by Mike Keretz | Nov 6, 2025 | Uncategorized
When you're your own boss, the single best thing you can do for your future is to open a tax-advantaged retirement account—like a SEP IRA or Solo 401(k)—and put your contributions on autopilot. It’s a simple strategy that ensures you're consistently saving for...
by Mike Keretz | Nov 5, 2025 | Uncategorized
Diving into the world of life insurance can feel like learning a new language, but it really boils down to one simple question. Do you need protection for a specific time, or for your entire life? That’s it. Every policy out there falls into one of two buckets: Term...
by Mike Keretz | Nov 4, 2025 | Uncategorized
So, what exactly is a High Deductible Health Plan, or HDHP? Think of it as a health insurance plan that flips the usual payment structure on its head. You get to pay a much lower monthly bill (your premium), but in exchange, you agree to cover a higher amount of your...
by Mike Keretz | Nov 3, 2025 | Uncategorized
When it comes to Medicare, you’ll hear a lot of new terms. But few are as important as "creditable coverage." Getting this one right can save you from a lifetime of penalties. So, what is it? Think of it as a "hall pass" from Medicare. In simple...
by Mike Keretz | Nov 2, 2025 | Uncategorized
Losing your job is stressful enough without having to worry about your health coverage. But here's the most important thing you need to know: you get a 60-day window to find a new plan. This is called a Special Enrollment Period (SEP), and it's your golden...
by Mike Keretz | Nov 1, 2025 | Uncategorized
Before you book that appointment or give the green light for a repair, there's one small but crucial step you can't afford to skip: verifying your insurance coverage. Overlooking this can turn a simple doctor's visit or a minor car repair into a massive...
by Mike Keretz | Oct 31, 2025 | Uncategorized
Life happens. We’ve all been there—a bill gets misplaced, a due date slips our minds, or money is just a little tight one month. When it comes to your insurance, a small mistake like a late payment could leave you dangerously unprotected. That's where the grace...
by Mike Keretz | Oct 30, 2025 | Uncategorized
Trying to make sense of your health insurance policy can feel like you’re decoding a secret language. But when it comes to managing your out-of-pocket costs, two terms are absolutely essential to understand: copay and deductible. At first glance, they might seem...
by Mike Keretz | Oct 29, 2025 | Uncategorized
Ever seen a medical bill that just didn't make sense? A charge you weren't expecting? Sometimes, the reason is something called a Medicare Part B excess charge. Think of it this way: Medicare has a special, negotiated price for services. Most doctors agree to...
by Mike Keretz | Oct 28, 2025 | Uncategorized
For most people, the answer to the question "do I really need health insurance?" is a loud and clear yes. It’s easy to see it as just another monthly expense, but it’s much smarter to think of it as your financial shield—a barrier protecting your savings,...
