Tag Archives: Holistic Wealth and Health

Episode 8 – A Discussion On All Things Annuities – With Kalem Mackey, CFP®



Believe it or not, annuities are often helpful, yet misunderstood financial products.

In this episode, Bryan Bibbo sits down with Clarity Insurance Marketing’s executive vice president, Kalem Mackey, CFP®. Today, Kalem discusses annuities and everything related to their advantages, disadvantages, risk, and maintenance components. 

In this episode, you will learn:

  • What annuities are and why they’re thought of as complicated
  • How to correctly and efficiently make use of annuities 
  • The main differences between variable, fixed, and fixed index annuities
  • Liquidity and time horizon as the main trade-off of annuities 
  • The risks and maintenance costs of annuities 
  • And more!

Listen in and learn the importance of annuities, why it’s important to work with an advisor, and why you should define the role of annuities within your financial plan! 

Resources:

JL Smith Group | Bryan Bibbo | 440-934-9181 | Kalem Mackey, CFP® | Clarity Insurance Marketing 


Episode 7 – What You Really Should Know About Medicare – With Gary Pelfrey



It’s no secret that Medicare can be confusing and overwhelming. 

As such, questions like, “how much do I know,” “what do I need to do?” and “what does it do for me?” are more common and frequent than you think. 

In this episode, Bryan Bibbo sits down with JL Smith’s Gary Pelfrey. Today, Gary breaks down Medicare and each of its components, and explains different considerations you must know even if you are investigating coverage for the first time.

In this episode, you will learn:

  • How much Medicare covers
  • What creditable coverage is and how it relates to the option of taking Medicare at the age of 65 
  • What are some of the Medicare gaps and penalties 
  • The cost-related differences between Medicare Parts A and B
  • Reasons why you should take Medicare’s open enrollment period seriously 
  • And more!

Listen today and find out key components you need to know in regards to Medicare Parts A, B, C, and D! 

Resources: JL Smith Group | Bryan Bibbo | 440-934-9181 Gary Pelfrey 


Episode 6 – Navigating The Path of Estate Planning – With Russ McLaughlin



Remember, estate planning is not just for the wealthy. It’s for YOU and for the ones you care about the most. 

In this episode, Bryan Bibbo sits down with O’Toole, McLaughlin, Dooley & Pecora’s Russ McLaughlin. Today, Russ highlights the relevance of getting ahead with estate planning and elaborates on the different components to help you get started today.

In this episode, you will learn:

  • What estate planning is and the reasons why you should prepare ahead of time 
  • Russ and Bryan’s insight on what it takes to create a family-related trust 
  • How taxes impact estate trusts 
  • Health Care Power of Attorney: An insight into the medical side of estate plans
  • The risk of probate on improperly titled items and assets
  • And more!

Listen today to discover everything you need to know about estate plans!

Resources: JL Smith Group | Bryan Bibbo | 440-934-9181 | O’Toole, McLaughlin, Dooley & Pecora | Russ McLaughlin | 440-930-4001