September Refuge Refresh - Another Way to Genuinely Help
(You can access the original email with formatting and images HERE—trust me, it looks a lot better!).
Hi Refuge friends,
Fall is officially here, and I have to say—I’m loving it! The mornings are cooler, the leaves are in the process of changing (which means we need a drive through the mountains!) and the break from the summer heat is a welcome change. There’s just something about this time of year that feels refreshing, and I hope you’re finding a little time to slow down and enjoy it too.
Have a great day and I hope you enjoy this month’s Refuge Refresh!
—Tim
SMILE
I’m great with money.
It’s my savings that needs help! 😂
LEARN
Another Way to Genuinely Help
Estate Planning
After talking to so many clients looking for help with estate planning and trusts, I decided Refuge needed to help offer a solution. We’ve begun partnering with Family Legacy Docs to help clients find the answers and solutions they need. If you have questions or need help in the area of estate planning, let me know and I’d love to help.
Did You Know?
Medicare ANOC (Annual Notice of Change)
If you have a Medicare Advantage or Part D plan, keep an eye out for your Annual Notice of Change (ANOC). This is the time of year when you should be receiving it. It explains what will change with your plan for 2027—including things like costs, benefits, and drug coverage—so don’t toss it in the junk-mail pile! Reviewing it is an important part of deciding whether your current plan will still fit your needs next year. Remember, I’m only a phone call/text away if you have questions or I can help in any way.
Think About It…
Paying off debt
Paying off debt isn’t just about clearing numbers—it’s about freeing yourself from financial stress so you can focus on what matters most. Every monthly payment you eliminate is money you no longer need to replace with retirement income. Reducing debt before retirement can lower the amount of income your savings need to produce and give you more flexibility in the years ahead.
PONDER
“I attribute my success to this: I never gave or took any excuse.”
– Florence Nightingale
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.
Copyright (C) 2026 Refuge Financial Solutions. All rights reserved.
