The Great Wealth Transfer is underway, with more than $84 trillion expected to move between generations—but relying on an inheritance is still a risky strategy. In this video, we cover why your personal retirement savings should remain your priority, how foundational legal tools like a Trust and a Will can protect your family, and why open communication matters in every estate plan. We’ll also discuss how to align your Social Security decisions with any expected inheritance and why proven strategies—like Roth IRAs—beat risky financial advice circulating on social media. Connect with Marc Hernandez: LinkedIn: Marc Hernandez: https://www.linkedin.com/in/money-man-marc/ Marc@MAHFinancial.Biz http://www.mahfinancial.biz (956) 994-0407 Connect with Carlos Lopez: LinkedIn: Carlos Lopez: https://www.linkedin.com/in/carlos-omar-lopez-9b4734167/ http://www.mahfinancial.biz (956) 994-0407

In this episode, the M.A.H. Financial Services team explores how government shutdowns affect retirees — from Social Security and Medicare operations to financial markets — and how to stay prepared. Key Takeaways: 1. Benefits Proceed, but Service Slows - Social Security and Medicare continue, but expect slower service, reduced staffing, and processing delays. 2. Financial Uncertainty & Volatility - Suspended economic data can drive market swings, making withdrawals riskier and causing administrative delays or missed payments. 3. Strategies for Resilience - Keep a 1–3 month cash buffer for expenses or delays. - Plan ahead for benefit and healthcare payments. - Stick to a disciplined investment and withdrawal plan. - Consider steady income options like annuities. Connect with Marc Hernandez: LinkedIn: Marc Hernandez: https://www.linkedin.com/in/money-man-marc/ Marc@MAHFinancial.Biz http://www.mahfinancial.biz (956) 994-0407 Connect with Carlos Lopez: LinkedIn: Carlos Lopez: https://www.linkedin.com/in/carlos-omar-lopez-9b4734167/ http://www.mahfinancial.biz (956) 994-0407

Sustained inflation doesn’t just raise prices—it can quietly chip away at your Social Security benefits. In this episode, we break down how COLA (Cost-of-Living Adjustments) works, why it may not fully protect your spending power, and how rising Medicare premiums and taxes can offset your increase. What you’ll learn: - Why COLA is imperfect and often lags behind real retiree expenses - How Medicare costs and the “tax torpedo” reduce your benefit bump - Why rethinking your claiming strategy matters in an inflationary environment - How to actively monitor policy triggers (CPI-W, Medicare, tax thresholds) - Perfect for retirees and pre-retirees who want to protect their income, preserve purchasing power, and stay ahead of inflation. Connect with Marc Hernandez: LinkedIn: Marc Hernandez: https://www.linkedin.com/in/money-man-marc/ Marc@MAHFinancial.Biz http://www.mahfinancial.biz (956) 994-0407 Connect with Carlos Lopez: LinkedIn: Carlos Lopez: https://www.linkedin.com/in/carlos-omar-lopez-9b4734167/ http://www.mahfinancial.biz (956) 994-0407

Discover how hybrid life insurance with long-term care benefits works—and why it’s becoming a popular solution for protecting both assets and loved ones. This type of policy combines a guaranteed death benefit with the flexibility of monthly LTC income if care is ever needed. Learn about key features like indemnity payouts, guaranteed premiums, shared benefits for couples, and the “use it or lose it” advantage that ensures money is never wasted. Perfect for individuals or couples seeking predictable premiums, asset protection, and financial peace of mind.

Learn how an Indexed Universal Life IUL policy can provide powerful tax advantages that traditional accounts cannot match. In this video, we explain the triple tax benefit that makes IULs a unique financial tool. Key topics discussed: ✅Tax-deferred growth of cash value ✅Income tax-free death benefit for beneficiaries ✅Potential tax-free access to cash value through policy loans

Federal employees facing a layoff may be able to access their Thrift Savings Plan (TSP) and other retirement accounts early without the 10% penalty by using IRS Section 72(t). This provision allows for penalty-free withdrawals before age 59½ if taken as Substantially Equal Periodic Payments (SEPPs). You can calculate payments using the RMD, Fixed Amortization, or Fixed Annuitization methods, but once started, they must continue for at least five years or until age 59½. Unlike the Rule of 55, which applies if you separate at age 55 or later, 72(t) can provide an income bridge if you’re laid off earlier—helping you delay your FERS pension or Social Security for higher long-term benefits. Because the rules are strict and mistakes can trigger penalties, it’s best to seek professional financial advice before starting.

In this episode, we break down the latest updates and strategies you need to know to secure your financial future in retirement. From tax-saving opportunities to key changes in Social Security and healthcare, we cover it all. Key topics discussed: ✅ Enhanced Senior Deduction – What it means and how to qualify ✅ Social Security Taxation – Strategies to reduce the tax bite ✅ Social Security Trust Fund – The latest projections and what they mean for retirees ✅ Healthcare Changes – Updates that could impact your retirement planning ✅ Upcoming Tax Cuts – What’s on the horizon and how to prepare ✅ Roth IRA Conversions – When and why they make sense ✅ Taking Advantage of Lower Tax Brackets – Tactical moves for long-term benefit

Sharp drops in major indexes and economic uncertainty have many pre-retirees and retirees wondering: “What does this mean for my future?” It’s natural to feel uneasy when markets move like this, especially if you’re nearing or already in retirement. But here’s the good news: market turbulence isn’t new—and if your strategy is built the right way, it’s something you’re already prepared for. On today’s show, we’re breaking down how smart retirement planning helps you stay the course—even when markets get rocky. From diversification and downside protection to tools designed for stability, we’re here to help you feel confident in the decisions you’ve made with us—and the ones still ahead.