Long-term care planning is one of the most misunderstood parts of retirement, and one of the most important. In this episode, Victor sits down with long-time industry expert Alecia Barnette to separate myth from reality. They go behind the scenes of long-term care to share industry insights, real family stories, and actionable tips for building a secure future. Stick around to hear the one policy every family should consider!

Here’s some of what we discuss in this episode:

💊 Health & Eligibility: How your current health impacts your options

💵 Cost & Coverage: Understanding what long-term care really pays for

📈 Tax Efficiency: Using annuities for tax-free long-term care benefits

👨‍👩‍👧‍👦 Family Impact: How care decisions affect loved ones emotionally and financially

💖 Legacy Protection: Keeping your inheritance and family harmony intact

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Connect with Gray Hurst Wealth Advisors

📌 Our website: https://ghwealthadvisors.com/

📞Phone: (513) 984-5999

🗓 Schedule your no-cost consultation: https://ghwealthadvisors.com/contact-us/

📚 Check out our other no-cost financial resources here: https://ghwealthadvisors.com/#

🎥Check us out on YouTube: https://www.youtube.com/channel/UCXCpq47Qa73uQZyYu4fcCAw

📌 Follow Us on Social Media

📍Facebook: https://www.facebook.com/TeamVictorGray

📍LinkedIn: https://www.linkedin.com/in/colinjhurst/

Medicare is already complex, but 2025 is bringing some of the biggest shifts in years. Premiums, prescription drug costs, and deductibles are all moving, and with millions of baby boomers entering the system, retirees could feel the impact more than ever. To help cut through the confusion, Colin is talking again with Medicare Expert, Alex Sieler.

Alex explains why this year is especially critical for retirees to review their coverage, what’s different about 2025, and how a simple review could uncover thousands in annual savings.

Here’s some of what we discuss in this episode:

🩺 Medicare premiums, deductibles, and prescription costs are changing in 2025

📈 40% of Medicare users will be affected by changes this year

💡 A quick Medicare review can save thousands

📞 How to get in touch with Alex for an assessment

Learn more about Precise Insurance Advisors: https://www.preciseinsadvisors.com/

___________________________________________

Connect with Gray Hurst Wealth Advisors

📌 Our website: https://ghwealthadvisors.com/

📞Phone: (513) 984-5999

🗓 Schedule your no-cost consultation: https://ghwealthadvisors.com/contact-us/

📚 Check out our other no-cost financial resources here: https://ghwealthadvisors.com/#

🎥Check us out on YouTube: https://www.youtube.com/channel/UCXCpq47Qa73uQZyYu4fcCAw

📌 Follow Us on Social Media

📍Facebook: https://www.facebook.com/TeamVictorGray

📍LinkedIn: https://www.linkedin.com/in/colinjhurst/

If you’re turning 65 soon (or just did) you’ve probably been bombarded with Medicare mailers, ads, and “urgent” calls telling you to “act now.” It’s overwhelming, and for many people, it’s hard to tell what’s legitimate and what’s just marketing. In this episode, Colin talks with Medicare advisor Alex Sieler about how to filter out the noise, understand your options, and make confident decisions about your coverage.

Alex walks through the different Medicare timelines, the key differences between Part A, Part B, Medicare Advantage, and supplements, plus when you do, and don’t, need to enroll. You’ll also learn about the three main enrollment periods, how special election periods really work, and why losing a doctor doesn’t always mean you can switch plans right away. The right Medicare choices now can protect your health, your budget, and your peace of mind for years to come.

Here’s some of what we discuss in this episode:

🏥 Understanding Part A, Part B, and when you need them

📅 The three key Medicare enrollment periods

⚠️ Common misconceptions about special election periods

🤝 Why working with an advisor costs you nothing extra

Learn more about Precise Insurance Advisors:

https://www.preciseinsadvisors.com/

___________________________________________

Connect with Gray Hurst Wealth Advisors

📌 Our website: https://ghwealthadvisors.com/

📞Phone: (513) 984-5999

🗓 Schedule your no-cost consultation: https://ghwealthadvisors.com/contact-us/

📚 Check out our other no-cost financial resources here: https://ghwealthadvisors.com/#

🎥Check us out on YouTube: https://www.youtube.com/channel/UCXCpq47Qa73uQZyYu4fcCAw

📌 Follow Us on Social Media

📍Facebook: https://www.facebook.com/TeamVictorGray

📍LinkedIn: https://www.linkedin.com/in/colinjhurst/