Just Retired or Retiring Soon?

Retirement brings more freedom—but it also brings a surprising number of decisions. Between Medicare, taxes, insurance, and retirement accounts, it can be hard to know where to start.

One of the simplest ways to stay organized during your first year of retirement is to make a few important phone calls. These quick annual check-ins can help prevent expensive surprises later.

1. Your Medicare Advisor
- Many people don’t realize Medicare Supplement plans can be reviewed and shopped any time of year. The months outside the busy fall enrollment season are often a great time to check for potential premium savings while keeping the same standardized coverage. It’s also wise to review your prescription drug coverage at the same time, especially if medications have changed.

2. Your Tax Advisor
Retirement - often changes how income is taxed. Social Security, retirement withdrawals, pensions, and required minimum distributions can all affect your tax situation. A quick conversation can help prevent surprises when tax season arrives.

3. Your County Tax Office
- Homeowners in Adams and Weld Counties may qualify for senior property tax relief or exemptions. Many retirees don’t realize these programs exist, and a short call could lead to meaningful savings.

4. Your Retirement or Financial Advisor
- During your working years the focus is on building savings. In retirement, the strategy shifts to turning that nest egg into steady income that can keep up with inflation while limiting risk.

5. Your Insurance Agent
- Retirement often changes daily routines. You may be driving less, traveling more, or spending more time at home. A quick review of your home and auto policies can sometimes uncover discounts or improved coverage.

Retirement should feel simpler, not more complicated. A few thoughtful phone calls early on can help make sure your healthcare, finances, and insurance are working together the way they should.

Those small conversations today can help prevent big surprises tomorrow—and help you enjoy retirement with more confidence.

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We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area.Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options.