| | Financial and Retirement Planning for Southwest Michigan | | |
Welcome to our news!
In each edition of our newsletter, we'll share some tips, some educational content, a team win!, and links to our free Retirement 101 Courses coming to Kalamazoo and Albion. You can reach us at any of the buttons above and we hope you find this content helpful!
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Medicare Enrollment: When Should I Sign Up?
Enrollment Deadlines Explained
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Turning 65 soon? Or maybe you're leaving a group health plan?
The rules for Medicare enrollment can be a minefield of deadlines and potential penalties. Missing your enrollment window could lead to coverage gaps and higher premiums for life. Stop guessing!
Our short video clarifies the critical timelines—Initial Enrollment Period, Special Enrollment Period, and more—so you can sign up with confidence.
For a comprehensive overview of how health costs fit into your big picture, register today for our Free Retirement 101 Class in November or December. Call to sign up (269) 323-7964.
Enrollment deadlines explained—watch the video:
Taxes in retirement could make up a large portion of your expenses, which is one reason to make sure you plan well. Although the part of your income that’s taxable varies, there are several tools you should be aware of that can help decrease or eliminate your taxes in retirement.
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Understanding Your Medicare Plan | |
Choosing the right Medicare plan can feel like a guessing game. It's crucial to understand the difference between Parts A, B, C, and D to ensure you have the coverage you need for healthcare costs in retirement. A solid plan can protect both your health and your savings. Call or Email Justin to get a professional opinion before you buy!
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Make Your Legacy Count
You’ve worked hard to build your wealth, so don’t let it be eroded by taxes. We specialize in strategic wealth transfer planning, helping you use tools like trusts and gifting to ensure more of your assets go to your loved ones and the causes you care about most.
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Don't Get Spooked by the Markets | |
It's easy to worry about market volatility, but a solid retirement plan is built to withstand the ups and downs. We focus on risk management and creating a consistent retirement income stream, so you can feel confident regardless of what the headlines say.
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| Your team at Southwest Michigan Financial is committed to providing expert guidance on all aspects of your financial journey. From left, Chuck Henrich, President and Owner, has more than 14 years of experience helping clients build and protect their assets. He and his son, Justin Henrich, our Medicare, Insurance, and Financial Advisor, both act as fiduciaries, legally bound to put your best interests first. With Stacey Pennock, our Operations Manager, ensuring every detail is handled smoothly, you have a dedicated team ready to help you navigate retirement with confidence. We’re here to help you turn your financial goals into a secure reality. | | | |
Retirement Planning 101 is a hands-on, in-depth class looking into the many nuances of retirement financial planning. We don’t waste your time reviewing basic principles, we focus our time on identifying and solving the important problem areas you need to understand to build a successful retirement plan. We review practical examples and allow you the opportunity to ask specific questions.
Upcoming Retirement 101 Classes:
- Nov. 11, 6 p.m.: Kalamazoo Valley Community College, Groves Campus, 7107 Elm Valley Dr., Kalamazoo, MI
- Nov. 13, 6 p.m.: Kalamazoo Valley Community College, Groves Campus, 7107 Elm Valley Dr., Kalamazoo, MI
- Dec. 2, 6 p.m.: Albion College, 611 E. Porter St., Albion, MI
- Dec. 4, 6 p.m.: Albion College, 611 E. Porter St., Albion, MI
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Our Company
Charles R. Henrich offers investment advisor services through Southwest Michigan Wealth Management, LLC, a Registered Investment Advisor in the state of Michigan. Insurance products and services are offered through Southwest Michigan Financial, LLC. The aforementioned are affiliated companies. Southwest Michigan Wealth Management, LLC and its advisors do not render tax, legal, or accounting advice. Southwest Michigan Wealth Management, LLC and Southwest Michigan Financial, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency.
This email is being sent on behalf of an Investment Advisor Representative. It is intended exclusively for the individual or entity to which it is addressed. This communication may contain information that is proprietary, privileged, or confidential, or otherwise legally exempt from disclosure. If you are not the name addressee, you are not authorized to read, print, retain, copy, or disseminate this email or any part of it. If you have received this email in error, please notify the sender immediately by email or fax, and destroy all copies of this communication.
Contact Us | Disclaimer | Privacy Policy
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Kalamazoo Office
Southwest Michigan Financial, LLC
4341 S Westnedge Ave, Ste. 1201
Kalamazoo, MI 49008
Phone: (269) 323-7964
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Marshall Office
Southwest Michigan Financial, LLC
830 W Michigan Ave
Marshall, MI 49068
Phone: (269) 323-7964
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