Gene Culpepper - Premier Insurance Services

Biggest COBRA Mistake! Automatically enrolling without comparing costs. A 10-minute review could make a big difference in what you pay. Contact us for a consultation.

Retiring in 2026? Retirees need to understand the financial implications of Medicare, IRMAA, Social Security, and tax-efficient withdrawal strategies.

Fast Fact: If you continue to work past 65, you want to stop HSA contributions at least six months before applying for Medicare because your Medicare Part A will become retroactive by six months.

Reminder: After losing coverage, you typically have 60 days to elect COBRA. Miss that window, and you may lose your chance to enroll.

Wellness Reminder: As we age, we may not feel thirst as strongly. Make it a habit to drink water regularly throughout the day.

Wellness 101: Exercising regularly — every day if possible — is the single most important thing you can do for your health. In the short term, exercise helps to control appetite, boost mood, and improve sleep. In the long term, it reduces the risk of heart disease, stroke, diabetes, dementia, depression, and many cancers.