

Um, this is Money Talk Monday, folks.

My email, bill@petermanfinancialgroup.com. Again, bill@petermanfinancialgroup.com. Topic in Oc- or September, uh, is Medicare, um, and of course, every time I bring this up, Greg, you and I f- always kind of talk about the Medi- we're f- similar age.

I know.

Uh, number two, qualified Roth IRA withdrawals, penalty-free.

So if you've had a Roth for five years is typically the, the hurdle to get over, uh, are qualified, uh, withdrawals.

Oh, my

gosh.

So this risk tool, by the way, also that we're offering to the first 15 folks who would like to take us up on this offer.

So we have a risk tool that allows us to input and set up portfolios.

In other words, an example would be like your deferred comp plan or your employer 401k plan or maybe just your own IRA or Roth IRA, whatever the case might be that you might have at Schwab or somewhere.

So we'll take this.

We'll take your statement and set up your portfolio in this tool.

See, I would be that

Still continuing the theme with college planning, which really, especially with new rules, figures out well with just overall financial planning.

There are a lot of new rules, so navigating those rules sometimes can be challenging, especially when there's a lot of changes like there are now, Greg.

I think the most common avenue most folks use is a 529 plan, which I would... probably agree if you're looking to save significant money for college.

And if you have a newborn now or a child that you just had in the last couple of years, now is the time to get started.

Absolutely.

Don't wait.

Don't wait on that stuff.

Okay.

And there's always something to keep up on, which is why you need people such as the Peterman Financial Group to get you going.

Well, yeah, we enjoy that.

We have a passion for what we do.

We're very conservative, laid back, firm.

I've mentioned to several people, we want to take baby steps and we certainly don't twist anyone's arms.

We like to allow people to kick the tires a little bit, understand who we are, meet with us.

And not everyone's a good fit.

Yeah.

So glad that you were able to do that, and I'm sure they appreciated it.

I've been with Money Concepts for 25 years, as you know.

They're a privately owned, family owned, operation broker-dealer out of Palm Beach Gardens, Florida.

Very, very genuine in their support and backbone provided for us advisors.

They've been around.

They're not new.

They've been around for 45 years.

Mm-hmm.

I knew where Hot Springs, Virginia was, and then I started to answer and didn't hear back, and I said, no, I was not familiar with Hot Springs, Virginia, but we're about to understand.

Yeah, everybody knows Hot Springs, Arkansas.

I think it's pretty common or pretty well-known.

Yeah, so anyway...

So our conference, every year we have an annual conference, the Money Concepts, the team from the home office in Florida comes out.

And, of course, it's like any other work conference, basically.

We have several keynote speakers and several, several over the next three days of what we call breakout sessions.

Bill, we continue on with some of those thoughts and what sounds like a very good conference down there in Hot Springs.

Right

... and so now listeners do not have to come in the office before June 30th.

They just need to let us know that they would like to take us up on our complimentary retirement plan offer before the end of the month, and then they could basically come in whenever they, whenever they choose.

But just let us know before the end of June if you'd like to take us up on our complimentary retirement plan offer.

Uh, you can email me directly, bill@petermanafincialgroup.com. And I will say, Greg, you know, we've talked about that or mentioned it the last couple of programs.

Uh, we've had good mileage.

We've had good, uh, good success with that.

Check it out.

Sure.

So we put together a retirement plan initially.

And it takes us probably six months or so to get to other topics of their plan, one being estate planning.

Yeah.

And it doesn't have to be complex.

Right.

But everyone needs it.

So if