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Pam Sams to Cover Medicare Questions in NABBW’S Upcoming November Financial Podcast: We’re Sure You’ll Want to Be There

November 16th, 2022

By Pamela J. Sams. BFA, MBA, CRPC, Trusted Advisor to Professional Women and NABBW’s Retirement Planning Associate. We’re sorry, but due to circumstances beyond our control, we are having to postpone this podcast until next week. Most likely Tuesday November 22, at the same time and location listed below. If you have immediate questions you’d wanted to ask Pam Sams, here is a link to some alternate 2022 Medicare podcasts we’re aware of. (Just click on the hyperlink.)     It’s November and we’re “smack-dab in the middle” of our Annual Medicare... Read More

How and When to Sign Up for Medicare: Breaking down the enrollment periods and eligibility

November 3rd, 2020

Provided to the NABBW by Pamela J. Sams, CRPC, BFA, MBA and NABBW’s Retirement Planning Associate Medicare enrollment is automatic for some. For those receiving Social Security benefits, the coverage starts on the first day of the month you turn 65.1 If you are not receiving Social Security benefits at 65, you may be delaying until you reach full retirement age, or until you reach 70. If you’re coming up on 65 and not receiving Social Security benefits, SSDI, or benefits from the Railroad Retirement Board, you can still apply for Medicare coverage. You can visit your local SSA office or... Read More

Have You Budgeted for Retirement? Here’s Why You Need to Create a Strategy for Success.

October 15th, 2020

Provided to the NABBW by Pamela J. Sams, CRPC, BFA, MBA, NABBW’s Retirement Planning Associate Run the numbers. There is a rule of thumb for retirees suggesting that retirement income has a target of 70-80% of the household’s end salary, though this can certainly vary. So, years before leaving work, sit down (perhaps with the financial professional you know and trust) and take a look at your household’s monthly expenses.1 The closer your household gets to retirement, the more exact you will want to be about your income needs. You first want to look for changing expenses: housing costs... Read More

What Women Shouldn’t Retire Without: A practical financial checklist for the future.

May 29th, 2018

Provided by Pamela J. Sams, CRPC, NABBW’s Retirement Planning Associate When our parents retired, living to 75 amounted to a nice long life, and Social Security was often supplemented by a pension. The Social Security Administration (SSA) estimates that today’s average 65-year-old female will live to age 86.6. Given these projections, it appears that a retirement of 20 years or longer might be in your future.1,2 Are you prepared for a 20-year retirement? How about a 30- or 40-year retirement? Don’t laugh; it could happen. The SSA projects that about 25% of today’s 65-year-olds will... Read More