M Rocchio Insurance Agency

Central Florida healthcare workers ages 60-63: You just got a raise on your retirement savings — and most people didn't hear about it.

Here's what changed in 2025:

👉 Standard 403(b) catch-up contribution: $7,500
👉 SECURE Act 2.0 raised it to $11,250 for workers ages 60, 61, 62, and 63
👉 That's an extra $3,750 per year you can shelter from taxes
👉 Only during those 4 years — then it drops back down at age 64

If you're in that window (or approaching it), this is a use-it-or-lose-it planning moment. Message us for a plain-English breakdown of what it means for your paycheck.

Central Florida healthcare workers: If your hospital offers a pension buyout — or you've heard rumors one is coming — timing matters more than you think.

Here's why:

👉 The lump-sum offer is calculated using IRS interest rates
👉 Higher interest rates = SMALLER lump sum offers
👉 When rates drop, those same lump sum offers can jump 20-40%
👉 Some Central FL hospital systems (including some at AdventHealth and legacy Halifax pensions) still offer these — timing your decision around interest-rate cycles can be worth tens of thousands

Before you take the lump sum OR the monthly income — the math is worth running. Message us for a personalized breakdown.

Married couples over 60: There's a Social Security rule almost nobody uses.

If one spouse waits until 70 to claim, the surviving spouse gets that higher benefit for life — even if the primary earner passes early.

Most couples claim at 62 or 66 and lose $150K+ in lifetime benefits without realizing it.

Message us if you want the math for your situation.