February Refuge Refresh - Cut to the Point

(You can access the actual email with formatting and images HERE).

Hi Refuge friends,

I hope you’re having a great week! If not, thank God the weekend has almost arrived—and here’s to a better week starting Monday!

Can I be honest? Sometimes writing this welcome paragraph is the hardest part of the email haha! I don’t feel like writing about cliche topics like Valentine’s Day or the weather…so I’m not going to. I’m just going to send my greetings and say that I hope the rest of the email is insightful and refreshing for you. Talk to you soon!

-Tim

SMILE

Sometimes my friends tell me I'm too cheap. But I'm not buying it. 😂

LEARN

In the News: Trump Accounts

Market-based, retirement-focused saving vehicle for children

Maybe you’ve heard about the new “Trump Accounts” that are supposed to rollout in July of this year. It is an investment account for U.S. children under age 18 designed to help families start saving early for long-term goals. The money is invested in index funds such as the S&P 500 and grows tax-deferred. When the child turns 18, the account becomes a traditional IRA. Parents can open one per eligible child and contribute up to $5,000 annually. The government is also giving a $1,000 seed deposit to children born between 1/1/25 & 12/31/28. (trumpaccounts.gov)

Key Definition

Fixed Index Annuity

Maybe it’s time to rethink what you’ve heard about annuities. I agree, some are bad! But a FIA can be a great option for many situations. It’s a retirement product that offers protection from market losses while allowing your money to grow based on the performance of a market index. Fees are often low (or can even be zero), if it’s used correctly. For those who want growth potential with principal protection and optional lifetime income, it can be a powerful tool to add stability and predictability to a retirement plan.

(Great video explanation 3:21)

What’s the Difference?: MEDICARE PARTS

PART A (Hospital Insurance):

Coverage through the government that helps cover inpatient hospital stays, skilled nursing facility care, hospice, and some limited home health services. Usually premium-free.

PART B (Medical Insurance):

Coverage through the government that covers things like doctor visits, outpatient care, preventive services, lab work, and more. Usually requires a monthly premium ($202.90/month in 2026 for most people).

PART C (Medicare Advantage):

An alternative way to receive your Part A and Part B benefits through a private insurance plan, often including additional benefits like prescription drug coverage, dental, vision, or hearing.

PART D (Rx Coverage):

Provides coverage for prescription medications through private insurance plans approved by Medicare.

PONDER

“Small disciplines repeated with consistency every day lead to great achievements over time.”

—John C. Maxwell

Disclaimer: All information provided is for educational purposes only and does not constitute investment, legal or tax advice, an offer to buy or sell any security, insurance product or any other financial product.

For Medicare: Currently, we represent 12 organizations which offer 90 products in the Southern Colorado area. You can always contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program for help with plan choices.

Read our full disclosures HERE.

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