Serving Our Seniors Magazine Oct-Dec 2023

Understanding your goals is the first step in providing personalized financial advice to help you reach them. I take the time to know what you’re looking forward to, as well as what your challenges are, to help you build the financial future you want. Any financial advisor can know the markets. I know my clients. Not FDIC or NCUA Insured | No Financial Institution Guarantee | May Lose Value Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with plaque design) in the U.S. Ameriprise Financial cannot guarantee future financial results. Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2022 Ameriprise Financial, Inc. All rights reserved. Marie T. Shultz CFP®, CRPC®, APMA®, CLTC® Financial Advisor CERTIFIED FINANCIAL PLANNER™ professional 1604 E Perkins Ave, Ste 109 Sandusky, OH 44870 Call me today to get started 419.624.0606 by Chris Hardin , Medicare Supplement Specialist Getting a raise feels great! Yes, I know... you’re probably retired. But dont let that stop you! If you could lower your expenses by $100 (or more) every month, it would be just like getting a raise. Right? Well, that happens to be our specialty. In most cases, we can help you reduce what you pay every month for your Medicare Supplement while keeping your coverage exactly the same. And you can do it any time of year... with no penalties! If you are in good health and can save at least $20 monthly, it is usually a good idea to consider changing who you buy your Medicare Supplement from. You can keep the coverage the same but pay less each month. If you are currently paying more for your Medicare Supplement than what is shown in the chart to the right, please call us at 1-800-866-8950 to request a complimentary comparison report. Annual open enrollment might be closed but it DOES NOT APPLY to Medicare Supplements. Even better, Medicare Supplement plans are standardized. Plans with the same letter have the same benefits regardless of the company. So Plan G with one company provides the exact same coverage as Plan G with any another company; the only difference is the cost of the premium. Give Yourself a “Raise” By Switching Your Medicare Supplement Hardin Insurance 800-866-8950 www.medigap4u.com If you are payingmore than this per month... call us today! Male, Non-tobacco Age 68 71 75 $116 $125 $145 Plan G $138 $147 $168 Plan F Female, Non-tobacco Age 68 71 75 $104 $112 $127 Plan G $118 $132 $147 Plan F The Alcohol, Drug Addiction, and Mental Health Services (ADAMHS) Board of Erie County is dedicated to funding and supporting a continuum of behavioral health services across Erie County. The board’s mission is to achieve person-centered wellness for individuals and a healthy community that embraces recovery and erases stigma. As a public agency, the ADAMHS board is committed to fiscal responsibility with taxpayer dollars and to appropriately provide oversight to agencies receiving board funding. Please know that if you or a loved one are struggling, help is a phone call away. Don’t hesitate to call the crisis hotline (800) 826-1306 or dial 988 in an emergency. To learn more about the ADAMHS Board and the services offered in Erie County, visit www.adamhserie.org . PAID ADVERTISEMENT Agency here to assist those with mental health and addiction needs 8