Live with Vickie & Senior Solutions

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Welcome to today's show where we will dive into... the 1, 2, 3's of Financial & Retirement Planning. What are the key assessments you need to make? If you didn’t plan, can you afford to retire? What are your shortages? What are your key necessities to do to retire? and Retirement planning strategies.

Star Forward Solutions provides solutions to personal and family protection in the areas of :

Personal Finance and Protection (Living Benefits, Life Insurance, Disability)

Retirement Planning (Tax Benefits)

Senior Solutions (Medicare, Final Expenses)

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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The Phobias around Life Insurance and Why People Put Off Buying Life Insurance - Top 9 Reasons

Today’s Life Insurance is not Mom & Dad’s Life Insurance of the Past

Living Benefits of Life Insurance

The Life Insurance Advantage

Star Forward Solutions provides solutions to personal and family protection in the areas of :

Personal Finance and Protection (Living Benefits, Life Insurance, Disability)

Retirement Planning (Tax Benefits)

Senior Solutions (Medicare, Final Expenses)

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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The Phobias around Life Insurance and Why People Put Off Buying Life Insurance - Top 9 Reasons

Today’s Life Insurance is not Mom & Dad’s Life Insurance of the Past

Living Benefits of Life Insurance

The Life Insurance Advantage

Todays special Guest William Sparrow Owner and President of Family Legacy Insurance Agency that serves the State of Texas.

Star Forward Solutions provides solutions to personal and family protection in the areas of :

Personal Finance and Protection (Living Benefits, Life Insurance, Disability)

Retirement Planning (Tax Benefits)

Senior Solutions (Medicare, Final Expenses)

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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* Top 4 steps for better retirement

* How to have a lifetime income

* #1 Must do to protect your retirement

Take charge and define your future!

Star Forward Solutions: Solutions to What?

We provide solutions to personal and family protection in the areas of :

Personal Finance and Protection (Living Benefits, Life Insurance, Disability)

Retirement Planning (Tax Benefits)

Senior Solutions (Medicare, Final Expenses)

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Top 4 steps for better retirement

How to have a lifetime income

#1 Must do to protect your retirement

Take charge and define your future!

Star Forward Solutions: Solutions to What?

We provide solutions to personal and family protection in the areas of :

Personal Finance and Protection (Living Benefits, Life Insurance, Disability)

Retirement Planning (Tax Benefits)

Senior Solutions (Medicare, Final Expenses)

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Ready to be your own boss?

Ready to lead a team of like minded professionals?

Ready to help families build their family legacy?

Learn how to become Financial Strong and build financial legacies

Spread the wealth by helping others build a strong financial house.

Take charge and define your future!

Star Forward Solutions: Solutions to What?

We provide solutions to personal and family protection in the areas of :

Personal Finance and Protection (Living Benefits, Life Insurance, Disability)

Retirement Planning (Tax Benefits)

Senior Solutions (Medicare, Final Expenses)

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Ready to be your own boss?

Ready to lead a team of like minded professionals?

Ready to help families build their family legacy?

Learn how to become Financial Strong and build financial legacies

Spread the wealth by helping others build a strong financial house.

Take charge and define your future!

Star Forward Solutions: Solutions to What?

We provide solutions to personal and family protection in the areas of :

Personal Finance and Protection (Living Benefits, Life Insurance, Disability)

Retirement Planning (Tax Benefits)

Senior Solutions (Medicare, Final Expenses)

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Thank you for joining us today

We have many solutions for you and your family. Today we will be focused on learning the "Four Cornerstones of a Strong Financial Future"

~Protection

~Growth

~Safety

~Tax Advantages

Star Forward Solutions: Solutions to What?

We provide solutions to personal and family protection in the areas of :

Personal Finance and Protection (Living Benefits, Life Insurance, Disability)

Retirement Planning (Tax Benefits)

Senior Solutions (Medicare, Final Expenses)

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

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Send in a voice message: https://anchor.fm/vickie-owens/message

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Retirement Planning: Financial Strategies

 Investing in the Right Retirement Tools

 Remove Risk

 Evaluate Your Assets and Liquidity

 Healthy Living

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Todays Focus:

Learn the Ins and Outs of How, What and When to Plan for your Future Golden Years.

 Why should I plan for retirement?

 When should I start planning?

 How do I start?

 What are best tools for retirement planning?

Next week’s Topic: Debt Management & Wealth building

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

View Details

Star Forward Solutions: Solutions to What?

We provide solutions to personal and family protection in the areas of :

Personal Finance and Protection (Living Benefits, Life Insurance, Disability)

Retirement Planning (Tax Benefits)

Senior Solutions (Medicare, Final Expenses)

Today’s Focus:

Personal Finance and Protection – Living Benefits and Life Insurance

Are you protected for ‘Living too Long Dying to Soon’?

What are living benefits?

How much life insurance should I have?

Types of life insurance

Next week’s Topic:

Retirement planning and the retirement tools to help save for retirement and reduce your taxes.

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Medicare Deadline is LOOMING

Marketing Commercials & Mail - The End is Near

Preparing for 2021

Health Tip of the Week

Medicare annual enrollment ends December 7, for the 2021 coverage. Seniors REMEMBER to review your Part D plan EVERY YEAR!

Remember the deadline is a serious mater.

Looking for a new plan or comparing your options? Call Vickie TODAY to schedule a call or video appointment.

Vickie wants to talk with you about strategies to connect you to the health care and coverage you need and deserve.

On our YouTube channel, you will find content about health insurance and coverage programs, Private Health Insurance and Medicare. Vickie stays on top of current events, policy and rule changes, & she shares tips and advocacy strategies.

Vickie also cover topics that intersect with health coverage for seniors.

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Deadline date; no extensions

What to expect after deadline

AEP vs OEP

Do’s and Don’ts during Pandemic holidays

Medicare annal enrollment ends December 7, for 2021 coverage. Seniors REMEMBER to review your Part D plan EVERY YEAR! Things can change: formularies, copays, premiums, and in-network pharmacies.

Looking for a new plan or comparing your options? Call Vickie TODAY to schedule a call or video appointment.

Vickie wants to talk with you about strategies to connect you to the health care and coverage you need and deserve.

Vickie also cover topics that intersect with health coverage for seniors.

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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 How does it work and Why should get it

 Late enrollment penalty

 How to enroll in Medicare Part D

 When can I join, switch or drop?

 Getting Extra help for Prescriptions

 New Part D benefits for 2021

Medicare Part D has four steps: The deductible, the initial coverage, the coverage gap (or donut hole) & catastrophic coverage. Medicare has a standard base all Part D plans must follow. We will cover all of this today and help you with your particular situation when trying to decide in between Medicare Supplements and the Medicare Advantage plan.

If you have any questions, give me a call - our service is always 100% FREE of charge.

Vickie L. Owens MBA, LCDR, USN (R)

Senior Benefits Consultant and Financial Adviser

National Naval Officers, Public Relations Officer

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Today we are talking about your rights as a Medicare beneficiary.

*Complaints/Grievances

*Medical ID Theft

*Medicare Fraud

*Discrimination

*Appeals

Remember the Annual Enrollment period is here so contact Vickie Owens

Vickie L. Owens MBA, LCDR, USN (R)

Senior Benefits Consultant and Financial Adviser

National Naval Officers, Public Relations Officer

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Checklist for the unexpected

Protecting your BIGGEST assets

Preparing for the golden years

Vickie L. Owens MBA, LCDR, USN (R)

Senior Benefits Consultant and Financial Adviser

National Naval Officers, Public Relations Officer

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

Send in a voice message: https://anchor.fm/vickie-owens/message

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This installment we will discuss how to continue life in the Pandemic especially during AEP. AEP is important season for Medicare Beneficiaries and should not be neglected because of COVID-19. Medicare Sponsors are making significant changes in plans. So, we will discuss:

*Pre-Cautions and staying safe through AEP

*Having a Medicare Consultant review your current Medicare Plan Benefits

*Best practices to shop, compare and get information on Plans

*How to enroll in a Medicare Advantage Plan or Prescription Drug Plan

*Enrollment Period Timeline

Vickie L. Owens MBA, LCDR, USN (R)

Senior Benefits Consultant and Financial Adviser

National Naval Officers, Public Relations Officer

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Today we are talking about the Medicare Annual Enrollment period with Vickie Owens and Carolyn Gray.

What do I need to know?

If I already have medicare, do I need to do anything?

Is there an extra cost if I miss the date?

Why do I need to learn about this date?

Who do I call when I have questions?

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

Carolyn Gray is a Personal Development Strategist and Accountability Coach. She is also an HR Consultant with expertise in employee/labor relations and building personal & professional relationships. She is the owner of Zircon Consulting, a boutique consulting/training firm in Spring, TX.

She is a Certified Professional Coach, Certified Personality Trainer, Etiquette Consultant, speaker, and an internationally recognized author. She is a Certified Professional Coach, Certified Personality Trainer, Etiquette Consultant, speaker, and an internationally recognized author.

Contact Information for Carolyn Gray:

Personal Development & Accountability Coach

e-mail - carolyn@carolynggray.com

website – zirconsulting.com

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Today we are learning about the Medicare Part D. The prescription plan.

What do I need to know?

How is it set up?

How is it administered?

What’s the cost?

Why do I need it?

How do I get one?

What’s the donut hole in a Part D plan?

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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(AEP) stands for Annual Enrollment Period. Today we will discuss the details of the Medicare Advantage program.

What is Medicare Advantage?

When is AEP?

What should I do for AEP?

What can I do during AEP?

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Join Vickie Owens and Gerard Charles as they discuss Retirement Planning - the Must Do's & Why

Income: Financial planning – How much do you need?

 Check your projected SS

 Financial tools for retirement saving (Annuities, IUL, 401ks, 403bs, etc.)

 Clearing debt

Expense:

 Healthcare – Medicare

 Long term care

 Residential

Legacy Plan

 Wills

Guest: Gerard Charles, CEO of Gerard Charles International, Executive Director and Independent Associate for Legal Shield. Email: gerard@gcharlesinternational.com

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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oin Vickie Owens & LaQuintin Jenkins today as we talk about 'What is Medicare?' When am I eligible? When does it start?

We will discuss Medicare and all it’s parts and your Medicare options.

 When am I eligible and when does it start?

 Medicare Parts A, B, C, D

 Medicare Options – Medicare Supplements

 Other Ancillary healthcare products – Dental/Vision

Contact Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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What are your Healthcare options and resources in Medicare?

As a Medicare Beneficiary what options or choices do you have? Learn what your options are as a Medicare beneficiary and resources to access all your benefits.

In this session we will discuss:

 Quick recap of Medicare: Parts A-D

 Different options to receive your Medicare benefits;

 What Medicare does not cover

 Different options to cover what Medicare does not cover

 Fill in Gap Supplements

Send in a voice message: https://anchor.fm/vickie-owens/message

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Join Vickie for today's topic of beating Diabetes (Part 2). We are live every Tuesday at 1:00 pm Central time. Be sure to watch, subscribe and share this channel with your friends and family!

Beating Diabetes from a Diabetics prospective.

Why is beating Diabetes important

Coronavirus and Diabetes

What other disease/illnesses can develop from Diabetes

Symptons = Disease

Vickie L. Owens

Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

Retirement - Medicare Supplements - Life - Final Expenses -Dental - Vision

“Helping Americans become healthier and wealthier one step at a time”

The solutions you need; the personal care and service you deserve.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Join Vickie for today's topic of beating Diabetes.

We are live every Tuesday at 1:00 pm Central time. Be sure to watch, subscribe and share this channel with your friends and family!

It’s never too late! What does it take to rid yourself of this debilitating disease and why is it so important? Anyone who is type 2 diabetic, it is curable if you really want to be diabetes free. We will discuss how and what it takes to beat it!

 Why is it important not to be diabetic?

 Taking charge of your healthcare. Your do diligence;

 Keeping up with your numbers; What are the important numbers you need to know?

 Managing your medication Contact Vickie Owens 281-849 8373

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Because of the Covid19 crisis, many governmental offices are closed, including Social Security. So, how do you sign up for Medicare now? Tune in and I will guide you through the process and I will answer that question and more. Welcome to Living Your best Life after 60 -- Senior Discovery!

Hello and welcome to Retirement made easy! Vickie Owens here to guide you through steps of preparing for retirement, understanding Medicare and your Medicare benefits, and living your best life after 60. I am retired Naval Commander living my best life at 60! I have now transitioned into helping others do the same. I am a licensed Independent Insurance Agent and Healthcare Advocate here to help you maneuver the waters of Medicare and retirement. I cared for my senior mother while she lived, and we implemented many healthy lifestyle things which I will also share with you on this channel.

Learn about all the things you need to know when approaching retirement, beginning retirement and expectations of life after 60. We will supply information pertaining to Medicare, Medicare changes and updates, news you can use regarding you Social Security benefits, other senior benefits, and healthy living. In addition, if you are approaching retirement age, get information on how much you need to finance your retirement, additional financing resources and fun facts on retirement trends: family, housing, social networking, etc. This channel will discuss: Medicare: • Turning 65? =What is Medicare?

• Overview: What are Parts A, B, C, and D of Medicare

• What does Medicare not cover?

• What are Medicare Supplements?

• I am a Veteran, how does Medicare effect my VA benefits? Retirement

• What do I need to know before I Retire?

• What are some of the financial vehicles for retirement?

• When should I start drawing my Social Security?

• How do I find out how much Social Security I will receive? Senior Living and Lifestyle

• Entertainment avenues for the over 60

• Family relationships

• Activities • Relationships – Living single over 60

• Housing o Your home o Senior living facilities o Roommates Healthy Lifestyle

• Health trends

• Healthcare advise from professional healthcare providers

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

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Nutrition – What we should be eating now that we are older
Supplements - We can add to our daily nutrition a healthy supplement
Exercise - Lively Exercise for healthy energy and mind
Water - Drinking enough water so that we sty hydrated
Saving money on your Healthcare benefits as well as other insurance

Welcome to Living Your best Life after 60 -- Senior Discovery! Hello and welcome to Retirement made easy! Vickie Owens here to guide you through steps of preparing for retirement, understanding Medicare and your Medicare benefits, and living your best life after 60. I am retired Naval Commander living my best life at 60! I have now transitioned into helping others do the same. I am a licensed Independent Insurance Agent and Healthcare Advocate here to help you maneuver the waters of Medicare and retirement. I cared for my senior mother while she lived, and we implemented many healthy lifestyle things which I will also share with you on this channel. Learn about all the things you need to know when approaching retirement, beginning retirement and expectations of life after 60. We will supply information pertaining to Medicare, Medicare changes and updates, news you can use regarding you Social Security benefits, other senior benefits, and healthy living. In addition, if you are approaching retirement age, get information on how much you need to finance your retirement, additional financing resources and fun facts on retirement trends: family, housing, social networking, etc.

This channel will discuss: Medicare: • Turning 65? =What is Medicare? • Overview: What are Parts A, B, C, and D of Medicare • What does Medicare not cover? • What are Medicare Supplements? • I am a Veteran, how does Medicare effect my VA benefits? Retirement: • What do I need to know before I Retire? • What are some of the financial vehicles for retirement? • When should I start drawing my Social Security? • How do I find out how much Social Security I will receive? Senior Living and Lifestyle • Entertainment avenues for the over 60 • Family relationships Activities • Relationships – Living single over 60 • Housing o Your home o Senior living facilities o Roommates Healthy Lifestyles • Health trends • Healthcare advise from professional healthcare providers

Contact Vickie L. Owens Senior Benefits Consultant and Healthcare Advocate

Phone: 281.849.8373; Mobile: 713.444.3269

~Not affiliated with the U. S. government or Federal Medicare program. A licensed agent may contact you regarding insurance-related information. Certain exclusions and limitations may apply.

Send in a voice message: https://anchor.fm/vickie-owens/message

Live with Vickie & Senior Solutions: Recent Episodes

Vickie Owens