How does Medicare Open Enrollment work? Do you need a supplement plan? How do you choose between a Medigap or Medicare Advantage plan? Navigating these questions can be overwhelming.

That’s why Danielle Roberts—co-founder of Boomer Benefits and the author of “10 Costly Medicare Mistakes You Can't Afford to Make”—joins me in this episode to help you avoid common pitfalls during Medicare Open Enrollment.

• [1:42] How Medicare open enrollment works
• [3:45] Do you need a supplemental plan?
• [5:13] How CMS changes impact plans
• [9:37] Comparing Medigap vs Medicare Advantage
• [12:41] The typical annual rate increase
• [15:21] How Medigap plans work when you move
• [16:12] When to choose a Medicare Advantage plan
• [19:34] How Medicare Part D works
• [21:38] How to choose between Medigap vs Advantage plans
• [24:06] How to choose a broker to work with
• [27:05] Start researching your Medicare options early
• [28:06] How to get a free copy of Danielle’s book

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• 10 Costly Medicare Mistakes You Can't Afford to Make
• Boomer Benefits
• 2025 Medicare IRMAA Surcharge Updates, #228

www.MorrisseyWealthManagement.com/contact

Subscribe to Retire With Ryan

On November 8th, 2024, Medicare announced that in 2025, Medicare Part B will cost $185 per month per person—an increase of about $10.30 from 2024. Keep in mind, if your income is above a certain point, you’ll have to pay an “Income-Related Monthly Adjusted Amount,” or “IRMAA” tax. Is there a way to avoid paying the IRMAA surcharge? I share some strategies in this episode of Retire with Ryan.

• [1:25] How to get a FREE copy of “10 Costly Medicare Mistakes”
• [2:20] The cost of Medicare Parts A, B, and D in 2025
• [4:26] When you would pay a higher Medicare premium
• [8:32] What you can do to appeal the IRMAA Surcharge
• [10:02] What you can do to avoid the IRMAA Surcharge

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• 2025 Medicare Parts A & B Premiums and Deductibles
• Form SSA-44: Medicare Income-Related Monthly Adjustment Amount

www.MorrisseyWealthManagement.com/contact

Subscribe to Retire With Ryan

In this episode, we’re diving into the often-overlooked tax benefits of 529 plans. Most people know that 529 plans can help cover college expenses, but there are other valuable perks beyond just tuition savings.

From paying down student loans to making the most of tax deferral advantages, this episode breaks down five key tax benefits you may not be aware of. Let me help you maximize the potential of your 529 plan.

• [1:39] What are 529 plans?
• [3:04] Repaying student loans
• [4:14] Covering K-12 expenses
• [5:20] Tax deferral
• [8:10] Roth conversion
• [12:40] Potential state tax deductions

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• How To Complete a Fidelity 529 To Roth IRA Rollover
• 6 Ways To Use An Old CHET 529 Plan

www.MorrisseyWealthManagement.com/contact

Subscribe to Retire With Ryan