May 28, 2025 • 44 mins
Listen in as host Steve Kuker, President of Senior Care Consulting, visits with Bruce Glenn, Senior Wealth Manager and President of Rally Wealth and Benefits. Bruce provides a market update and discusses healthcare planning in retirement. Steve reviews the VA Aid and Attendance Benefit, a valuable and little-known benefit for veterans and their surviving spouses to pay for the high cost of senior care. Then, Steve discusses Senior Care Consulting franchise opportunities all across America! #SeniorCare #SeniorCareLive #SeniorCareConsulting #SeniorLiving #KansasCitySeniorCare #SeniorCarePlacement #SeniorCareAdvisor #Franchise #SeniorCareFranchise #Fiduciary #WealthManagement (800) 331-6445
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Are you caring for an aging loved one? Are you
a senior searching for answers? Welcome to Senior Care Live,
a program dedicated to you, providing information, education and resources
for seniors and their caregivers. And now America's Senior care Consultant,
Steve Keecker.
Speaker 2 (00:24):
Hello and welcome to Senior Care Live. I'm Steve Keeker.
You're Senior Care Consultant and I really appreciate you tuning
in today. We have a wonderful program, informative program on
tap today with my friend and special guest in studio,
mister Bruce Glenn. He's the senior Wealth Manager and president
of Rally Wealth and Benefits In Bruce, Welcome back to
(00:46):
Senior Care Live.
Speaker 3 (00:47):
Thanks Steve, always good to be here with you.
Speaker 2 (00:49):
All right now, Bruce is going to cover some some
really really important information in Kansas City dial nine to
one three three zero eight zero two seven seven outside
of the KC area toll free nationwide eight eight eight
two four one two three six one. Can also visit
their excellent website at RALLYWB dot com. And Bruce, I
(01:11):
was thinking about you the other day. I was visiting
with a friend of mine. He's like yeah, I'm thinking
about retiring, but you know, the market's going crazy. And
one day I lost money, the next day I made money,
and he's pulled his hair out, and then I kind
of had to complain a little bit. Tariff's bad market down,
we have a deal with so and so market market,
Tariff's good market up. I mean, it kind of drives
me crazy. And you predicted exactly what happened.
Speaker 3 (01:34):
Yeah, thanks, Steve. You're right. I really felt like this
is gonna be kind of a COVID type of event
where the you know, the bad news drove the market
down pretty hard for a couple of months. And then,
as I said, if we get a couple of key
trading partners online, then you're gonna see the rest of
them sort of fall in place. And that's exactly what's happening, yep.
And as soon as the market felt like there was
being to be some certainty, then the marke would be
happy and it would you know, have a nice rebound,
(01:55):
which that's what we're seeing right now. And it can
still change, you know, but yeah, so far that part
of the equation is improving quite a bit.
Speaker 2 (02:03):
Well, And you've always said, you've always kind of warned
people informed people that the market does not like uncertainty,
and so you hear something it sounds a little uncertain
and it reacts. We have more certainty, it reacts, so yeah,
that's exactly correct.
Speaker 3 (02:19):
So yeah, absolutely, And so the challenges is in the
short term you have bad news or you have you know,
political risk or economic news that hurts in the short term,
but in the long term, your corporate profits and these
type things kind of take over and you get more
rationality to the price in the markets.
Speaker 2 (02:35):
Good, well, let's let's have a let's have a general
market update, because it's been just a little while since
we talked to it, and a lot of water has
gone under that bridge.
Speaker 3 (02:45):
So yeah, day by day and we're here about once
a month, right, absolutely, So yeah, the markets have you know,
been relatively volid over the last month. Obviously this would
be five hundred is currently up you know, May, it's
been a pretty good starts to the month. It's up
you know, one percent for the for the year at
this point, so it's recovered enough. It's it's recovered a
double digit amount in May, which has got us back
(03:06):
up into positive territory for the year today. So that's
great news. Uh. You know, we've also seen strengthen the
overall tech world, although some of the more volatile tech
items are still down. Uh, industrials have done pretty good.
Retail utilities and even the broader services have done fairly
well so far this year. You know, some areas that
are lagging. Energy has been a challenge still and we
(03:29):
talked about that, you know last month. Discretionary spending and healthcare,
those items have been a drag on the market.
Speaker 2 (03:37):
You know.
Speaker 3 (03:37):
The treasury is something that a lot of people monitoring,
Like the tenure treasure right now is in the mid
four percent range, and it you know, it bounces around
a couple of basis points per day typically. But for
the studies, since the Fed policy has been a little
more consistent than what it had been.
Speaker 4 (03:52):
Uh.
Speaker 3 (03:53):
But you know, there's you know, key economic indicators that
we like to watch, you know. Uh, one is that
the inflation numbers, which we track a lot that's currently
running at a two point three percent and that's you know,
down from from last year, so that's improving. Although April
was up three tenths of a percent, which that's above
(04:13):
that two point three percent annualized pace.
Speaker 2 (04:15):
But a lot of that.
Speaker 3 (04:16):
If you think about that, when the tariff conversations spiked up,
that made a lot of business buying decisions. You know,
they're trying to buy things in before tariffs are kick in.
Then when the tariffs don't happen, you know that it
may affect the Q two numbers when it's all said
and done. They kind of overbought in Q one to
try and voice on the tariff conversation. I always say that,
(04:36):
you know, people are working and they're spending money. So
unemployment right now is at four point two percent, and
you know that consus to be a steady strong, you know,
employment market, and that's that's key, right, If people have jobs,
they're spending money, then the economy is pretty strong consumer
spending and that's about you know, two thirds of the
GDP that we measure, the consumer spending is showing steady
(05:00):
you know, which you know, again we closely watched that
kind of see what the broader consumers doing. March was
up seven tenths of a percent, and again I think
that some of that was you know, filtered in on
the tariff conversation. But overall, you know, pretty good situation there, and.
Speaker 2 (05:13):
You know on the on the unemployment when you see
our president out making all of these deals and we
have car manufacturing huge plants coming, and all this Boeing
and all the we're going to be adding hundreds of
thousands of jobs. And I would expect that number to
go down over the next couple of years as all
(05:33):
of these jobs start to fill with all of this
new business that's coming.
Speaker 3 (05:38):
Yeah, absolutely, and that can also create bubbles in the
employment market when you have a whole lot of big
orders coming in on those big, huge Boeings and the
type of thing or John Deere, caterpillar, take your pick, right.
But you know, speaking of that, you know the Federate
is obviously a big item as well. So you know
the Federate now is holding because they've said they're planning
on kind of pause until September, so we'll see what
(05:59):
the summer season does and what tariffs to do. So
I think the Fed just wants to sit back and
wait and see and then they may resume, possibly cutting
a couple of times than Q four is my feeling.
You know, right now, the FED rate at four point
three three a year ago, is at five point three three,
so it's down a percent. Of course they made those
cuts at the end of the end of twenty twenty
(06:22):
four mainly, and then prim rates at seven and a
half percent. Of course, that's the rate that the you know,
good credit lenders tend to get from the banks and
our borrowers, I should say. And then you know, what's
more important to a lot of our listeners probably is
what's that thirty year mortgage at And right now it's
at six point eight one percent, So six point eight
one It still sounds high compared to our recent history,
(06:43):
but you and I know we've seen it as bad
as fifteen to eighteen percent. Yeah, maybe twenty percent back
in the early eighties.
Speaker 2 (06:48):
Back in the day.
Speaker 3 (06:49):
Yeah, And long term average mortgages are around six percent,
so we're not that far off.
Speaker 2 (06:54):
We got spoiled rotten with two and three percent though
for a long time.
Speaker 3 (06:57):
Yeah, absolutely, And I don't know if we'll get down
there again, to be honest with you. And a lot
of that was coming out of the credit crisis of
eight oh nine, and so I don't know if we're
going to see that again. Hopefully nothing's bad enough to
get instrates that bad again, yeah, right, because that effected
everything including you know savers. Some people don't want to
be in the markets. They'd rather be saving at the
bank if they need a reasonable return on their money, right,
So that really hurt those folks the last ten to
(07:19):
fifteen years.
Speaker 2 (07:19):
Ye.
Speaker 3 (07:20):
Well, but you know the other things we're watching, Uh,
you know, corporate earnings is a big indicator to me
a kind of where we're going. And uh, you know,
recent reporting season, we've seen about seventy percent of the
companies beat their numbers. You know, so that's a good
reporting season. And you know, we'll see how that that
tariff part, you know, affects that. But AI is you know,
(07:41):
still a big driver. The challenges are still a commercial real
estate as we know. I mean, a lot of these
buildings are sitting around, ghost buildings, are half empty, and
and so that's but that some companies are making people
go back to work at you know, not they're not working,
but go back into.
Speaker 2 (07:54):
The office physically show up in the office and right
maybe work a couple of days at home, three days
in the office. But everyone's getting back into the office.
But there's there's still a huge glut of open or
unfield offices. They're just empty.
Speaker 3 (08:09):
Yeah, absolutely so you're kind of boiling that part of
a down. You know, what does it mean for the
regular investor out there? So what we did starting a
year ago was we started, you know, reducing our exposure
to the Magnificent seven stocks because they has such an
overweight amount of money in the seven biggest stocks. And
then we position ourselves more towards yield, heavier yield. So
(08:30):
when we have these volatility areas, you know, we're picking
up more shares at a cheaper price. And we rebouanced
again here in April, so we rebalanced quite a bit.
But I would say right now I'd still be heavier
towards yield and not be too growth on at the moment.
That's kind of our position, and that may change as
we could get more of the tariffs, you know, kind
(08:50):
of in the in the rear view mirror.
Speaker 2 (08:52):
All right, and I'll tell you about I learned something.
I am not an expert in all the financial that's
why because we can ask you questions. But when you
had a big company dinner is about a month ago,
and there was a gentleman talking about, you know, investments
in that sort of thing, I learned something that kind
of blew my mind, and he said something to the
(09:14):
effect of, and he was talking about AI. Do you
invest in AI? And then I'll get to what he said.
But he said, when you go on to like a
chat GPT or something like that, and you just type
in a question and then it thinks about it for
a couple of seconds and then poof, here's your answer.
He said that requires as much energy as a light
(09:36):
bulb uses in fifteen minutes. And that blew my mind.
So he talked about investing in AI, but more importantly
investing in energy, the infrastructure of energy that will support
this explosion of AI. I just thought that was fascinating.
Speaker 3 (09:53):
Yeah, one hundred percent. So energy, you know, we need
all the above right now. Yeah, because I mean we'd
like to be green and everything else, which we're getting
the more and more that way. But we do have
to have like over fifty of these depots or con
do it's for energy, whether it's win or solar, you
got to get it to market, right yep. So yeah,
this will be big need there.
Speaker 2 (10:09):
Absolutely. We're speaking today with mister Bruce Glenn. He's the
senior wealth manager and president of Rally Wealth and Benefits
in Kansas City, nine to one three three zero, eight zero,
two seven seven, toll free eight eight eight two four
one two three sixty one and online at rallywb dot
com and now the Senior Care Live Question of the Week.
(10:31):
There are tax advantaged ways to save for healthcare costs
in retirement like HSA's is this stay a true or false?
What do you think?
Speaker 1 (10:43):
You're listening to Senior Care Live on the Senior Care
Broadcasting Network. For more information, visit seniorcare Live dot com.
Speaker 2 (10:51):
We'll have more with Steve coming up next.
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Speaker 2 (12:06):
Welcome back. You're listening to Senior Care Live on the
Senior Care Broadcasting Network. For more information, go to seniorcare
Live dot com. Back to the Senior Care Live question
of the week. There are tax advantaged ways to save
for healthcare costs in retirement, like hsas. Is that statement
(12:27):
true or false? And the answer is true. The answer
is true in Bruce, why is that statement true?
Speaker 3 (12:39):
Thanks, Steve. I would back up a little bit and
say that hsas are a great saving vehicle heading towards retirement.
They've got some advantages once you get into retirement, if
you've got some money left over, you can convert them
to some investments and things like that. But there's certainly
a you know, a tax advantage on the saving side
of it, so that's great, and the tax free growth
(13:01):
on that money and be able to convert that to
some retirement money as well.
Speaker 2 (13:04):
Long term care.
Speaker 3 (13:05):
In certain states there are some advantages to having some
long term care also, So again state by state, this
kind of depends on your situation, but there are a
few things out there that can help from tax standpoint.
Speaker 2 (13:17):
Excellent, excellent. We're speaking with mister Bruce Glenn. He's the
senior wealth manager and president of Rally Wealth and Benefits
in Kansas City nine to one three three zero eight
zero two seven seven toll free eight eight eight two
four one two three six one online at rally wb
(13:37):
dot com. And if this conversation is sparing questions and
you're like, wait a minute, Yeah, I haven't been hearing
about these things, and maybe I need to get a
second opinion. Maybe I need to call Bruce, just just
ask him a question again. Reach out to Bruce. Great guy,
super knowledgeable. He will help you. He can help you.
So let's jump into you know, just pre long term care.
(13:58):
So you know, what's did people be doing in their say,
in their fifties and sixties to prepare for healthcare cost
in retirement.
Speaker 3 (14:06):
Like I said that, you know, they just say I
think is one of the best things you can do.
More specifically to health care costs more directly and possibly
long term care. But an answer part of that is
when you get into retirement, you don't want to be
getting killed with a high Medicare premium. And the Medicare
premium is, as they call it, means tested or means weighted,
meaning how much can you afford to pay? We're going
(14:27):
to make you pay, right, and so you really want
to start strategically thinking about taxation so that you keep
that Medicare premium down lower. So there's some strategic planning
things we can do in your fifties and sixties to
kind of prepare you and making some decisions are going
to help out with the medical cost when you're thinking
about the Medicare premium and some of the things that
go along with that.
Speaker 2 (14:48):
Okay, all right, And then how do you help clients
estimate and budget for out of pocket medical expenses during
retirement because as we all know, as we get older,
we start to require and pay for more and more
healthcare needs and expenses.
Speaker 3 (15:04):
Right, So when we're working with our clients and folks
that want to call up, we can talk about your
your family history, what your current medical situation is, and
kind of make some plans according to that and what
options are available to you or may not be available
to you. But we've got a really sophisticated planning tool
that we use and it goes very deep into a bucket,
(15:27):
you know, bucket items from you know, car expenses to
you know, your home breakdowns and your Medicare expenses and
breaking down into the Medicare premiums and other out of
pocket type items. And we use the government averages in
most cases. But it's also an individual interview and kind
of get a feel for what's going on and what
your overall financial situation is and how much room we've got,
(15:47):
maybe some roth conversions things like that that can help.
Speaker 2 (15:51):
Now can it predict me having a cyst in my
brain at age sixty three?
Speaker 3 (15:57):
Oh?
Speaker 2 (15:57):
Absolutely? You know either way, you look a novelous. Oh
thank you, thank you very much.
Speaker 3 (16:05):
I guess that's the advantage of having the procedure done
through your nostrils.
Speaker 2 (16:08):
Yeah, yeah, I don't. I don't have any crazy scarring,
so yeah you can't. Like you said, I mean, you
saw me last week and you're like Steve, that surgery
was two weeks ago. You perfectly normal. I feel great,
I've been very very blessed.
Speaker 3 (16:21):
Very voices spot on too.
Speaker 2 (16:22):
Yeah yeah, well, thank you, thank you so much. So okay,
so can you explain how Medicare works and what it
does and does not cover?
Speaker 3 (16:32):
Right? So, Medicare a lot of people think that it's
kind of the end all be all.
Speaker 2 (16:36):
It's not.
Speaker 3 (16:37):
The nice thing about it is you can universally get
it if you paid into the system long enough, right,
But Medicare typically pays about eighty percent of your cost,
and so it's really smart to have some kind of
I call it meta gap. You know, there's an advantage
plans you can get, and there's supplement plans you can get,
(16:57):
and they both work differently, but they can help offset
some or all of the costs that Medicare does not cover.
So those are really really important concepts to understand when
you get ready to plan for your health care costs.
Speaker 2 (17:10):
Okay, And then what are the differences between Medicare advantage
plans and then the Medicare supplement plans? And then how
do you go about helping a client determine which one
is best for them?
Speaker 3 (17:22):
Right? So, first of all, I'd say it depends on
your ensurable interest. So a Medicare supplement plan in my mind,
is kind of like a full collision and liability coverage
on your car, right if you're driving in nineteen seventy four, pento,
it's not worth anything at this point. You don't you're
not gonna have full coverage on it. Right, Well, if
(17:43):
you don't have enough money saved, it doesn't make any
sense to be paying two or three hundred bucks a
month or whatever the Medicare supplements costs today. But if
you have a lot of money, I usually say three
hundred and three hundred fifty thousand on up, it probably
just he's paying for the Medicare supplement costs and pinning
doesn't cost as much. It helps offset some of that
(18:05):
out of pocket that Medicare doesn't cover. But if you
get into a big issue a stroke, cancer, heart, big issues,
big dollar type prim brain, syst brain cysts, right, big
big items like that, then you you want to have
the Medicare supplement policy. They'll cover except for a little
bit of copays, it'll versually cover everything else out pocket.
Speaker 2 (18:24):
Yeah, you have some copays and deductibles, but it's it's reasonable.
So so, how do rising healthcare cost impact retirement income?
Planning and how can retirees protect themselves.
Speaker 3 (18:36):
Well, like so that you know the medic gap plans
to a certain degreement, I would say, getting your taxes
down as good as possible. And so that kind of
goes to the point of, you know, when we get
ready to retire, when do we turn social Security income on?
Do we pre spend down some of our four O
one K pre tax money or our pre tax IRA,
so we spend that money down before we turn solid
(18:57):
security on. Possibly do we consider doing some WRAW converting
where we take our pre tax bucket, convert some of
that to WROTH and pay some of the taxes early
to avoid paying more taxes later because you have more
income coming in because you have to require minimum distribution
ages that you know, most people on the listening audience
are probably going to start paying rm D if they're
(19:17):
not already at age seventy three if they're born before
nineteen sixty, or at seventy five if they're born after
nineteen sixty. And so that's an important critical point because
if you've got a big balloon note of all those
tax money's going to hit you and this income's going
to hit you, it's going to throw your Medicare premiums
through the roof and a lot of things like that.
Speaker 2 (19:36):
Okay, and then what advice do you have for clients
who retire before they're eligible for Medicare?
Speaker 3 (19:41):
Right, So, make sure you've got good coverage available to
you that's going to be sustainable, and make sure it's
going to include all the doctors and the network that
you want to be in. And if you travel a lot,
make sure it's going to cover you no matter where
you're at, if it's domestic travel or international, whatever the
case is. But don't just blindly think that you've got
you just hid you have coverage. That is what you
(20:02):
need to have.
Speaker 2 (20:03):
Yeah, and I think that the travel part of that
is super super important. So Bruce, thank you so much
for being here today. If you have questions for Bruce Glenn,
he's a senior wealth manager and president of Rally Wealth
and Benefits in Kansas City. Nine to one three three
zero eight zero two seven seven toll free eight eight
eight two four one two three six to one. We're
(20:26):
online at rallywb dot com. And Bruce, thanks so much
for being here today and I'm looking forward to uh
charing with you for the Royals here, we'll see see
how we're gonna do this year. Thanks Steve, we'll have
more coming up next.
Speaker 1 (20:44):
You're listening to Senior Care Live on the Senior Care
Broadcasting Network. Have a question, visit Seniorcare Live dot com.
Speaker 2 (20:51):
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Consulting dot com. Welcome back. You're listening to Senior Care
Live on the Senior Care Broadcast taking Network. For podcasts
of the program, visit Seniorcare Live dot com or wherever
you get your podcasts. All right, So this is Memorial
(22:24):
Day weekend. And I'll tell you what does it seem
early this year? I don't know, I just it seems
a little bit early, but it's not. This is the
right weekend. Memorial Day originally known as Decoration Day. And
I'll tell you what. My Grandma Keecker, she always called
it Decoration Day, and I think that's maybe where she
got that. But Memorial Day is a federal holiday honoring
(22:47):
and mourning US military personnel who died while serving in
the US Armed Forces, and since nineteen seventy one, it
has been ad on the last Monday of May. And
I'll tell you my mom and I we have a
kind of a I wouldn't say it's not a new tradition.
(23:09):
We've probably been doing it for about twenty years. But
we have a tradition of visiting all of the grave
sites in our family the Friday of Memorial Day weekend.
So it's not too terribly busy. But and then all
the graves get to be decorated for you know, quite
a little bit longer that way, but we always decorate
with flowers and everything. And my grandpa Queves, now that's
(23:31):
on my mom's side, Dimitrio Queves. He served in World
War Two. Let me just brag about him a little bit.
He received received a purple Heart and we always place
a flag at the foot of his grave remembering his service.
And just a short story. He was in World War Two.
(23:53):
He got shot in the knee and I cannot imagine
how painful that was. But while after getting shot in
the knee, he picked up one of his buddies who
also got shot and was down. He couldn't he couldn't move,
and pulled and basically carried his fellow soldier to safety
(24:18):
with one working knee. Okay, they did not call them
the Greatest Generation for nothing. I'm telling you that, right. So,
just to brag about my grandpa a little bit. And
so during this time of the year, I always like
to discuss the VA Aid and attendance benefit just around
Memorial Day. I also talked about it in the fall
around Veterans Day. But let's jump right into that Vaaid
(24:41):
and Attendance benefit. I always discussed this with my clients
from Senior care consulting when we talk about, you know,
how to pay for the high cost of senior care.
So the Vaaid and Attendance Benefit, it's financial assistance that
can help veterans or the surviving spouse of a veteran
(25:01):
pay for the cost of care. You must require help
with at least two activities of daily living. And I'll
break all this stuff down here in a minute. There
is a service requirement. Not just anyone can apply for this,
but so many people can and they're just not even
aware of it. That's why I'm always talking about this.
(25:22):
And then we have a financial criteria requirement as well.
So the service requirement for the VA eight and Attendance
benefit at least ninety consecutive days of active duty. So
if you sign up to be you know, the Army
or the Navy, Air Force, Marines, et cetera, et cetera,
(25:45):
and you're going to be active duty, you're usually there
at least ninety consecutive days. That's pretty easy to hit
that one, at least one day during a period of war.
And so I'll go through the date ranges here in
just a second, as far as you discharge, not dishonorably discharged,
(26:06):
So obviously you have an honorably discharge, but you have
a lot of other discharge types as well, medical discharges,
et cetera. So just not dishonorably discharged. Your income, your
monthly income needs to be less than the monthly cost
of care to trigger the maximum payout or the maximum benefit.
And then liquid assets. This is something a little newer
(26:29):
in the program. You can have liquid assets, so think
checking savings, money market mutual fund CDs, those sort of things.
So the twenty twenty five number one hundred and fifty
nine thousand, two hundred and forty dollars or less, well, Steve,
what if I have one hundred and eighty thousand dollars
(26:51):
in liquid assets, that's okay, keep track of that. And
once those liquid assets are spent down to that trigger
of one fifty nine to two forty, then you would
you could check that box and you would meet that criteria,
and then there is a three year look back. And
so that liquid asset and the three year look back.
(27:11):
That's similar to some medicaid language and Medicaid criteria qualifications,
and so although medicaid is a five year used to
be three years, so three years looking back. So if
you gave away, you know, a million dollars in the
last three years, and now you want to take advantage
of this benefit, that's not going to work. Okay, So
(27:31):
it's someone again one hundred and fifty nine and forty
dollars in liquid assets or less than that three year
look back. Now, as far as the activities of daily living,
and let's say if you move to if you have
a home care provider helping you, helping provide care in
your home, or especially if you move to assist a
living and definitely if you move to long term care, Okay,
(27:53):
you're going to check these at least a couple of
these boxes. But you must require assistance with at least
two activities of daily living. And so you have bathing, dressing, mobility,
and transferring. So mobility is getting you know, from your
room to dining or activities. Transferring is help moving from
(28:15):
point A to point B, helping you out of bed
to your walk or your wheelchair, that sort of thing. Helping.
One of the ADLs is eating and another one is toileting.
So it's pretty easy if you need help with those
activities of daily living, pretty easy to check two of
those boxes. And you could check all of them, of course,
but at least two. Okay, this is important. The official
(28:39):
dates for periods of war. So we have World War Two.
We have fewer and fewer veterans from World War Two
with us, but there are still quite a few. December seventh,
nineteen forty one, of course, all the way through December
thirty first, nineteen forty six. So I say you signed
(29:02):
up and your first day was December of the thirty first,
nineteen forty six, you can check that box if you're
in ninety consecutive days or longer, at least one day
during a period of war. It could have been the
last day on that period, but that checks the box, right.
The Korean War, or some call it the Korean Conflict
June the twenty seventh, nineteen fifty all the way through
(29:24):
January the thirty first, nineteen fifty five. Then the Vietnam
and most of my clients are from World War II
and Korean War. I'm starting to have some clients who
did serve in the Vietnam War. August the fifth, nineteen
sixty four, all the way through May the seventh, nineteen
seventy five. And I have a lot of people say, well, Steve,
(29:45):
I mean I served in Okinawa or and I was
not involved in fighting or a theater of war. I
never fired my rifle, Steve, I served in San Diego.
I was in logistics in support. That's fine, it's just
serving at duty. There is one exception in the Vietnam War,
if you had boots on the ground. It goes all
(30:07):
the way back to February twenty eighth, nineteen sixty one.
If you served in Vietnam boots on the ground for
all others Vietnam period of war for the purposes of
qualifying for this benefit would start August fifth, nineteen sixty four.
Hopefully that makes sense. This is the payout, so a
single veteran could receive a maximum, and this is the
(30:30):
twenty twenty five numbers. Okay could receive a maximum for
a single veteran of two thousand, three hundred and fifty
eight dollars. If you're the surviving spouse of a veteran
who has passed away, and you're the surviving spouse, you
would also qualify for the benefit at the level maximum
level of one thousand, one hundred excuse me, one thousand,
(30:52):
five hundred, and I just learned to read yesterday. Okay,
one thousand, five hundred and fifteen dollars a month. Now,
married veterans two thousand, seven hundred and ninety five dollars.
And those the first two are the main ones that
I see, that single vet and then the surviving spouse
of a veteran. So I know that numbers sometimes don't
(31:13):
translate very well over the over the radio. But I'm
going to give you a without the benefit and with
the benefit example. And this is a real life example.
So let's say a veteran has one hundred and fifty
thousand in liquid assets and he has an income of
three thousand dollars a month. He's living in an assisted
living community that costs seven thousand dollars per month. So
(31:34):
if you do the quick, easy simple math wor short
by four thousand dollars per month, okay, we have one
hundred and fifty thousand in assets. So without the VAAD
and attendance benefit, okay, his assets will last for thirty
seven months about three years. Okay, with the benefit. This
is this is huge. The same person with one hundred
(31:55):
and fifty thousand in assets income of three thousand. Now
that single veterans and is bringing in an additional two thousand,
three hundred and fifty eight dollars, So their new income
is five thousand, three hundred and fifty eight dollars. The
assistant living costs seven thousand dollars. Now we're only short
by one thousand, six hundred and forty two. It's just
(32:15):
simple math. So with the aid and Attendance benefit, the
same assets will last for ninety one months or seven
point six years. It's a huge, huge difference. And after
the break, I'm going to let you know how you
can apply for the VA Aid and Attendance benefit.
Speaker 1 (32:38):
You're listening to Senior Care Live on the Senior Care
Broadcasting Network. To contact Steve or a guest on his show,
this is Seniorcare Live dot com.
Speaker 2 (32:47):
We'll have more coming up. So you've been living independently
at home, but now it's not working out. It's time
to begin searching for a senior care community. But with
hundreds of independent living, assisted living, long term care, and
(33:10):
memory care options, how are you supposed to determine the
best place for you? Hello? I'm Steve Keeker, and this
is exactly why I created my firm, Senior Care Consulting.
I help my own grandparents through this difficult process, so
I know how overwhelming this can be. Our business model
ensures credibility and objectivity. We work directly for you and
(33:32):
we never receive reimbursement from any provider. We've helped hundreds
of families since two thousand and two, and we can
help you and your family as well. Call today for
a free consultation at nine one three nine four five
twenty eight hundred. Nine one three nine four five twenty
eight hundred a placement service with integrity at Seniorcareconsulting dot com.
(34:05):
Welcome back. You're listening to Senior Care Live on the
Senior Care Broadcasting Network. Have a question, visit Seniorcare Live
dot com. All right, so you can reach out to
your local VFW or the VA in your city or
in your area in your region, I refer all of
my clients to the national headquarters of the VFW. They
(34:29):
coincidentally just happen to be right here in downtown Kansas
City thirty fourth and Broadway. But you can go to
your local VFW. Like I said, you know the va
in your area, but I send everyone here. This is
a direct line to a group of Veteran Service officers
who will help you apply for that VAA and attendance benefit.
(34:50):
You don't have to be a member of the VFW.
There is no charge. They will help you do this.
They want to help you or your veteran your loved
one qualify for or anything and everything they can qualify for. Really,
really great group of people there. That number is eight
one six nine six eight one one five three, and
(35:10):
then the main phone number into the national headquarters of
the VFW eight one six seven five six three three
nine zero. So I'm gonna shift gears here. Talk about
my firm Senior Care Consulting, just briefly, and then a
tremendous business opportunity. If you've listening, if you've been listening
(35:32):
to the show for any length of time at all,
you know that with my firm Senior Care Consulting. First
of all, I'm so proud. I'm like a proud papa.
My buttons are bursting all the time when I talk
about this. Very simply, we help our clients find the
best fit when it comes to searching for a senior
care community, either for themselves or a loved one. So
(35:53):
if it involves moving from your home to a plays
that provides care for seniors, that is our niche in
the world. And so I like to say that you know,
we're about two feet wide, We're about two miles deep.
We go deep with our clients and when we help
them in just just a major, major way, we can
help you find the best possible assisted living facility, memory care,
(36:16):
long term care. We're working with more and more people
who want connected services, so we might be looking at
assisted living where you could age in place and move
through to long term care if needed, and working with
more and more individuals and couples wanting to downsize from
their home and move into a continuing care retirement community
into the independent living part of it, and then age
(36:37):
in place, move to assisted living when you need help
with your activities of daily living, move to long term
care when you need more help than that. Okay, So
that's what we do. The business model. We operate on
a flat fee for service. This is the right thing
to do. I have a registered trademark that is a
placement service with Integrity, because that is exactly what we offer.
(37:02):
We do not receive one single penny from any provider.
I'm old school in my opinion, and I'm unapologetically old school.
I'm old too, unapologetically old school. I think it is
a gross conflict of interest to recommend a place. If
(37:23):
you choose it, then they grease my palm with the
six seven, eight thousand dollars check right there, you lost
all your objectivity, you lost all your credibility. Thanks, but
no thanks. That thought never entered my mind. We work
directly for our clients. Our clients retain us, retain us
just like you would retain an attorney, a tax accountant,
(37:46):
or any other professional service provider that helps you through
a process. And we just had Bruce Glenn, financial advisor,
wealth manager, phenomenal resource of phenomenal Guy his firm. They
are a fiduciary, and so there's we have a fiduciary
model that is not in financial services, it's in the
(38:08):
in the placement placement business. So we don't receive kickbacks
from any of the providers. We get along with everyone.
We work very professionally with everyone. We just don't receive reimbursement.
And that's the way I think this should go. So
the business opportunity. I am expanding senior care consulting. I
(38:29):
have for a very long time I have wanted to
help people, you know, outside of the Kansas City area,
and I think the best way to do that is
to open offices all across the country and offer franchise opportunities.
It's a reasonable franchise cost. Now you are starting your
own business, so I mean you're starting a business from scratch.
(38:50):
We're talking about franchise fees, training, some technology fees, marketing, insurance,
all of the things. Okay, so you're not going to
open the thing for ten bucks, all right, but it
is in in the franchising world, this is a very
very reasonable franchising fee in total. And uh, if you
are interested in that, give me a call. I would
(39:13):
like to visit with you. I'm creating the Founder's Club.
First five in you're going to get discounted franchise fees,
and you're going to get a heck of a lot
more territory than what is normally offered here. So that
package is going to be worth tens of thousands of dollars.
I'll just tell you that, all right. Call eight three
(39:34):
three s C C fran Super easy to remember. Eight
three three s C C FRAN. Now somebody out there
is driving or they're writing it down. They're like, come on, Steve,
you can't do that. You're going to make me look
look this stuff up. All right, let me give you
the phone number eight three three seven two two three
(39:55):
seven two six and that is the number for see
see franchising and just give us a call. And if
you want to go to the website, it's an excellent
website Seniorcare Consulting dot com forward slash franchising, and it
talks about the franchising opportunities. There are forms here that
you can fill out and submit your questions, your information.
(40:19):
Let us know you're interested in Orlando, Florida, or Dallas, Texas,
or Phoenix, airs up wherever you're at. I just picked
on like southeast and the South. We're not in every
single state, but we're in the majority of them. And
if you go to this page, it talks about the
industry and how many people need help and how big
this industry will be in just five short years by
(40:42):
twenty thirty. And it talks about you know why franchising
with us okay, any you know recession financial pressures don't
really have much of an effect on this business. If
you need care, you need care. Whether the financials you know,
we just talked about financials with Bruce Glenn, so whether
the economy is doing well or not so great. If
(41:03):
you need care, you need care. So we're fairly insulated there.
You can owning your own franchise, you own, you own
and run your own business so you have work life balance.
You can work from home with a flexible schedule, no
employees required. You can do this on your own, high
profit margins. This is a pure this is a pure service. Okay.
(41:23):
We get paid for our knowledge and our information that
we provide to our clients. And then you talk about
a purpose driven business. Okay, this is this is something
that you can be proud of offering this type of
a service, offering it the way that we offer it,
and again offering a placement service with integrity. So just
(41:45):
reach out again eight three three scc fran eight three
seven two two three seven two six and would love
to visit with you about that. Give me a call
and let's do this again. This weekend, Memorial Day weekend
is more than just firing up the barbecues, opening the
swimming pools and all the other the beginning of summer stuff, right,
(42:08):
and there's nothing wrong with all of that, but let's
all remember to take some time to say thank you
to our veterans and remember all who have fallen serving
and protecting our great country. May God continue to bless
the United States of America, and I'm your host, Steve Keeker,
(42:28):
and I wish you grace in peace. May God bless
you and your family on this day and always join
me next week right here on Senior Care Live.
Speaker 4 (42:47):
Does your business serve the elderly and their caregivers in
our area? There are hundreds of thousands of people either
receiving or providing senior care, and they need to know
about you. A unique and successful radio pro called Senior
Care Live is the perfect opportunity to let your target
audience know about your amazing products and services. Senior Care
(43:08):
Live is currently adding a limited number of partner sponsors,
and if you're aligned with their mission, they want to
talk to you. They're interested in partnering with hospital organizations,
physician groups, home care providers, as state planning and older
law practices, financial advisors, insurance companies, real estate brokers, home
health agencies and other providers serving the elderly and their caregivers.
(43:32):
Senior Care Live has a limited number of partner sponsor opportunities,
so call now at nine one three nine four five
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dot com.
Speaker 2 (43:48):
Quid pro quo a Latin phrase that means an exchange
of goods or services where one transfer is contingent upon
the other. Here's an example. I'll recommend your senior care
community if you'll pay me a huge kickback from my referral.
The free referral services have a vested interest in you
choosing one of their business partners. That's how they make
(44:10):
their money. Does this paid recommendation sound objective or credible?
Of course not. I'm Steve Keeker with Senior Care Consulting.
I'm so proud to say we have never received a
single penny from any provider ever. We offer a placement
service with integrity for help finding the right senior care community,
without conflict of interest, and without the quid pro quo
(44:34):
called nine one three nine four five twenty eight hundred
nine one three nine four five, twenty eight hundred replacement
service with integrity at Seniorcare Consulting dot com.
Are you caring for an aging loved one? Are you
a senior searching for answers? Welcome to Senior Care Live,
a program dedicated to you, providing information, education and resources
for seniors and their caregivers. And now America's Senior care Consultant,
Steve Keecker.
Speaker 2 (00:24):
Hello and welcome to Senior Care Live. I'm Steve Keeker.
You're Senior Care Consultant and I really appreciate you tuning
in today. We have a wonderful program, informative program on
tap today with my friend and special guest in studio,
mister Bruce Glenn. He's the senior Wealth Manager and president
of Rally Wealth and Benefits In Bruce, Welcome back to
(00:46):
Senior Care Live.
Speaker 3 (00:47):
Thanks Steve, always good to be here with you.
Speaker 2 (00:49):
All right now, Bruce is going to cover some some
really really important information in Kansas City dial nine to
one three three zero eight zero two seven seven outside
of the KC area toll free nationwide eight eight eight
two four one two three six one. Can also visit
their excellent website at RALLYWB dot com. And Bruce, I
(01:11):
was thinking about you the other day. I was visiting
with a friend of mine. He's like yeah, I'm thinking
about retiring, but you know, the market's going crazy. And
one day I lost money, the next day I made money,
and he's pulled his hair out, and then I kind
of had to complain a little bit. Tariff's bad market down,
we have a deal with so and so market market,
Tariff's good market up. I mean, it kind of drives
me crazy. And you predicted exactly what happened.
Speaker 3 (01:34):
Yeah, thanks, Steve. You're right. I really felt like this
is gonna be kind of a COVID type of event
where the you know, the bad news drove the market
down pretty hard for a couple of months. And then,
as I said, if we get a couple of key
trading partners online, then you're gonna see the rest of
them sort of fall in place. And that's exactly what's happening, yep.
And as soon as the market felt like there was
being to be some certainty, then the marke would be
happy and it would you know, have a nice rebound,
(01:55):
which that's what we're seeing right now. And it can
still change, you know, but yeah, so far that part
of the equation is improving quite a bit.
Speaker 2 (02:03):
Well, And you've always said, you've always kind of warned
people informed people that the market does not like uncertainty,
and so you hear something it sounds a little uncertain
and it reacts. We have more certainty, it reacts, so yeah,
that's exactly correct.
Speaker 3 (02:19):
So yeah, absolutely, And so the challenges is in the
short term you have bad news or you have you know,
political risk or economic news that hurts in the short term,
but in the long term, your corporate profits and these
type things kind of take over and you get more
rationality to the price in the markets.
Speaker 2 (02:35):
Good, well, let's let's have a let's have a general
market update, because it's been just a little while since
we talked to it, and a lot of water has
gone under that bridge.
Speaker 3 (02:45):
So yeah, day by day and we're here about once
a month, right, absolutely, So yeah, the markets have you know,
been relatively volid over the last month. Obviously this would
be five hundred is currently up you know, May, it's
been a pretty good starts to the month. It's up
you know, one percent for the for the year at
this point, so it's recovered enough. It's it's recovered a
double digit amount in May, which has got us back
(03:06):
up into positive territory for the year today. So that's
great news. Uh. You know, we've also seen strengthen the
overall tech world, although some of the more volatile tech
items are still down. Uh, industrials have done pretty good.
Retail utilities and even the broader services have done fairly
well so far this year. You know, some areas that
are lagging. Energy has been a challenge still and we
(03:29):
talked about that, you know last month. Discretionary spending and healthcare,
those items have been a drag on the market.
Speaker 2 (03:37):
You know.
Speaker 3 (03:37):
The treasury is something that a lot of people monitoring,
Like the tenure treasure right now is in the mid
four percent range, and it you know, it bounces around
a couple of basis points per day typically. But for
the studies, since the Fed policy has been a little
more consistent than what it had been.
Speaker 4 (03:52):
Uh.
Speaker 3 (03:53):
But you know, there's you know, key economic indicators that
we like to watch, you know. Uh, one is that
the inflation numbers, which we track a lot that's currently
running at a two point three percent and that's you know,
down from from last year, so that's improving. Although April
was up three tenths of a percent, which that's above
(04:13):
that two point three percent annualized pace.
Speaker 2 (04:15):
But a lot of that.
Speaker 3 (04:16):
If you think about that, when the tariff conversations spiked up,
that made a lot of business buying decisions. You know,
they're trying to buy things in before tariffs are kick in.
Then when the tariffs don't happen, you know that it
may affect the Q two numbers when it's all said
and done. They kind of overbought in Q one to
try and voice on the tariff conversation. I always say that,
(04:36):
you know, people are working and they're spending money. So
unemployment right now is at four point two percent, and
you know that consus to be a steady strong, you know,
employment market, and that's that's key, right, If people have jobs,
they're spending money, then the economy is pretty strong consumer
spending and that's about you know, two thirds of the
GDP that we measure, the consumer spending is showing steady
(05:00):
you know, which you know, again we closely watched that
kind of see what the broader consumers doing. March was
up seven tenths of a percent, and again I think
that some of that was you know, filtered in on
the tariff conversation. But overall, you know, pretty good situation there, and.
Speaker 2 (05:13):
You know on the on the unemployment when you see
our president out making all of these deals and we
have car manufacturing huge plants coming, and all this Boeing
and all the we're going to be adding hundreds of
thousands of jobs. And I would expect that number to
go down over the next couple of years as all
(05:33):
of these jobs start to fill with all of this
new business that's coming.
Speaker 3 (05:38):
Yeah, absolutely, and that can also create bubbles in the
employment market when you have a whole lot of big
orders coming in on those big, huge Boeings and the
type of thing or John Deere, caterpillar, take your pick, right.
But you know, speaking of that, you know the Federate
is obviously a big item as well. So you know
the Federate now is holding because they've said they're planning
on kind of pause until September, so we'll see what
(05:59):
the summer season does and what tariffs to do. So
I think the Fed just wants to sit back and
wait and see and then they may resume, possibly cutting
a couple of times than Q four is my feeling.
You know, right now, the FED rate at four point
three three a year ago, is at five point three three,
so it's down a percent. Of course they made those
cuts at the end of the end of twenty twenty
(06:22):
four mainly, and then prim rates at seven and a
half percent. Of course, that's the rate that the you know,
good credit lenders tend to get from the banks and
our borrowers, I should say. And then you know, what's
more important to a lot of our listeners probably is
what's that thirty year mortgage at And right now it's
at six point eight one percent, So six point eight
one It still sounds high compared to our recent history,
(06:43):
but you and I know we've seen it as bad
as fifteen to eighteen percent. Yeah, maybe twenty percent back
in the early eighties.
Speaker 2 (06:48):
Back in the day.
Speaker 3 (06:49):
Yeah, And long term average mortgages are around six percent,
so we're not that far off.
Speaker 2 (06:54):
We got spoiled rotten with two and three percent though
for a long time.
Speaker 3 (06:57):
Yeah, absolutely, And I don't know if we'll get down
there again, to be honest with you. And a lot
of that was coming out of the credit crisis of
eight oh nine, and so I don't know if we're
going to see that again. Hopefully nothing's bad enough to
get instrates that bad again, yeah, right, because that effected
everything including you know savers. Some people don't want to
be in the markets. They'd rather be saving at the
bank if they need a reasonable return on their money, right,
So that really hurt those folks the last ten to
(07:19):
fifteen years.
Speaker 2 (07:19):
Ye.
Speaker 3 (07:20):
Well, but you know the other things we're watching, Uh,
you know, corporate earnings is a big indicator to me
a kind of where we're going. And uh, you know,
recent reporting season, we've seen about seventy percent of the
companies beat their numbers. You know, so that's a good
reporting season. And you know, we'll see how that that
tariff part, you know, affects that. But AI is you know,
(07:41):
still a big driver. The challenges are still a commercial real
estate as we know. I mean, a lot of these
buildings are sitting around, ghost buildings, are half empty, and
and so that's but that some companies are making people
go back to work at you know, not they're not working,
but go back into.
Speaker 2 (07:54):
The office physically show up in the office and right
maybe work a couple of days at home, three days
in the office. But everyone's getting back into the office.
But there's there's still a huge glut of open or
unfield offices. They're just empty.
Speaker 3 (08:09):
Yeah, absolutely so you're kind of boiling that part of
a down. You know, what does it mean for the
regular investor out there? So what we did starting a
year ago was we started, you know, reducing our exposure
to the Magnificent seven stocks because they has such an
overweight amount of money in the seven biggest stocks. And
then we position ourselves more towards yield, heavier yield. So
(08:30):
when we have these volatility areas, you know, we're picking
up more shares at a cheaper price. And we rebouanced
again here in April, so we rebalanced quite a bit.
But I would say right now I'd still be heavier
towards yield and not be too growth on at the moment.
That's kind of our position, and that may change as
we could get more of the tariffs, you know, kind
(08:50):
of in the in the rear view mirror.
Speaker 2 (08:52):
All right, and I'll tell you about I learned something.
I am not an expert in all the financial that's
why because we can ask you questions. But when you
had a big company dinner is about a month ago,
and there was a gentleman talking about, you know, investments
in that sort of thing, I learned something that kind
of blew my mind, and he said something to the
(09:14):
effect of, and he was talking about AI. Do you
invest in AI? And then I'll get to what he said.
But he said, when you go on to like a
chat GPT or something like that, and you just type
in a question and then it thinks about it for
a couple of seconds and then poof, here's your answer.
He said that requires as much energy as a light
(09:36):
bulb uses in fifteen minutes. And that blew my mind.
So he talked about investing in AI, but more importantly
investing in energy, the infrastructure of energy that will support
this explosion of AI. I just thought that was fascinating.
Speaker 3 (09:53):
Yeah, one hundred percent. So energy, you know, we need
all the above right now. Yeah, because I mean we'd
like to be green and everything else, which we're getting
the more and more that way. But we do have
to have like over fifty of these depots or con
do it's for energy, whether it's win or solar, you
got to get it to market, right yep. So yeah,
this will be big need there.
Speaker 2 (10:09):
Absolutely. We're speaking today with mister Bruce Glenn. He's the
senior wealth manager and president of Rally Wealth and Benefits
in Kansas City, nine to one three three zero, eight zero,
two seven seven, toll free eight eight eight two four
one two three sixty one and online at rallywb dot
com and now the Senior Care Live Question of the Week.
(10:31):
There are tax advantaged ways to save for healthcare costs
in retirement like HSA's is this stay a true or false?
What do you think?
Speaker 1 (10:43):
You're listening to Senior Care Live on the Senior Care
Broadcasting Network. For more information, visit seniorcare Live dot com.
Speaker 2 (10:51):
We'll have more with Steve coming up next.
Speaker 1 (11:02):
A recent Internet search for nursing homes in Kansas City
provided thirty two million results. It's daunting to think that
there are over three hundred and fifty senior care communities
to choose from in the Kansas City metro and on average,
you'll spend fifty to one hundred hours trying to find
a place for your loved one. If this sounds overwhelming,
that's because it is. I invite you to reach out
(11:24):
to Senior Care Consulting. We've been serving family since two
thousand and two. With our premium service, we do most
of the work for you.
Speaker 2 (11:32):
You'll spend just a.
Speaker 1 (11:33):
Few hours of your time finding the best place available,
and you can trust us to be objective because we
don't receive reimbursement from any provider. We work for you.
To learn more, call Senior Care Consulting at nine three
nine four five twenty eight hundred nine nine four five
twenty eight hundred, a placement service with integrity at Seniorcare
(11:57):
Consulting dot com.
Speaker 2 (12:06):
Welcome back. You're listening to Senior Care Live on the
Senior Care Broadcasting Network. For more information, go to seniorcare
Live dot com. Back to the Senior Care Live question
of the week. There are tax advantaged ways to save
for healthcare costs in retirement, like hsas. Is that statement
(12:27):
true or false? And the answer is true. The answer
is true in Bruce, why is that statement true?
Speaker 3 (12:39):
Thanks, Steve. I would back up a little bit and
say that hsas are a great saving vehicle heading towards retirement.
They've got some advantages once you get into retirement, if
you've got some money left over, you can convert them
to some investments and things like that. But there's certainly
a you know, a tax advantage on the saving side
of it, so that's great, and the tax free growth
(13:01):
on that money and be able to convert that to
some retirement money as well.
Speaker 2 (13:04):
Long term care.
Speaker 3 (13:05):
In certain states there are some advantages to having some
long term care also, So again state by state, this
kind of depends on your situation, but there are a
few things out there that can help from tax standpoint.
Speaker 2 (13:17):
Excellent, excellent. We're speaking with mister Bruce Glenn. He's the
senior wealth manager and president of Rally Wealth and Benefits
in Kansas City nine to one three three zero eight
zero two seven seven toll free eight eight eight two
four one two three six one online at rally wb
(13:37):
dot com. And if this conversation is sparing questions and
you're like, wait a minute, Yeah, I haven't been hearing
about these things, and maybe I need to get a
second opinion. Maybe I need to call Bruce, just just
ask him a question again. Reach out to Bruce. Great guy,
super knowledgeable. He will help you. He can help you.
So let's jump into you know, just pre long term care.
(13:58):
So you know, what's did people be doing in their say,
in their fifties and sixties to prepare for healthcare cost
in retirement.
Speaker 3 (14:06):
Like I said that, you know, they just say I
think is one of the best things you can do.
More specifically to health care costs more directly and possibly
long term care. But an answer part of that is
when you get into retirement, you don't want to be
getting killed with a high Medicare premium. And the Medicare
premium is, as they call it, means tested or means weighted,
meaning how much can you afford to pay? We're going
(14:27):
to make you pay, right, and so you really want
to start strategically thinking about taxation so that you keep
that Medicare premium down lower. So there's some strategic planning
things we can do in your fifties and sixties to
kind of prepare you and making some decisions are going
to help out with the medical cost when you're thinking
about the Medicare premium and some of the things that
go along with that.
Speaker 2 (14:48):
Okay, all right, And then how do you help clients
estimate and budget for out of pocket medical expenses during
retirement because as we all know, as we get older,
we start to require and pay for more and more
healthcare needs and expenses.
Speaker 3 (15:04):
Right, So when we're working with our clients and folks
that want to call up, we can talk about your
your family history, what your current medical situation is, and
kind of make some plans according to that and what
options are available to you or may not be available
to you. But we've got a really sophisticated planning tool
that we use and it goes very deep into a bucket,
(15:27):
you know, bucket items from you know, car expenses to
you know, your home breakdowns and your Medicare expenses and
breaking down into the Medicare premiums and other out of
pocket type items. And we use the government averages in
most cases. But it's also an individual interview and kind
of get a feel for what's going on and what
your overall financial situation is and how much room we've got,
(15:47):
maybe some roth conversions things like that that can help.
Speaker 2 (15:51):
Now can it predict me having a cyst in my
brain at age sixty three?
Speaker 3 (15:57):
Oh?
Speaker 2 (15:57):
Absolutely? You know either way, you look a novelous. Oh
thank you, thank you very much.
Speaker 3 (16:05):
I guess that's the advantage of having the procedure done
through your nostrils.
Speaker 2 (16:08):
Yeah, yeah, I don't. I don't have any crazy scarring,
so yeah you can't. Like you said, I mean, you
saw me last week and you're like Steve, that surgery
was two weeks ago. You perfectly normal. I feel great,
I've been very very blessed.
Speaker 3 (16:21):
Very voices spot on too.
Speaker 2 (16:22):
Yeah yeah, well, thank you, thank you so much. So okay,
so can you explain how Medicare works and what it
does and does not cover?
Speaker 3 (16:32):
Right? So, Medicare a lot of people think that it's
kind of the end all be all.
Speaker 2 (16:36):
It's not.
Speaker 3 (16:37):
The nice thing about it is you can universally get
it if you paid into the system long enough, right,
But Medicare typically pays about eighty percent of your cost,
and so it's really smart to have some kind of
I call it meta gap. You know, there's an advantage
plans you can get, and there's supplement plans you can get,
(16:57):
and they both work differently, but they can help offset
some or all of the costs that Medicare does not cover.
So those are really really important concepts to understand when
you get ready to plan for your health care costs.
Speaker 2 (17:10):
Okay, And then what are the differences between Medicare advantage
plans and then the Medicare supplement plans? And then how
do you go about helping a client determine which one
is best for them?
Speaker 3 (17:22):
Right? So, first of all, I'd say it depends on
your ensurable interest. So a Medicare supplement plan in my mind,
is kind of like a full collision and liability coverage
on your car, right if you're driving in nineteen seventy four, pento,
it's not worth anything at this point. You don't you're
not gonna have full coverage on it. Right, Well, if
(17:43):
you don't have enough money saved, it doesn't make any
sense to be paying two or three hundred bucks a
month or whatever the Medicare supplements costs today. But if
you have a lot of money, I usually say three
hundred and three hundred fifty thousand on up, it probably
just he's paying for the Medicare supplement costs and pinning
doesn't cost as much. It helps offset some of that
(18:05):
out of pocket that Medicare doesn't cover. But if you
get into a big issue a stroke, cancer, heart, big issues,
big dollar type prim brain, syst brain cysts, right, big
big items like that, then you you want to have
the Medicare supplement policy. They'll cover except for a little
bit of copays, it'll versually cover everything else out pocket.
Speaker 2 (18:24):
Yeah, you have some copays and deductibles, but it's it's reasonable.
So so, how do rising healthcare cost impact retirement income?
Planning and how can retirees protect themselves.
Speaker 3 (18:36):
Well, like so that you know the medic gap plans
to a certain degreement, I would say, getting your taxes
down as good as possible. And so that kind of
goes to the point of, you know, when we get
ready to retire, when do we turn social Security income on?
Do we pre spend down some of our four O
one K pre tax money or our pre tax IRA,
so we spend that money down before we turn solid
(18:57):
security on. Possibly do we consider doing some WRAW converting
where we take our pre tax bucket, convert some of
that to WROTH and pay some of the taxes early
to avoid paying more taxes later because you have more
income coming in because you have to require minimum distribution
ages that you know, most people on the listening audience
are probably going to start paying rm D if they're
(19:17):
not already at age seventy three if they're born before
nineteen sixty, or at seventy five if they're born after
nineteen sixty. And so that's an important critical point because
if you've got a big balloon note of all those
tax money's going to hit you and this income's going
to hit you, it's going to throw your Medicare premiums
through the roof and a lot of things like that.
Speaker 2 (19:36):
Okay, and then what advice do you have for clients
who retire before they're eligible for Medicare?
Speaker 3 (19:41):
Right, So, make sure you've got good coverage available to
you that's going to be sustainable, and make sure it's
going to include all the doctors and the network that
you want to be in. And if you travel a lot,
make sure it's going to cover you no matter where
you're at, if it's domestic travel or international, whatever the
case is. But don't just blindly think that you've got
you just hid you have coverage. That is what you
(20:02):
need to have.
Speaker 2 (20:03):
Yeah, and I think that the travel part of that
is super super important. So Bruce, thank you so much
for being here today. If you have questions for Bruce Glenn,
he's a senior wealth manager and president of Rally Wealth
and Benefits in Kansas City. Nine to one three three
zero eight zero two seven seven toll free eight eight
eight two four one two three six to one. We're
(20:26):
online at rallywb dot com. And Bruce, thanks so much
for being here today and I'm looking forward to uh
charing with you for the Royals here, we'll see see
how we're gonna do this year. Thanks Steve, we'll have
more coming up next.
Speaker 1 (20:44):
You're listening to Senior Care Live on the Senior Care
Broadcasting Network. Have a question, visit Seniorcare Live dot com.
Speaker 2 (20:51):
Stick around. We'll have more with Steve coming up next. Hello,
this is Steve Keeker, President of Senior Care Consulting. I'm
so excited to announce that we are expanding nationwide by
awarding Senior care Consulting franchises. We help our clients find
(21:14):
the right senior care community, including assistant living, memory care,
long term care, and continuing care retirement communities. We are
not another run of the mill free referral service. We're
very different. We offer replacement service with integrity. Owning a
senior care consulting franchise offers many benefits. Our market is
(21:35):
not affected by the economy. Operate from your home office
and enjoy work life balance. Pour your passion into a
business you can be proud of. For more information about
owning a senior care consulting franchise, call eight three three
seven two two three seven two six eight three three
seven two two three seven two six or visit Seniorcare
(21:59):
Consulting dot com. Welcome back. You're listening to Senior Care
Live on the Senior Care Broadcast taking Network. For podcasts
of the program, visit Seniorcare Live dot com or wherever
you get your podcasts. All right, So this is Memorial
(22:24):
Day weekend. And I'll tell you what does it seem
early this year? I don't know, I just it seems
a little bit early, but it's not. This is the
right weekend. Memorial Day originally known as Decoration Day. And
I'll tell you what. My Grandma Keecker, she always called
it Decoration Day, and I think that's maybe where she
got that. But Memorial Day is a federal holiday honoring
(22:47):
and mourning US military personnel who died while serving in
the US Armed Forces, and since nineteen seventy one, it
has been ad on the last Monday of May. And
I'll tell you my mom and I we have a
kind of a I wouldn't say it's not a new tradition.
(23:09):
We've probably been doing it for about twenty years. But
we have a tradition of visiting all of the grave
sites in our family the Friday of Memorial Day weekend.
So it's not too terribly busy. But and then all
the graves get to be decorated for you know, quite
a little bit longer that way, but we always decorate
with flowers and everything. And my grandpa Queves, now that's
(23:31):
on my mom's side, Dimitrio Queves. He served in World
War Two. Let me just brag about him a little bit.
He received received a purple Heart and we always place
a flag at the foot of his grave remembering his service.
And just a short story. He was in World War Two.
(23:53):
He got shot in the knee and I cannot imagine
how painful that was. But while after getting shot in
the knee, he picked up one of his buddies who
also got shot and was down. He couldn't he couldn't move,
and pulled and basically carried his fellow soldier to safety
(24:18):
with one working knee. Okay, they did not call them
the Greatest Generation for nothing. I'm telling you that, right. So,
just to brag about my grandpa a little bit. And
so during this time of the year, I always like
to discuss the VA Aid and attendance benefit just around
Memorial Day. I also talked about it in the fall
around Veterans Day. But let's jump right into that Vaaid
(24:41):
and Attendance benefit. I always discussed this with my clients
from Senior care consulting when we talk about, you know,
how to pay for the high cost of senior care.
So the Vaaid and Attendance Benefit, it's financial assistance that
can help veterans or the surviving spouse of a veteran
(25:01):
pay for the cost of care. You must require help
with at least two activities of daily living. And I'll
break all this stuff down here in a minute. There
is a service requirement. Not just anyone can apply for this,
but so many people can and they're just not even
aware of it. That's why I'm always talking about this.
(25:22):
And then we have a financial criteria requirement as well.
So the service requirement for the VA eight and Attendance
benefit at least ninety consecutive days of active duty. So
if you sign up to be you know, the Army
or the Navy, Air Force, Marines, et cetera, et cetera,
(25:45):
and you're going to be active duty, you're usually there
at least ninety consecutive days. That's pretty easy to hit
that one, at least one day during a period of war.
And so I'll go through the date ranges here in
just a second, as far as you discharge, not dishonorably discharged,
(26:06):
So obviously you have an honorably discharge, but you have
a lot of other discharge types as well, medical discharges,
et cetera. So just not dishonorably discharged. Your income, your
monthly income needs to be less than the monthly cost
of care to trigger the maximum payout or the maximum benefit.
And then liquid assets. This is something a little newer
(26:29):
in the program. You can have liquid assets, so think
checking savings, money market mutual fund CDs, those sort of things.
So the twenty twenty five number one hundred and fifty
nine thousand, two hundred and forty dollars or less, well, Steve,
what if I have one hundred and eighty thousand dollars
(26:51):
in liquid assets, that's okay, keep track of that. And
once those liquid assets are spent down to that trigger
of one fifty nine to two forty, then you would
you could check that box and you would meet that criteria,
and then there is a three year look back. And
so that liquid asset and the three year look back.
(27:11):
That's similar to some medicaid language and Medicaid criteria qualifications,
and so although medicaid is a five year used to
be three years, so three years looking back. So if
you gave away, you know, a million dollars in the
last three years, and now you want to take advantage
of this benefit, that's not going to work. Okay, So
(27:31):
it's someone again one hundred and fifty nine and forty
dollars in liquid assets or less than that three year
look back. Now, as far as the activities of daily living,
and let's say if you move to if you have
a home care provider helping you, helping provide care in
your home, or especially if you move to assist a
living and definitely if you move to long term care, Okay,
(27:53):
you're going to check these at least a couple of
these boxes. But you must require assistance with at least
two activities of daily living. And so you have bathing, dressing, mobility,
and transferring. So mobility is getting you know, from your
room to dining or activities. Transferring is help moving from
(28:15):
point A to point B, helping you out of bed
to your walk or your wheelchair, that sort of thing. Helping.
One of the ADLs is eating and another one is toileting.
So it's pretty easy if you need help with those
activities of daily living, pretty easy to check two of
those boxes. And you could check all of them, of course,
but at least two. Okay, this is important. The official
(28:39):
dates for periods of war. So we have World War Two.
We have fewer and fewer veterans from World War Two
with us, but there are still quite a few. December seventh,
nineteen forty one, of course, all the way through December
thirty first, nineteen forty six. So I say you signed
(29:02):
up and your first day was December of the thirty first,
nineteen forty six, you can check that box if you're
in ninety consecutive days or longer, at least one day
during a period of war. It could have been the
last day on that period, but that checks the box, right.
The Korean War, or some call it the Korean Conflict
June the twenty seventh, nineteen fifty all the way through
(29:24):
January the thirty first, nineteen fifty five. Then the Vietnam
and most of my clients are from World War II
and Korean War. I'm starting to have some clients who
did serve in the Vietnam War. August the fifth, nineteen
sixty four, all the way through May the seventh, nineteen
seventy five. And I have a lot of people say, well, Steve,
(29:45):
I mean I served in Okinawa or and I was
not involved in fighting or a theater of war. I
never fired my rifle, Steve, I served in San Diego.
I was in logistics in support. That's fine, it's just
serving at duty. There is one exception in the Vietnam War,
if you had boots on the ground. It goes all
(30:07):
the way back to February twenty eighth, nineteen sixty one.
If you served in Vietnam boots on the ground for
all others Vietnam period of war for the purposes of
qualifying for this benefit would start August fifth, nineteen sixty four.
Hopefully that makes sense. This is the payout, so a
single veteran could receive a maximum, and this is the
(30:30):
twenty twenty five numbers. Okay could receive a maximum for
a single veteran of two thousand, three hundred and fifty
eight dollars. If you're the surviving spouse of a veteran
who has passed away, and you're the surviving spouse, you
would also qualify for the benefit at the level maximum
level of one thousand, one hundred excuse me, one thousand,
(30:52):
five hundred, and I just learned to read yesterday. Okay,
one thousand, five hundred and fifteen dollars a month. Now,
married veterans two thousand, seven hundred and ninety five dollars.
And those the first two are the main ones that
I see, that single vet and then the surviving spouse
of a veteran. So I know that numbers sometimes don't
(31:13):
translate very well over the over the radio. But I'm
going to give you a without the benefit and with
the benefit example. And this is a real life example.
So let's say a veteran has one hundred and fifty
thousand in liquid assets and he has an income of
three thousand dollars a month. He's living in an assisted
living community that costs seven thousand dollars per month. So
(31:34):
if you do the quick, easy simple math wor short
by four thousand dollars per month, okay, we have one
hundred and fifty thousand in assets. So without the VAAD
and attendance benefit, okay, his assets will last for thirty
seven months about three years. Okay, with the benefit. This
is this is huge. The same person with one hundred
(31:55):
and fifty thousand in assets income of three thousand. Now
that single veterans and is bringing in an additional two thousand,
three hundred and fifty eight dollars, So their new income
is five thousand, three hundred and fifty eight dollars. The
assistant living costs seven thousand dollars. Now we're only short
by one thousand, six hundred and forty two. It's just
(32:15):
simple math. So with the aid and Attendance benefit, the
same assets will last for ninety one months or seven
point six years. It's a huge, huge difference. And after
the break, I'm going to let you know how you
can apply for the VA Aid and Attendance benefit.
Speaker 1 (32:38):
You're listening to Senior Care Live on the Senior Care
Broadcasting Network. To contact Steve or a guest on his show,
this is Seniorcare Live dot com.
Speaker 2 (32:47):
We'll have more coming up. So you've been living independently
at home, but now it's not working out. It's time
to begin searching for a senior care community. But with
hundreds of independent living, assisted living, long term care, and
(33:10):
memory care options, how are you supposed to determine the
best place for you? Hello? I'm Steve Keeker, and this
is exactly why I created my firm, Senior Care Consulting.
I help my own grandparents through this difficult process, so
I know how overwhelming this can be. Our business model
ensures credibility and objectivity. We work directly for you and
(33:32):
we never receive reimbursement from any provider. We've helped hundreds
of families since two thousand and two, and we can
help you and your family as well. Call today for
a free consultation at nine one three nine four five
twenty eight hundred. Nine one three nine four five twenty
eight hundred a placement service with integrity at Seniorcareconsulting dot com.
(34:05):
Welcome back. You're listening to Senior Care Live on the
Senior Care Broadcasting Network. Have a question, visit Seniorcare Live
dot com. All right, so you can reach out to
your local VFW or the VA in your city or
in your area in your region, I refer all of
my clients to the national headquarters of the VFW. They
(34:29):
coincidentally just happen to be right here in downtown Kansas
City thirty fourth and Broadway. But you can go to
your local VFW. Like I said, you know the va
in your area, but I send everyone here. This is
a direct line to a group of Veteran Service officers
who will help you apply for that VAA and attendance benefit.
(34:50):
You don't have to be a member of the VFW.
There is no charge. They will help you do this.
They want to help you or your veteran your loved
one qualify for or anything and everything they can qualify for. Really,
really great group of people there. That number is eight
one six nine six eight one one five three, and
(35:10):
then the main phone number into the national headquarters of
the VFW eight one six seven five six three three
nine zero. So I'm gonna shift gears here. Talk about
my firm Senior Care Consulting, just briefly, and then a
tremendous business opportunity. If you've listening, if you've been listening
(35:32):
to the show for any length of time at all,
you know that with my firm Senior Care Consulting. First
of all, I'm so proud. I'm like a proud papa.
My buttons are bursting all the time when I talk
about this. Very simply, we help our clients find the
best fit when it comes to searching for a senior
care community, either for themselves or a loved one. So
(35:53):
if it involves moving from your home to a plays
that provides care for seniors, that is our niche in
the world. And so I like to say that you know,
we're about two feet wide, We're about two miles deep.
We go deep with our clients and when we help
them in just just a major, major way, we can
help you find the best possible assisted living facility, memory care,
(36:16):
long term care. We're working with more and more people
who want connected services, so we might be looking at
assisted living where you could age in place and move
through to long term care if needed, and working with
more and more individuals and couples wanting to downsize from
their home and move into a continuing care retirement community
into the independent living part of it, and then age
(36:37):
in place, move to assisted living when you need help
with your activities of daily living, move to long term
care when you need more help than that. Okay, So
that's what we do. The business model. We operate on
a flat fee for service. This is the right thing
to do. I have a registered trademark that is a
placement service with Integrity, because that is exactly what we offer.
(37:02):
We do not receive one single penny from any provider.
I'm old school in my opinion, and I'm unapologetically old school.
I'm old too, unapologetically old school. I think it is
a gross conflict of interest to recommend a place. If
(37:23):
you choose it, then they grease my palm with the
six seven, eight thousand dollars check right there, you lost
all your objectivity, you lost all your credibility. Thanks, but
no thanks. That thought never entered my mind. We work
directly for our clients. Our clients retain us, retain us
just like you would retain an attorney, a tax accountant,
(37:46):
or any other professional service provider that helps you through
a process. And we just had Bruce Glenn, financial advisor,
wealth manager, phenomenal resource of phenomenal Guy his firm. They
are a fiduciary, and so there's we have a fiduciary
model that is not in financial services, it's in the
(38:08):
in the placement placement business. So we don't receive kickbacks
from any of the providers. We get along with everyone.
We work very professionally with everyone. We just don't receive reimbursement.
And that's the way I think this should go. So
the business opportunity. I am expanding senior care consulting. I
(38:29):
have for a very long time I have wanted to
help people, you know, outside of the Kansas City area,
and I think the best way to do that is
to open offices all across the country and offer franchise opportunities.
It's a reasonable franchise cost. Now you are starting your
own business, so I mean you're starting a business from scratch.
(38:50):
We're talking about franchise fees, training, some technology fees, marketing, insurance,
all of the things. Okay, so you're not going to
open the thing for ten bucks, all right, but it
is in in the franchising world, this is a very
very reasonable franchising fee in total. And uh, if you
are interested in that, give me a call. I would
(39:13):
like to visit with you. I'm creating the Founder's Club.
First five in you're going to get discounted franchise fees,
and you're going to get a heck of a lot
more territory than what is normally offered here. So that
package is going to be worth tens of thousands of dollars.
I'll just tell you that, all right. Call eight three
(39:34):
three s C C fran Super easy to remember. Eight
three three s C C FRAN. Now somebody out there
is driving or they're writing it down. They're like, come on, Steve,
you can't do that. You're going to make me look
look this stuff up. All right, let me give you
the phone number eight three three seven two two three
(39:55):
seven two six and that is the number for see
see franchising and just give us a call. And if
you want to go to the website, it's an excellent
website Seniorcare Consulting dot com forward slash franchising, and it
talks about the franchising opportunities. There are forms here that
you can fill out and submit your questions, your information.
(40:19):
Let us know you're interested in Orlando, Florida, or Dallas, Texas,
or Phoenix, airs up wherever you're at. I just picked
on like southeast and the South. We're not in every
single state, but we're in the majority of them. And
if you go to this page, it talks about the
industry and how many people need help and how big
this industry will be in just five short years by
(40:42):
twenty thirty. And it talks about you know why franchising
with us okay, any you know recession financial pressures don't
really have much of an effect on this business. If
you need care, you need care. Whether the financials you know,
we just talked about financials with Bruce Glenn, so whether
the economy is doing well or not so great. If
(41:03):
you need care, you need care. So we're fairly insulated there.
You can owning your own franchise, you own, you own
and run your own business so you have work life balance.
You can work from home with a flexible schedule, no
employees required. You can do this on your own, high
profit margins. This is a pure this is a pure service. Okay.
(41:23):
We get paid for our knowledge and our information that
we provide to our clients. And then you talk about
a purpose driven business. Okay, this is this is something
that you can be proud of offering this type of
a service, offering it the way that we offer it,
and again offering a placement service with integrity. So just
(41:45):
reach out again eight three three scc fran eight three
seven two two three seven two six and would love
to visit with you about that. Give me a call
and let's do this again. This weekend, Memorial Day weekend
is more than just firing up the barbecues, opening the
swimming pools and all the other the beginning of summer stuff, right,
(42:08):
and there's nothing wrong with all of that, but let's
all remember to take some time to say thank you
to our veterans and remember all who have fallen serving
and protecting our great country. May God continue to bless
the United States of America, and I'm your host, Steve Keeker,
(42:28):
and I wish you grace in peace. May God bless
you and your family on this day and always join
me next week right here on Senior Care Live.
Speaker 4 (42:47):
Does your business serve the elderly and their caregivers in
our area? There are hundreds of thousands of people either
receiving or providing senior care, and they need to know
about you. A unique and successful radio pro called Senior
Care Live is the perfect opportunity to let your target
audience know about your amazing products and services. Senior Care
(43:08):
Live is currently adding a limited number of partner sponsors,
and if you're aligned with their mission, they want to
talk to you. They're interested in partnering with hospital organizations,
physician groups, home care providers, as state planning and older
law practices, financial advisors, insurance companies, real estate brokers, home
health agencies and other providers serving the elderly and their caregivers.
(43:32):
Senior Care Live has a limited number of partner sponsor opportunities,
so call now at nine one three nine four five
twenty eight hundred nine one three nine four five twenty
eight hundred or visit seniorcare live dot com seniorcare live
dot com.
Speaker 2 (43:48):
Quid pro quo a Latin phrase that means an exchange
of goods or services where one transfer is contingent upon
the other. Here's an example. I'll recommend your senior care
community if you'll pay me a huge kickback from my referral.
The free referral services have a vested interest in you
choosing one of their business partners. That's how they make
(44:10):
their money. Does this paid recommendation sound objective or credible?
Of course not. I'm Steve Keeker with Senior Care Consulting.
I'm so proud to say we have never received a
single penny from any provider ever. We offer a placement
service with integrity for help finding the right senior care community,
without conflict of interest, and without the quid pro quo
(44:34):
called nine one three nine four five twenty eight hundred
nine one three nine four five, twenty eight hundred replacement
service with integrity at Seniorcare Consulting dot com.
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