Do you think estate planning is only for the wealthy? Think again! This week on the show Kelly talks with Bo Moore about the importance of planning for your estate to pass on to the next generation. Proper planning will go a long way in maintaining the peace and harmony in your family and protecting your family legacy.
Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
We do not offer legal or accounting advice. Please consult the necessary professional before making any legal or tax decisions.
Get in touch
Email info@yourhrsagent.com
or call 814-419-8424
Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954
Kelly Racicot is the agency owner of Hometown Retirement Specialists, LLC. Neither
Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security
Administration, or any government agency. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. The information we provide is limited to the plans we do offer in your area. Please visit Medicare.gov or call 1-800-MEDICARE to get information on all your options.
The information shared in this episode does not constitute tax, legal or investment
advice. All opinions and information shared in this episode is for informational purposes
only and should not be acted upon with the assistance of a qualified and licensed
professional. Guarantees mentioned are subject to the strength and claims paying
ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a
solicitation to sell or offer to sell products to any residents of any state in which Kelly or
her firm is not licensed or where otherwise legally permitted.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

Episode 25 How Does Medicare Pay for Cancer Care
Increased age is the greatest risk factor for cancer. Nearly 60% of cancer patients are aged 65 or older. So it’s an important consideration for your retirement planning, especially when it comes to Medicare planning. This week on the show, Kelly share’s how Medicare pays for cancer treatment and where you might run into some unforeseen expenses.
Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
You might be Interested:
National Cancer Institute Risks and aging
American Cancer Society costs of cancer
Medicare.gov and cancer

Get in touch
Email info@yourhrsagent.com
or call 814-419-8424
Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954
Kelly Racicot is the agency owner of Hometown Retirement Specialists, LLC. Neither
Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security
Administration, or any government agency. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. The information we provide is limited to the plans we do offer in your area. Please visit Medicare.gov or call 1-800-MEDICARE to get information on all your options.
The information shared in this episode does not constitute tax, legal or investment
advice. All opinions and information shared in this episode is for informational purposes
only and should not be acted upon with the assistance of a qualified and licensed
professional. Guarantees mentioned are subject to the strength and claims paying
ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a
solicitation to sell or offer to sell products to any residents of any state in which Kelly or
her firm is not licensed or where otherwise legally permitted.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

This week on the show, Kelly shares the Top 3 mistakes that most people make when it comes to planning their estate. Life changes and so should your plan.
Kelly will be presenting her Enhanced Planning Workshop at the Young Peoples Community Center in Ebensburg on January 23 rd at 11am and 24 th at 6pm. Call Hometown Retirement Specialists 814-419-8424 to register.
Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
Got an idea for the show…. We want to hear it! Email info@yourHRSagent.com
Get in touch
Email info@yourhrsagent.com
or call 814-419-8424
Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot is the agency owner of Hometown Retirement Specialists, LLC. Neither
Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security
Administration, or any government agency. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode does not constitute tax, legal or investment
advice. All opinions and information shared in this episode is for informational purposes
only and should not be acted upon with the assistance of a qualified and licensed
professional. Guarantees mentioned are subject to the strength and claims paying
ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a
solicitation to sell or offer to sell products to any residents of any state in which Kelly or
her firm is not licensed or where otherwise legally permitted.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

This week on the show, Kelly discusses the changing landscape of retirement.
Retirement as we know it is changing. American’s are living longer than ever before and
planning for the next 30 years goes beyond the funding of retirement. Many approaching retirement are asking themselves if the traditional notion of retirement is for them.
In today’s episode we explore ideas for easing into retirement.
Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
Got an idea for the show…. We want to hear it! Email info@yourHRSagent.com
Links you may be interested in:
#NeverRetire: WSJ- When will I Retire? How About Never
Investopedia- What is Phased Retirement
CSR- Retirement Trend in the U.S, 200-2022
Yahoo Finance- Surprising Stats on the State of Retirement in America
Get in touch
Email info@yourhrsagent.com
or call 814-419-8424
Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot is the agency owner of Hometown Retirement Specialists, LLC. Neither
Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security
Administration, or any government agency. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode does not constitute tax, legal or investment
advice. All opinions and information shared in this episode is for informational purposes
only and should not be acted upon with the assistance of a qualified and licensed
professional. Guarantees mentioned are subject to the strength and claims paying
ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a
solicitation to sell or offer to sell products to any residents of any state in which Kelly or
her firm is not licensed or where otherwise legally permitted.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

This week is a special episode just in time for the holidays. Kelly will be sharing nuggets of retirement wisdom shared by her longest-lived clients. You won’t want to miss this episode! 

Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
Got an idea for the show…. We want to hear it! Email info@yourHRSagent.com
Get in touch
Email info@yourhrsagent.com
or call 814-419-8424
Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot is the agency owner of Hometown Retirement Specialists, LLC. Neither
Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security
Administration, or any government agency. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode does not constitute tax, legal or investment
advice. All opinions and information shared in this episode is for informational purposes
only and should not be acted upon with the assistance of a qualified and licensed
professional. Guarantees mentioned are subject to the strength and claims paying
ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a
solicitation to sell or offer to sell products to any residents of any state in which Kelly or
her firm is not licensed or where otherwise legally permitted.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products
in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health
Insurance Program (SHIP) to get information on all of your options.

If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

This week Kelly shares another important conversation with Bo Moore of Seven Mountains Media in Johnstown about planning for long-term care and why it’s important to plan ahead of time. Statistics show that 70% of retirees over the age of 65 will need some type of future care. Kelly shares some options on how you can best protect your retirement.

Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
Got an idea for the show…. We want to hear it! Email info@yourHRSagent.com
Get in touch
Email info@yourhrsagent.com
or call 814-419-8424
Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Resources you might be interested in:
National Institute on Aging – What is long-term care
Medicare.gov – Long-term care
Genworth Financial – The cost of long-term care
AARP – Long-term care cost calculator
Pa.gov – Medical Assistance

Kelly Racicot is the agency owner of Hometown Retirement Specialists, LLC. Neither
Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security
Administration, or any government agency. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode does not constitute tax, legal or investment
advice. All opinions and information shared in this episode is for informational purposes
only and should not be acted upon with the assistance of a qualified and licensed
professional. Guarantees mentioned are subject to the strength and claims paying
ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a
solicitation to sell or offer to sell products to any residents of any state in which Kelly or
her firm is not licensed or where otherwise legally permitted.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

It seems like the buzz word in the financial world these days is Roth IRAs and Roth Conversions. So what’s all the hype? This week on the show, Kelly shares when it might make sense to pay the tax now for the potential for tax free distributions in retirement; and how even high earners can get in on the benefits of a Roth IRA.
Got an idea for the show…. We want to hear it! Email info@yourHRSagent.com
Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
Get in touch
Email info@yourhrsagent.com
or call 814-419-8424
Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Resources you might be interested in:
Tax Policy Center- Buckle Up: 2025 Promises To Be An
Kiplinger- What To Do Before Tax Cut and Jobs Act
Kiplinger- Widows Penalty- How to Prepare
USdebtclock.org
Nerd Wallet- 2024 IRMAA brackets

Kelly Racicot is the agency owner of Hometown Retirement Specialists, LLC. Neither
Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security
Administration, or any government agency. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode does not constitute tax, legal or investment
advice. All opinions and information shared in this episode is for informational purposes
only and should not be acted upon with the assistance of a qualified and licensed
professional. Guarantees mentioned are subject to the strength and claims paying
ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a
solicitation to sell or offer to sell products to any residents of any state in which Kelly or
her firm is not licensed or where otherwise legally permitted.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.
If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com

The holiday season can be stressful when you’re on a fixed income. On this week’s episode Kelly shares some tips on how you can spend wisely this year.
Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.
If you’d like to learn more about Kelly and Hometown Retirement Specialists check out
www.yourHRSagent.com
Get in touch
Email info@yourhrsagent.com
or call 814-419-8424
Connect on Social
www.facebook.com/yourhrsagent
www.instagram.com/yourhrsagent.com
https://www.linkedin.com/in/kelly-racicot-697ab954

Kelly Racicot is the agency owner of Hometown Retirement Specialists, LLC. Neither
Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security
Administration, or any government agency. Hometown Retirement Specialists, LLC
does not offer every plan available in your area. Currently we represent 8 organizations
which offer 766 products in the area. Please visit Medicare.gov, call 1-800-MEDICARE
or your local State Health Insurance Program (SHIP) to get information on all your
options.
The information shared in this episode does not constitute tax, legal or investment
advice. All opinions and information shared in this episode is for informational purposes
only and should not be acted upon with the assistance of a qualified and licensed
professional. Guarantees mentioned are subject to the strength and claims paying
ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a
solicitation to sell or offer to sell products to any residents of any state in which Kelly or
her firm is not licensed or where otherwise legally permitted.
Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social
Security Administration, or any government agency. We do not offer every plan
available in your area. Currently we represent 8 organizations which offer 766 products in the area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.

If you have questions about the show, Kelly or Hometown Retirement Specialists please
visit us on the web @ your HRS agent.com