Retire Well with Kelly Racicot

It’s hard to believe, but there are only about six weeks remaining in 2023. On today’s show Kelly will be reminding you of a few financial things you’ll want to tackle before you get busy with the holiday season. Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of...

If you’re going to be enrolling in Medicare soon… this episode is for you! This week I’ll be breaking down the alphabet soup of Medicare. You’ll learn about the 4 main parts of Medicare and the plan and options available to you. We’ll also talk about how you can avoid any late enrollment penalties. Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with r...

This week on the show I’m sharing an interview that I did with Bo Moore of Seven Mountains Media several months ago. We discussed taking advantage of the rising interest rates and how it can benefit you in your retirement. Since then, interest rates have continued to rise and the topic is even more relevant today, so I wanted to share it on the podcast with the Retire Well community. Kelly is the...

This week on the show we discuss one of the most widely used strategies for income in retirement. Is 4% still considered a “safe” withdrawal amount given recent market volatility and inflation? And what’s so special about 4%? Where did that number come from and is it even still relevant today? We dive into these questions and more… Kelly is the agency owner of Hometown Retirement Specialists, LLC....

What happens when you need more care than your health insurance will provide? This week Kelly share’s some important considerations when planning for your future care and why it’s important to have these conversations early. For more information on long-term care. Visit these useful links: https://yourhrsagent.com/long-term-care The national Institute on Aging Kelly is the agency owner of Hometown...

This week Kelly joins Bo Moore with Seven Mountains Media in Johnstown to discuss Social Security as one piece of your retirement income plan. One size fits all planning doesn’t work very well when it comes to your income strategy. Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a de...

This week on the show Kelly is answering some listener questions. You’ll get answers to some common retirement questions. If you have a question that you’d like to have answered on the show please send your question to info@yourhrsagent.com Resources mentioned in this episode: SSA.gov Benefits for Spouses Medicare.gov Plan Compare Tool 2023 IRMAA Brackets Form SSA-44 Kelly is the agency owner of H...

The non-financial aspects of retirement planning are rarely talked about in the financial services field, but play a crucial role in the success of your retirement journey. This week we’re going to step away from the typical advisor conversation and share some other important considerations to help you win at retirement. Resources mentioned in this episode: https://www.kiplinger.com/retirement/wha...

This week Kelly continues the conversation on the importance of properly planning for the transfer of your assets. Today’s topics cover gifting and inheritance and the taxes that are associated with them. Be sure to stick around to the end when Kelly will provide you with a simple four-step process to begin your enhanced plan journey. Ready to begin your journey? Email me directly: kelly@yourhrsag...

Estates, wills & trusts…. Do you think these things are only for the rich? Think again! On this week’s episode Kelly talks about Enhanced Planning and why it’s absolutely necessary to ensuring harmony in your family and protecting your legacy. You only get one chance to properly plan for your estate to transfer to your heirs. You’ve got to get it right! Kelly is the agency owner of Hometown Re...

Interest rates have risen to a level that we haven’t seen in more than 20 years. And while these new rates aren’t great news if you’re the borrower and it certainly hasn’t done your bond portfolio any favors, there are silver linings. On today’s show I’m going to share why this is good news for retirees and how you can be taking advantage of that to strengthen your retirement. Kelly is the agency...

This week Kelly joins Bo Moore with Seven Mountains Media to talk about how you can find safety for your hard-earned savings during these volatile times. No one likes the idea of losing money, but losing money while you’re in retirement can be especially painful. Listen to find out how to protect your nest egg. Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in w...

Not everything you hear on the internet is true! Especially when it comes to the future of Social Security. There is no shortage of untrue, half true and just plain wrong information out there. On today’s show, I’m going to debunk one of the biggest myths of all. We want you to know the FACTS so that you can make an informed decision for yourself and your retirement. Kelly is the agency owner of H...

Deciding when to file for your Social Security benefit is a big decision that will have a major impact on your retirement. Today’s episode discusses how your benefit is calculated, major pitfalls to avoid and how to get the most out of your benefit and optimize your retirement income. If you have not set up your account on the Social Security website, you can do that here: https://www.ssa.gov/myac...

Episode 4  How the Sequence of Returns Affects Your Retirement   Retirement comes with plenty of risk. How well you can mitigate these risks will determine how successful your retirement is. This week we’re going to focus on one of the most destructive risks you can face, especially in the early part of your retirement, and what you can do about it. Avoiding Sequence Risk is a crucial part of your...

Episode 3 Building a Solid Foundation for Your Retirement   This week Kelly joins Bo Moore with Seven Mountains Media in Johnstown to discuss the various tools that are needed to build a solid foundation for your retirement. One size fits all planning doesn’t work very well in the decumulation phase of retirement. Having the right tools can make a big difference in the success of your plans.   Kel...

Like many things in retirement, the answer to “how much should I be saving” is different for everyone. In this episode, Kelly will tackle this question from a different approach that will help you to get clear on your own retirement income goals.    Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement a...

Heading into retirement is one of the biggest transitions you’ll make in your lifetime. Retire Well is about helping you gain clarity and confidence in the next chapter of life. In our very first episode, Kelly shares her philosophy of providing a comprehensive and holistic approach to planning and the four pillars that carry your retirement.     Kelly is the agency owner of Hometown Retirement Sp...