March 2025

"To raise a child who is confident enough to leave you means you’ve done your job. They are not ours to keep, but to teach how to soar on their own."

– Author Unknown

This week, Paul and I officially become empty nesters. Our youngest, Tyson, is currently on the road to Las Vegas to help his dad relocate. When he returns, he will be renting his father’s home in Puyallup and starting a new full-time job. One of Tyson’s greatest strengths is his ability to show up, and I’m proud to see him stepping into adulthood with both feet.

Surprisingly, I don’t feel sad or lonely—just excited for him. I did, however, make him promise to take me on a monthly "date" so I can still enjoy movies, restaurants, and fun outings with him. With the seasons changing, I’m also reminding myself to get outside more, whether with Tyson or on my own.

Much like the shifting weather, my business is cyclical. Spring and summer bring more conversations about retirement, requiring thoughtful, comprehensive planning—one of my favorite aspects of what I do. From Medicare to guaranteed income, there are many factors to consider when preparing for the future.

A recent study by Midland National, one of the companies we represent, highlights the benefits of working with an insurance and financial professional:

• 95% of clients report feeling secure and satisfied in their financial professional relationships.
• 88% agree that lifetime-guaranteed income, such as annuities, helps ease the stress of outliving savings.
• Clients say working with a professional leads to better financial health, smarter investments, and a structured plan for the future.

How is your retirement strategy working for you? Have your concerns or goals shifted? If so, let’s talk—I’m always here to help.

-Vanessa

Cheers to 5 years of excellence!

Thank you to our incredible team and clients for making this journey possible. We’re committed to providing top-tier service and award-winning care every step of the way.

Here's to many more years of trust and success! 



Have you seen our new Cybertruck around town?

The Hidden Gaps in Medicare Dental Coverage

Many retirees are surprised to learn that Original Medicare does not cover routine dental care—including cleanings, fillings, extractions, dentures, or root canals.

Unfortunately, neglecting dental health can lead to more serious (and costly) health issues, such as gum disease, infections, and even heart complications. While some Medicare plans offer limited dental benefits, they may not cover major procedures, leaving you with high out-of-pocket costs.

Don't wait until a painful (and expensive) dental emergency arises. Affordable dental insurance options are available to help cover routine visits and unexpected procedures—giving you peace of mind and protecting your health.

Understanding Medicare Telehealth Coverage Changes Starting April 1, 2025

Medicare covers telehealth services, allowing you to see a doctor remotely using your phone or computer. Until March 31, 2025, you can access these services from anywhere, including your home.

After April 1, 2025, most telehealth services will only be available if you are in a rural medical facility. However, some services—like home dialysis check-ins, stroke care, and mental health treatment—will still be covered from any location.



Tax Bill Trouble? Options If You Can’t Pay the IRS

Many Retired Americans are struggling to pay their taxes by the April 18 deadline, but ignoring the issue can lead to severe consequences, including penalties, interest, and possible legal action.

Options for Those Who Can’t Pay:

1. Contact the IRS: Call 800-829-1040 or visit IRS.gov for assistance.
2. Pay What You Can: Even partial payments reduce penalties and interest.
3. Request an Installment Plan: The IRS offers short-term (180 days) and long-term (up to 6 years) plans.
4. Apply for “Currently Not Collectible” Status: If you can’t afford basic expenses, you may qualify for a temporary delay in collections.
5. Consider an “Offer in Compromise”: In some cases, the IRS allows taxpayers to settle for less than the full amount owed.
6. Seek Professional Help: CPAs, tax attorneys, and Low Income Taxpayer Clinics can provide guidance.

What to Avoid:

• "Offer Mills": Scammers that charge high fees but provide little help.
• Credit Cards or Loans: These can lead to high-interest debt.
• Tapping Retirement Accounts: This could result in taxes, penalties, and loss of retirement security.

Additional Deductions for Older Taxpayers:

• Single filers 65+ can claim an extra $1,750 standard deduction.
• Medical expenses exceeding 7.5% of adjusted gross income are deductible if itemizing.

While tax debt can be overwhelming, taking proactive steps can help avoid further financial hardship. Reaching out to a Tax Professional and keeping tabs on important deadlines can help.

NOTICE TO RECIPIENT: we do not offer every plan in your area. Currently, we represent 13 organizations which offer 66 products in your area. Please contact Medicare.gov, or your local state Health Insurance Program (SHIP) to get information on all your options.