October 2026 Newsletter:

Greetings!

Turning 65 often brings a mailbox full of Medicare advertisements and the assumption that the process will take care of itself. It rarely does, and the choices made around that time can shape retirement cash flow, taxes, and healthcare access for years.

This month’s feature article explains why Medicare deserves a place in your retirement plan. It covers the timing questions that catch people off guard, the two broad coverage paths, New York’s unusual Medigap flexibility, and a simple step that makes it easier for family to help when a Medicare question comes up.

We also look at what elections can and can’t tell us about markets, share two planning guides to use before Open Enrollment closes December 7, and offer three comforting fall recipes for cooler evenings.

Feature Article:

Medicare Is a Retirement-Planning Decision, Not Just an Insurance Decision

Medicare isn’t automatic, and it isn’t simple. This month, we cover enrollment timing if you’re working past 65, how coverage choices connect to your income and Social Security, why New Yorkers have more Medigap flexibility than most, and what to review each fall as plans change around you.

As the midterms approach, it’s natural to wonder what the outcome could mean for your portfolio. This update separates political headlines from real investment consequences, looks at what market history can and cannot tell us, and explains why your financial plan, not the headlines, should lead.

Helpful Handouts: Two Guides for Medicare Season

Open Enrollment runs through December 7. To make this month’s feature easier to act on, we’ve created two guides you can use right away.

As fall settles in, this month’s message is simple: make room for thoughtful decisions without letting the headlines, or the mailbox, set the agenda. Whether you’re preparing for a Medicare meeting, reviewing your coverage before December 7, or wondering how healthcare costs fit into retirement, we’d welcome the conversation.

Wishing you a cozy October filled with good food and good company!

Best,

Your LynnLeigh & Company Team

LynnLeigh & Company — A Registered Investment Advisor

This information is provided by LynnLeigh & Co. for general information and educational purposes based upon publicly available information from sources believed to be reliable. LynnLeigh & Co. advisors cannot assure the accuracy or completeness of these materials. The information presented here is not specific to any individual's personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. The information in these materials may change at any time and without notice. Past performance is not a guarantee of future returns.