Financial Education for Colorado Educators (and those they love). Absolutely Free.
I've been doing some financial presentations for educators in various Colorado school districts. As part of the intro to my presentation I reference the fairly typical "90-minute New Employee Orientation" that school districts often provide for new teachers and that, while these are well-intentioned, they usually fall woefully short of what they could (and should) … Continue reading New Teacher (Financial) Orientation
I've written previously about health insurance in retirement for members of Colorado PERA. As we are now in open enrollment for 2024, I thought I would update with current numbers as well as with a philosophical question. But first, a little background. PERACare is health insurance that PERA retirees can get through PERA. It is … Continue reading PERACare vs. ACA Marketplace: 2024 Edition
One of the major concerns of retirees - and of folks who are pondering their eventual retirement - is the cost of health care. It's a major concern for at least two reasons. First, of course, people realize that there can be significant health care costs as we age. But perhaps just as important is … Continue reading How Much Will You Spend on Health Care in Retirement?
The IRS recently announced the contribution limits for HSAs for 2023. So when January 1st rolls around, check the amount you (and possibly your employer) are contributing and make adjustments if necessary. As I've written about before, maxing out your HSA contributions and using it as a stealth retirement account can be a great idea … Continue reading Increase in 2023 HSA Contribution Limits
One of the most important spending factors to take into account when planning for retirement is the cost of healthcare, including the cost of health insurance. Most people are generally aware that their employer picks up a large portion of their health insurance premium costs, but it's not until you stop working and that goes … Continue reading Medicare and PERACare Premium Changes for 2022
First, a caveat. Health care - and health insurance - are complicated and nuanced topics that are heavily influenced by individual circumstances and options. The following post should be generally applicable for folks who are in a similar situation as we are, but you should always investigate the particulars for your situation carefully. This post … Continue reading Health Insurance: PERACare vs. the ACA Marketplace
Fisch Financial 