Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site. # Hovis and Associates At Hovis & Associates, we treat you like family. ## Sitemaps - [XML Sitemap](https://hovisandassociates.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blogs/Videos](https://hovisandassociates.com/blog-videos/) - [Unlock Your Success: Attend Our Certification Workshops](https://hovisandassociates.com/unlock-your-success-attend-our-certification-workshops/) - Certifications can be time consuming and a frustrating time of the year. Let our Agent Services Team help to ensure you are Ready-To-Sell for 2024. - [HELP WEEK](https://hovisandassociates.com/help-week/) - Finish your AHIP and certification all in one week! August 11th – 15th! - [ACA, ICHRA, and Why Now is a Golden Opportunity for Insurance Agents](https://hovisandassociates.com/aca-ichra-and-why-now-is-a-golden-opportunity-for-insurance-agents/) - The ACA and ICHRA spaces are not only alive and well — they're dynamic, growing, and full of opportunity. Agents who embrace these tools will be well-positioned to thrive no matter which way Congress or public opinion turns. - [Special Enrollment Period changes that impact your clients in 2025](https://hovisandassociates.com/special-enrollment-period-changes-that-impact-your-clients-in-2025/) - Each year, Centers for Medicare & Medicaid Services (CMS) makes adjustments to the Medicare program including Special Enrollment Periods (SEPs). In 2025, there will be significant changes to SEPs that could affect how beneficiaries can enroll in or change their Medicare plans. Let us break down the SEP changes for 2025 and how they might affect your clients. - [Skool](https://hovisandassociates.com/skool/) - Hovis & Associates is currently using Skool as an online platform for community learning, collaboration, and resource sharing. Try it today!!! - [ABCs of Part D](https://hovisandassociates.com/abcs-of-part-d/) - Medicare’s 2025 changes to Part D are a game - changer for prescription drug coverage, especially with the introduction of a $2000 out-of-pocket cap. What does this mean for your clients? - [2025 Medicare Premium and Deductible Updates](https://hovisandassociates.com/2025-medicare-premium-and-deductible-updates/) - Changes to Medicare Premium and Deductibles in 2025 - what you need to know. - [Three Simple Ways to Retain Your Medicare Book of Business](https://hovisandassociates.com/three-simple-ways-to-retain-your-medicare-book-of-business/) - Client retention does not need to feel overwhelming. Here are three simple methods to retain your current Medicare clientele. - [Integrity Technology for Hovis Agents](https://hovisandassociates.com/integrity-technology-for-hovis-agents/) - Integrity's integrated technology suite, accessible through a single login for contracted agents, simplifies the complexities of managing diverse tasks and multiple systems in the insurance business, enhancing efficiency, and resulting in a 63% increase in applications for agents who utilize the platform! - [2024 Medicare Premium and Deductible Updates](https://hovisandassociates.com/2024-medicare-premium-and-deductible-updates/) - Changes to Medicare Premium and Deductibles in 2024 - what you need to know. - [Appointment Prep – AEP Checklist](https://hovisandassociates.com/appointment-prep-aep-checklist/) - Servicing clients can be a full-time job, especially during the busy AEP season. Here are some tips to help you work smarter, not harder, so you can get the best out of AEP. - [5 reasons why YOU should be using electronic applications!](https://hovisandassociates.com/5-reasons-why-you-should-be-using-electronic-applications/) - Are you tired of paperwork delays and data-entry headaches during the enrollment process? Say goodbye to the delays and headaches and embrace the future of seamless enrollment with electronic applications! - [Understanding Final Expense Insurance](https://hovisandassociates.com/understanding-final-expense-insurance/) - When planning for the future, one aspect that often gets overlooked is preparing for end-of-life expenses. Final expenses, including funeral costs, outstanding debts, and medical bills, can place a significant financial burden on grieving loved ones. Final Expense Insurance policies provide solutions to ease the financial strain during a difficult time. In this blog, we will go through the details of final expense insurance policies, explaining what they are, how they work, and the benefits they offer. - [Medicare and Employer Coverage – Working Past 65 and Retirement](https://hovisandassociates.com/medicare-and-employer-coverage-working-past-65-and-retirement/) - Are you turning 65 or over the age of 65 and still working or preparing for retirement? Depending on your situation you may need to make an important choice: keep your employer-sponsored health plan or enroll in Medicare. - [Transferring Uplines Made SIMPLE](https://hovisandassociates.com/transferring-uplines-made-simple/) - Deciding to switch hierarchies in the Medicare arena can be a frustrating and confusing time. At Hovis & Associates, our Agent Services Team knows the rules with each carrier to help you create a game plan for switching to an upline that Makes Medicare SIMPLE. - [Understanding Short-Term Care Insurance](https://hovisandassociates.com/understanding-short-term-care-insurance/) - Short-Term Care insurance gives you the freedom to choose how and where you will recover from an unexpected accident or illness. - [What are the extra benefits offered in a Medicare Advantage Plan?](https://hovisandassociates.com/what-are-the-extra-benefits-offered-in-a-medicare-advantage-plan/) - Fitness Benefit? Dental? Vision? Hearing? A ride to your doctor’s office? Over the Counter (OTC)? A Medicare Advantage Plan (Part C) may offer all of that and more. Learn about all those extra benefits in our blog. #WeAreHovis #MedicareMadeSimple #HovisAgent - [Premium and Deductible Changes for Medicare Part A and Part B for 2023](https://hovisandassociates.com/premium-and-deductible-changes-for-medicare-part-a-and-part-b-for-2023/) - Great news coming your way! Several Medicare costs are reduced for 2023! - [Choose Local!](https://hovisandassociates.com/choose-local/) - We choose local options when it comes to food because it is better for us; just like we choose to frequent local businesses because it stimulates the economy that we live in. So, why wouldn’t you choose local when it comes to your Medicare uplines? See how Hovis & Associates has all the local feel AND the resources of a big company. #WeareHovis #HovisAgent #MedicareMadeSimple - [Holiday Gifting](https://hovisandassociates.com/holiday-gifting-2/) - The holidays are a perfect time to consider gifting money to your loved ones. We discuss the gift limits and strategy considerations in our blog. #WeAreHovis #PlanwithHovis - [What Your Medicare Agent Should Be Doing for You During Annual Enrollment Period](https://hovisandassociates.com/what-your-medicare-agent-should-be-doing-for-you-during-annual-enrollment-period/) - By now, you should have received your Annual Notice of Change (ANOC) document for your 2023 Medicare plan. October 15th through December 7th is the only time that most people can change their Medicare advantage or prescription drug plan. Read our blog to learn what your agent should be doing for you during this crucial change period. #WeAreHovis #MedicareMadeSimple - [2023 Medicare AEP Q & A with Kevin Hovis](https://hovisandassociates.com/2023-medicare-aep-q-a-with-kevin-hovis/) - https://youtu.be/HxIz2XqxhbA - [The Best Age to Buy Long-Term Care Insurance](https://hovisandassociates.com/the-best-age-to-buy-long-term-care-insurance/) - Waiting too long to purchase long-term care insurance can result in higher premiums or being turned down for a policy. Here we discuss the optimal age range to buy this protection. #WeAreHovis #PlanwithHovis - [Smoothing the Road to Retirement](https://hovisandassociates.com/smoothing-the-road-to-retirement/) - As you begin the process of retiring, you face many decisions. Learn all the ways Hovis & Associates can help smooth the road to retirement. #WeAreHovis #PlanwithHovis #WeMakeMedicareSimple - [What Does the New CMS Final Rule really mean?](https://hovisandassociates.com/what-does-the-new-cms-final-rule-really-mean/) - Three major changes that agents need to know to comply with the new CMS final rule as of October 1, 2022. #WeareHovis #HovisAgent #MedicareMadeSimple - [Weighing the pros and cons of variable annuities](https://hovisandassociates.com/weighing-the-pros-and-cons-of-variable-annuities/) - Considering adding a variable annuity to your portfolio? Here we discuss some of the pros and cons to help you weigh if they are a good fit for you. #WeAreHovis #PlanwithHovis #LifetimeIncome - [Time in the Market](https://hovisandassociates.com/time-in-the-market/) - Trying to time the market often results in below-average returns. Instead, time in the market is the key. Read more about the distinction between these two in our monthly blog. #WeAreHovis #PlanwithHovis - [Still Working and Medicare Eligible](https://hovisandassociates.com/still-working-and-medicare-eligible/) - https://youtu.be/4BHt4G1qJT0 View transcript on Still Working and Medicare Eligible - [Working Past Medicare Eligibility](https://hovisandassociates.com/working-past-medicare-eligibility/) - https://youtu.be/kGXfJriSABE View Transcript on Working Past Medicare Eligibility - [Free CE – Supporting Our Agents Always in ALL Ways](https://hovisandassociates.com/free-ce-supporting-our-agents-always-in-all-ways/) - Free CE – Supporting Our Agents Always in ALL Ways! Check out our blog and RSVP to get free CE while exploring Hovis & Associates as an upline. #WeareHovis #HovisAgent #MedicareMadeSimple - [Financial Foundations: Suitability and Risk Tolerance](https://hovisandassociates.com/financial-foundations-suitability-and-risk-tolerance/) - One size does not fit all when it comes to investments. Before buying the latest trendy stock, do your homework or talk to a financial professional to understand if it’s an appropriate addition to your portfolio. Our blog walks you through some things to consider before investing. #WeAreHovis #PlanwithHovis - [Hovis & Associates will be joining Integrity.](https://hovisandassociates.com/hovis-associates-will-be-joining-integrity/) - https://vimeo.com/714093671/34f596330e Integrity and Hovis & Associates Partner to Expand Medicare Distribution and Retirement Planning Capabilities Integrity’s best-in-class technology and systems will empower the Medicare and retirement planning specialty agency to help more Americans make the most of what life brings. DALLAS – JUNE 7, 2022 – Integrity Marketing Group, LLC (“Integrity”), a leading distributor of - [The Aftermath of Losing a Spouse](https://hovisandassociates.com/the-aftermath-of-losing-a-spouse/) - Knowing what needs to be done following the death of a spouse can be daunting. This blog walks through some key things to consider first and how important it is to surround yourself with a trustworthy team to help you through the transition. #WeAreHovis #PlanwithHovis - [Moving on Medicare](https://hovisandassociates.com/moving-on-medicare/) - https://youtu.be/VozzKeAiAH4 View Video transcript - [Interpreting Medicare](https://hovisandassociates.com/interpreting-medicare/) - https://youtu.be/RZ5Gj3W100U View Video Transcript - [Drug Interactions-Learn to Be Your Own Advocate](https://hovisandassociates.com/drug-interactions-learn-to-be-your-own-advocate/) - An educated patient is an empowered patient. Research shows that the average older adult takes four or more prescription drugs each day, but a whopping 39 percent of seniors take five or more prescriptions each day. Check for drug interactions with this simple tool. #WeAreHovis #MedicareMadeSimple #PatientAdvocacy - [Top To-Dos to Keep Premiums Low](https://hovisandassociates.com/top-to-dos-to-keep-premiums-low/) - Cyber liability premiums are increasing at an exponential rate. Here are 5 areas all organizations should focus on for improving compliance and lowering overall risks. #WeAreHovis #HovisAgent #cybersecurityawareness - [Financial Foundations – Establishing a Good Credit Score](https://hovisandassociates.com/financial-foundations-establishing-a-good-credit-score/) - This blog is the fourth in a series about creating a good financial foundation. We’ll discuss strategies for establishing a good credit score. #WeAreHovis #PlanwithHovis - [Health Savings Accounts (HSAs) and Medicare](https://hovisandassociates.com/health-savings-accounts-hsas-and-medicare/) - Before enrolling in Medicare A and/or B, know your options if you’re currently enrolled in a health savings account (HSA). #WeareHovis #MedicareMadeSimple #HovisAgent - [Creating Money Memories](https://hovisandassociates.com/creating-money-memories/) - As people reassess their priorities, consider creating “money memories” for you and your loved ones. Our blog illustrates how these may be more valued and cherished than any cash gift. #WeAreHovis #PlanwithHovis - [Pros/Cons of a Medicare Supplement](https://hovisandassociates.com/pros-cons-of-a-medicare-supplement/) - How do you know what Medicare plan is best for you? Check out this blog discussing the pros and cons of a Medicare Supplement. #WeAreHovis #MedicareMadeSimple - [Financial Foundations – FSA vs HSA](https://hovisandassociates.com/financial-foundations-fsa-vs-hsa/) - Flexible Spending Accounts and Health Savings Accounts offer employees a way to pay for some medical expenses with pre-tax dollars. Learn more about their rules and differences in this blog, the third in a series about creating a good, financial foundation. #WeAreHovis #PlanwithHovis - [Turning 65 and Your Medicare Options Q & A?](https://hovisandassociates.com/kevin-hovis-interview/) - https://youtu.be/n2UqI1S28Lw - [Financial Foundations – Starting a Savings Strategy](https://hovisandassociates.com/financial-foundations-starting-a-savings-strategy/) - This blog is the second in a series about setting up a good financial foundation. We’ll discuss some rules of thumb for how much income you should save. #WeAreHovis #PlanwithHovis - [SS – Drawing at 70](https://hovisandassociates.com/ss-drawing-at-70/) - https://www.youtube.com/watch?v=ILAVEW48S0Q Transcript: Learn more about Social Security, Delaying benefit until age 60. - [Agent Retirement Options](https://hovisandassociates.com/agent-retirement-options/) - What would happen to your revenue stream if you had a hardship such as a health issue, disability or had to care for someone else? 48% of American retirees leave work earlier than expected, according to new data on www.businessinsider.com. - [Medicare 101…What you need to know BEFORE signing up for Parts A & B!](https://hovisandassociates.com/medicare-101what-you-need-to-know-before-signing-up-for-parts-a-b/) - Are you turning 65 or planning to retire this year? Make sure you have all the information you need to make an informed decision and to avoid costly mistakes. - [Out with the old to make room for the new](https://hovisandassociates.com/out-with-the-old-to-make-room-for-the-new/) - Start your new year off right by organizing your files. Our blog offers general guidelines on how long to keep different documents. #WeAreHovis #PlanwithHovis - [Holiday Gifting](https://hovisandassociates.com/holiday-gifting/) - The holidays are a perfect time to consider gifting money to your loved ones. We discuss the gift limits and strategy considerations in our blog. #WeAreHovis #PlanwithHovis - [Hovis & Associates’ Business Builder Program](https://hovisandassociates.com/hovis-associates-business-builder-program/) - We don’t offer leads, we offer APPOINTMENTS! All appointments are conducted in FREE office space at one of our convenient Hovis & Associates’ locations. #wearehovis #hovisagent #medicaremadesimple - [OUCH…Medicare costs increase 14.5% in 2022!](https://hovisandassociates.com/ouchmedicare-costs-increase-14-5-in-2022/) - Medicare Part B premium increases 14.5%, deductible increases 14.0%, and IRMAA increases 14.77%! - [Grateful for our Clients](https://hovisandassociates.com/grateful-for-our-clients/) - As we near Thanksgiving, we send a note of thanks to our wonderful clients. #WeAreHovis #PlanwithHovis - [Medicare and Annual Enrollment Q&A with Kevin Hovis](https://hovisandassociates.com/medicare-and-annual-enrollment-qa-with-kevin-hovis/) - https://youtu.be/sp9C674cML8 - [Dental Insurance – Something to SMILE about!](https://hovisandassociates.com/dental-insurance-something-to-smile-about/) - One the most frequent topics discussed among Medicare beneficiaries is dental coverage. As we get older our teeth need more attention and dental procedures can be costly. Having dental coverage can help pay some of those expenses. Here are some key points when considering dental insurance. - [Financial Foundations – Retirement plans](https://hovisandassociates.com/financial-foundations-retirement-plans/) - Recent graduates often feel overwhelmed and confused with many of the financial decisions they are now forced to make. To help ease that transition, we’ve created a blog series about starting out with a good, financial foundation. The first in this series delves into employer retirement plans. #WeAreHovis #PlanwithHovis - [SS – Drawing at FRA](https://hovisandassociates.com/ss-drawing-fra/) - You’ve reached your Social Security full retirement age. Now you must weigh whether to draw your full benefit or delay it longer. This video gives you food for thought when making that decision. #WeAreHovis #PlanWithHovis - [The Importance of Estate Planning](https://hovisandassociates.com/the-importance-of-estate-planning/) - To illustrate just how important having your legal affairs in order is, this Estate Planning blog details a recent experience after losing a loved one. #WeAreHovis #PlanwithHovis - [Saving for College with 529 plans](https://hovisandassociates.com/saving-for-college-with-529-plans/) - The month of August is a flurry of activity as families ready themselves for another school year. Back-to-school shopping trips, school registrations, and open houses fill many household calendars leading up to that memorable first day of school. Even though it may seem years away, remember that it’s never too early to start planning for college. One of - [SS - Drawing Early](https://hovisandassociates.com/ss-early-drawing/) - Learn more about the implications of claiming your Social Security benefit early in this video. #WeAreHovis #PlanWithHovis - [RMD Rules](https://hovisandassociates.com/rmd-rules/) - Many clients with IRAs or retirement account have heard about Required Minimum Distributions or RMDs but they may not understand all the rules. Check out our blog to learn about the rules to follow and the penalties to avoid. #WeAreHovis #PlanwithHovis - [Maintaining An Emergency Fund](https://hovisandassociates.com/maintaining-an-emergency-fund/) - Establishing and maintaining an emergency fund is one of those personal finance best practices that we learned in school but may have forgotten until faced with a crisis. Read our blog to learn how much you should have tucked away for emergencies. #WeAreHovis #PlanwithHovis - [We are E-X-P-A-N-D-I-N-G!](https://hovisandassociates.com/we-are-e-x-p-a-n-d-i-n-g/) - Hovis & Associates is moving and expanding the St. Louis location to provide a better experience for our agents! - [Pay Yourself First](https://hovisandassociates.com/pay-yourself-first/) - Some of the best advice I ever received was to pay yourself first. Hopefully, this blog will inspire you to do the same. #WeAreHovis #PlanwithHovis - [What should I do with my old 401k?](https://hovisandassociates.com/what-should-i-do-with-my-old-401k/) - When clients change or lose jobs, they have questions about what they should do with their old 401ks or retirement plans. Here are some general guidelines on options that you may have. #WeAreHovis #PlanwithHovis - [Differences between Roth & Traditional IRAs](https://hovisandassociates.com/differences-between-roth-traditional-iras/) - https://youtu.be/q-PSkhaaeb8 Transcript: Differences between Roth & Traditional IRAs - [Why Hovis & Associates as Your Medicare Upline?](https://hovisandassociates.com/why-hovis-associates-as-your-medicare-upline/) - Hovis & Associates helps to build better workdays and businesses for our agents with the plethora of programs and support that we offer. We care about YOUR business and want you to succeed because if you look good, we look good. We Make Selling Medicare SIMPLE! - [Medicaid Made Easy](https://hovisandassociates.com/medicaid-made-easy/) - We often get calls from our clients about commercials they see airing on television promising extra benefits to eligible individuals on Medicare. What those commercials do not disclose is that most of these extra benefits are only available to individuals on both Medicare and Medicaid. While these commercials are very compelling and could potentially help a person enrolled in both Medicare and Medicaid, they leave the rest of the Medicare population confused and full of questions. Here at Hovis & Associates, we hear the questions and want to help make Medicaid SIMPLE by providing a summary explaining Medicaid and how it coordinates with Medicare. - [Social Security: Divorced Spouse Benefits](https://hovisandassociates.com/social-security-divorced-spouse-benefits/) - Divorced spouses may be entitled to Social Security benefits from their ex. To see if you could qualify, read our blog. #WeAreHovis #PlanwithHovis - [The Family Money Discussion](https://hovisandassociates.com/the-family-money-discussion/) - Discussing money with your family is often taboo. Break that mindset and start having a family money discussion so they can learn and understand your thoughts, goals, and intentions with your hard-earned wealth. #WeAreHovis #PlanwithHovis - [Medicare Election Periods You Should Know About](https://hovisandassociates.com/medicare-election-periods-you-should-know-about/) - We are now a month into 2021 and if you are turning 65 this year or retiring, there are Medicare election periods that you should know about. Although the list seems to be never ending when it comes to election periods, we will focus on four different election periods for this blog. Initial Enrollment Period - [Medicare Sign Up](https://hovisandassociates.com/medicare-sign-up/) - https://youtu.be/WPYecuzPCWA Transcript: Check out our video to learn about medicare sign ups. - [The importance of beneficiary designations](https://hovisandassociates.com/the-importance-of-beneficiary-designations/) - https://youtu.be/a-TyKZUimvw Transcript: Check out our video to learn about the importance of beneficiary designations. - [Understanding the Updated 2021 Medicare Costs & Premiums](https://hovisandassociates.com/understanding-the-updated-2021-medicare-costs-premiums/) - By now, you have received a letter from Social Security describing your costs that will be deducted from your Social Security benefit, as well as informing you of your whopping 1.3% increase in benefits. In this blog, I will go over the Medicare changes for 2021 that will include premiums and deductibles. - [Turning 50? Take advantage of retirement plan catch-up contributions](https://hovisandassociates.com/turning-50-take-advantage-of-retirement-plan-catch-up-contributions/) - There are some advantages to turning 50, such as being able to increase your retirement plan contributions each year. Read our blog to learn about catch-up contribution limits. It’s a great way to make a fresh start in the new year. #WeAreHovis #PlanwithHovis - [7 Ways to Get the Most Out of Your Medicare Supplement Plan](https://hovisandassociates.com/7-ways-to-get-the-most-out-of-your-medicare-supplement-plan/) - Are you getting the most out of your Medicare Supplement? December is the time to make a list and check it twice, so let’s go through these seven reasons why you may need to shop your Medicare Supplement NOW! Rate Increases: In just the past few months we have seen rate increases on Medicare Supplement - [Social Security Maximization](https://hovisandassociates.com/social-security-maximization/) - https://youtu.be/39hlZ8ZivCI Transcript: To maximize your Social Security benefit, know your options and the claiming rules. - [20 Lessons from 2020](https://hovisandassociates.com/20-lessons-from-2020/) - Before we close out 2020, we reflect on 20 lessons we learned during this crazy and challenging year. #WeAreHovis #PlanwithHovis - [Refinance Opportunities](https://hovisandassociates.com/refinance-opportunities/) - With interest rates at record lows, now may be the perfect time to refinance your mortgage. Read our blog to see if a refi might make sense for you. #WeAreHovis #PlanwithHovis - [Gratitude Unlocks the Fullness of Life](https://hovisandassociates.com/gratitude-unlocks-the-fullness-of-life/) - “Gratitude makes sense of our past, brings peace for today, and creates a vision for tomorrow.” – Melody Beattie Hovis & Associates feels so blessed that in the spirit of Thanksgiving, we want to share nine things we are grateful for! - [Creating Your Own Pension](https://hovisandassociates.com/creating-your-own-pension/) - Create your own pension of guaranteed lifetime income with an annuity. - [Envisioning Your Ideal Retirement](https://hovisandassociates.com/envisioning-your-ideal-retirement/) - Watch our video to help envision what your ideal retirement might look like. - [CyberSecurity Awareness Month – Be Cyber Smart!](https://hovisandassociates.com/cybersecurity-awareness-month-be-cyber-smart/) - Most Medicare or health-insurance agents are sole proprietors. In the 2018 Data Breach Investigations Report, Verizon found that 58% of all cyberattacks target small businesses. Moreover according to the U.S. National Cyber Security Alliance, 60% of small companies are unable to sustain their business more than six months following a cyberattack. We see this trend because, according to the Ponemon Institute, the average cost for small businesses to clean up after being hacked is about $690,000 and, for middle market companies, it is over $1 million. Can you sustain that cost? - [6 Simple Savings Strategies](https://hovisandassociates.com/6-simple-savings-strategies/) - 2020 brought a new focus on the importance of having some money saved and available for unplanned emergencies. But, many people need help getting started. Here are 6 simple savings strategies. #WeAreHovis #PlanwithHovis - [5 Social Security Best Practices](https://hovisandassociates.com/5-social-security-best-practices/) - Social Security can be complicated and confusing. Here are 5 best practices that can help expand your knowledge and understanding on this topic. #WeAreHovis #PlanwithHovis - [Long Term Care](https://hovisandassociates.com/long-term-care/) - Would you drop your homeowner’s insurance if you knew there was a 70% chance you would have a claim? No? Then you may want to consider Long Term Care Insurance. - [Virtual Appointments and Electronic Applications](https://hovisandassociates.com/virtual-appointments-and-electronic-applications/) - 2020 has presented many challenges but also opportunities. In particular, opportunities to expand and grow with technology. We are fortunate today to have great, easy-to-use technology at our fingertips, ready for when clients are unable to meet with us face-to-face. A bonus for agents is that it will eliminate your travel time. Imagine having four or five - [Breaking News! Check all the Ready to Sell Winners!](https://hovisandassociates.com/breaking-news-check-all-the-ready-to-sell-winners/) - https://youtu.be/AezPlM102_0 Transcript: Breaking News! Check all the Ready to Sell Winners! - [New MSA Plan](https://hovisandassociates.com/new-msa-plan/) - Have you heard about the new Medicare Medical Savings Account (MSA) plan? Here is everything you need to know about the new plan. - [5 RMD Rules](https://hovisandassociates.com/5-rmd-rules/) - Check out our video to learn about 5 important Required Minimum Distribution (RMD) rules that financial clients should understand. - [Long Term Care – Are You Covered?](https://hovisandassociates.com/long-term-care-are-you-covered/) - Would you drop your homeowner’s insurance if you knew there was a 70% chance you would have a claim? NO? Then you may want to consider Long Term Care Insurance! - [Choosing the Correct Election Code](https://hovisandassociates.com/choosing-the-correct-election-code/) - Understanding election periods is important, and the Medicare acronyms can be confusing. If you are looking for clarity and direction, read our blog. - [Financial Calculators](https://hovisandassociates.com/financial-calculators/) - Check out the financial calculators on our website to answer your questions from loan payments to refinancing to life insurance needs. - [An Education in Student Loan Debt](https://hovisandassociates.com/an-education-in-student-loan-debt/) - Student loan debt is growing as the cost of college continues to outpace inflation. College students should carefully weigh their options and understand the financial impact of taking out student loans. Here we dive into the reality of how these loans translate into payments as graduates enter the workforce. - [Investing 101: Investing vs Saving](https://hovisandassociates.com/investing-101-investing-vs-saving/) - Many people new to the world of investing are confused by the financial jargon. This first of a series of blogs is devoted to explaining financial terms and concepts. We’ll start with discussing the basics: investing vs. savings. - [MACRA Explained](https://hovisandassociates.com/macra-explained/) - Have you heard rumors about Plan F going away? Have you received calls from current clients, worried about the new changes to their Medicare Supplement Plan F? Here is MACRA Explained… - [New Medicare Beneficiary Identifier](https://hovisandassociates.com/new-medicare-beneficiary-identifier/) - What beneficiaries need to know about the new Medicare ID. - [Investing 101: Compound Interest & The Rule of 72](https://hovisandassociates.com/investing-101-compound-interest-the-rule-of-72/) - Investing in the stock market requires patience and commitment, something many investors struggle to exhibit. Consistently investing on a set schedule can yield big results. As we continue our Investing 101 blog series, click on the link below to learn more about the power of compound interest and the Rule of 72. - [10 Ways to Protect Yourself from Cyber Threats & Identity Theft](https://hovisandassociates.com/10-ways-to-protect-yourself-from-cyber-threats-identity-theft/) - Check out these 10 Cyber Security Tips to protect your information and accounts from being compromised. #WeAreHovis #PlanWithHovis - [Navigating Medicare.gov – Why Having an Agent is Important](https://hovisandassociates.com/navigating-medicare-gov-why-having-an-agent-is-important/) - One of the biggest changes this Annual Enrollment Period is the new Medicare.gov Plan Finder. For the first time in a decade, it has been “modernized and redesigned,” according to the Centers for Medicare & Medicaid Services. The Plan Finder, which is available at www.medicare.gov/find-a-plan, is used by millions of consumers every year to compare - [AEP Wrap Up!](https://hovisandassociates.com/aep-wrap-up/) - AEP passed by like a blur! Clients were notified of plan changes, applications were submitted, phone calls were made, and doctors were checked. Now it’s time to relax and enjoy the holiday season with your loved ones, sipping hot cocoa by the toasty fire. But wait! Before you get too comfortable, did you wrap up your AEP? - [Making a list, checking it twice: 5 Year-End Reminders](https://hovisandassociates.com/making-a-list-checking-it-twice-5-year-end-reminders-2/) - As 2019 draws to a close, Santa isn’t the only person making a list and checking it twice. Clients should keep these 5 things in mind. #WeAreHovis #PlanwithHovis - [Your Guide to MACRA](https://hovisandassociates.com/your-guide-to-macra/) - How does MACRA affect you? - [10 Financial Resolutions for 2020](https://hovisandassociates.com/10-financial-resolutions-for-2020/) - Ring in 2020 by setting some Financial Resolutions. Here are 10 suggestions to help keep you on track with your finances. - [Estate Planning](https://hovisandassociates.com/estate-planning/) - Estate Planning is not just for the wealthy. Everyone, regardless of age, health, or wealth, needs some form of estate planning. Read our blog to learn what documents you may need to get your estate in order. - [5 Things Medicare Doesn’t Cover](https://hovisandassociates.com/5-things-medicare-doesnt-cover/) - It is important to understand what Medicare Part A and Part B cover, so you don’t end up with unexpected medical bills in retirement. - [Paperless Office Transformation](https://hovisandassociates.com/paperless-office-transformation/) - Agents, are you ready to go paperless? - [IRA Contribution FAQs](https://hovisandassociates.com/ira-contribution-faqs-2/) - With a few weeks to go before Tax Day, we often get phone calls with questions about Roth IRAs and Traditional IRAs. Read more to learn the answers to many frequently asked questions by our clients. - [Your Meaningful Retirement](https://hovisandassociates.com/your-meaningful-retirement/) - If your goal is a meaningful retirement, read our blog about discovering your purpose and identifying your passions. - [Compliance Checklist – Steps to Take to Protect You and Your Medicare Business](https://hovisandassociates.com/compliance-checklist-steps-to-take-to-protect-you-and-your-medicare-business/) - Between Cyber Security, HIPAA, and Medicare Compliance most Life & Health agents have a hard time trying to figure out where to start. Although we want to complete a task and be done with it, cyber security best practices and protecting your organization’s networks and sensitive data is a commitment that lasts all year long. - [Healthcare in Retirement](https://hovisandassociates.com/healthcare-in-retirement/) - Planning for retirement should include more than just reviewing your financial situation. It should also factor in ensuring you have adequate health care coverage. Before you retire, make sure you know all your health insurance options. - [What is Medicare?](https://hovisandassociates.com/what-is-medicare/) - Are you turning 65 soon? Learn more about Medicare Part A and Part B. We make the complicated simple. - [Investing 101: Dollar Cost Averaging](https://hovisandassociates.com/investing-101-dollar-cost-averaging/) - With volatile markets, investors can be nervous that they may buy high one day and then see their investment value drop the next. To mitigate that risk, many clients use a strategy known as dollar cost averaging to make their investments. Read more about this approach in our blog. - [Get the Most out of AEP](https://hovisandassociates.com/get-the-most-out-of-aep/) - AEP only last 54 days. Once you factor in holidays and weekends, your window of opportunity shrinks even smaller. It is extremely important to stay organized from the start. Here are 5 tips to help for a smoother AEP season. - [Navigating Your Annual Certifications](https://hovisandassociates.com/navigating-your-annual-certifications/) - Are you tired of spending hours looking through company portals for courses to complete your certification only to find you can’t get logged in? Let us help you make navigating certifications easier! - [The Great Wealth Transfer](https://hovisandassociates.com/the-great-wealth-transfer/) - As more and more clients are inheriting assets from their loved ones, the need for financial planning is increasing. With inherited assets, there are different options available, depending upon the type of account, as well as special rules that must be followed. When faced with questions on how best to manage these inherited assets, Hovis & Associates can help provide the answers. - [5 Tips to Protect Client Info](https://hovisandassociates.com/5-tips-to-protect-client-info/) - Most days you have back-to-back appointments and running all over town to different locations meeting with clients. At your last appointment of the day, you realize you forgot your computer at the café across town. You return to find your computer was stolen. How well is your clients’ personal information protected? - [Valuing Financial Planning](https://hovisandassociates.com/valuing-financial-planning/) - Have you ever wondered how much money you will need in retirement? Or maybe, how much life insurance you will need to protect your family should something happen to you? If finding the answers to questions like these keeps you up at night, it might be time to consider financial planning. - [Creating a College Savings Plan](https://hovisandassociates.com/creating-a-college-savings-plan/) - As we near May 29th, what better time to talk about 529 plans! College costs continue to increase year over year. Curious what the expected costs will be for your children or grandchildren? Hovis & Associates can help calculate those costs and put a savings plan in place to help you meet your education goals. - [Protect Your Clients from Massive Out-of-Pocket Expenses](https://hovisandassociates.com/protect-your-clients-from-massive-out-of-pocket-expenses/) - Imagine sitting in an appointment with your clients. You are covering the different options they have available to them for Medicare insurance. Turns out, an Advantage plan is best for the husband, and a Supplement with a Part D plan is best for the wife. - [What's your biggest financial worry?](https://hovisandassociates.com/whats-your-biggest-financial-worry/) - Despite their differences, clients have similar concerns when it comes to finances. Let us know what you think. Reply back with your biggest financial worry. - [De Soto office relocation](https://hovisandassociates.com/de-soto-office-relocation/) - We are excited that Hovis & Associates is making some big changes… - [Why Anniversaries are Important](https://hovisandassociates.com/why-anniversaries-are-important/) - Anniversaries aren’t always about fancy dinners, chocolate, and pretty flowers. It can be about saving your clients’ money too! Do you have clients that are on a Medicare Supplement plan in Missouri? Did you know that they can switch to another carrier, like plan to like plan for a cheaper premium! It’s true! Missouri’s “Anniversary - [IRA Contribution FAQs](https://hovisandassociates.com/ira-contribution-faqs/) - With a few weeks to go before Tax Day, we often get phone calls with questions about Roth IRAs and Traditional IRAs. Read more to learn the answers to many frequently asked questions by our clients. - [March Madness](https://hovisandassociates.com/march-madness/) - AEP seemed like a blur. Call after call, meeting after meeting. Before you knew it, it was December 7th! You made every effort to meet with all your clients to make sure they were on the best plan for their needs starting January 1st. But what happens to that client that was “okay” with their - [Social Security Dilemma: When should I start claiming?](https://hovisandassociates.com/social-security-dilemma-when-should-i-start-claiming/) - For those clients who are nearing the age of 62, many are anxiously awaiting to file for Social Security. But is filing at 62 always a good idea? Not necessarily. Age 62 is not full retirement age (FRA) in the eyes of the Social Security Administration. Your FRA is based upon when you were born. - [Missing your Renewal Commissions?](https://hovisandassociates.com/missing-your-renewal-commissions/) - Did you recertify? We know. We know. Annual certification is everyone’s FAVORITE time of the year!! Test, after test, after test of the same information with each carrier. You just feel like you want to throw in the towel! However, it’s important to keep your renewals coming and for you to stay on top of - [35 Reasons Why Hovis](https://hovisandassociates.com/35-reasons-why-hovis/) - You just wrapped up AEP. Congratulations! Did your upline provide you with all the support they promised? No? We aren’t surprised. Here’s 35 reasons why you should switch your upline to Hovis & Associates. - [Where does all our money go?](https://hovisandassociates.com/where-does-all-our-money-go/) - With the holidays right around the corner, do you find yourself wondering where does all your money go? The Bureau of Labor Statistics knows. They released a report in September showing where the average household expenditures went in 2017. See how you compare. - [It’s All About Balance](https://hovisandassociates.com/its-all-about-balance/) - Start the new year off right with a little planning. It can go a long way to avoiding regrets and living your best life. - [Making a list, checking it twice: 5 Year-End Reminders](https://hovisandassociates.com/making-a-list-checking-it-twice-5-year-end-reminders/) - As 2018 draws to a close, Santa isn’t the only person making a list and checking it twice. Clients should keep these 5 things in mind. - [Leaving Your Legacy to the Right People](https://hovisandassociates.com/leaving-your-legacy-to-the-right-people/) - Don’t make the mistake of leaving your assets to the wrong heirs. These simple suggestions can help your loved ones avoid headaches and uncomfortable conversations. - [Saving Money on Health Costs with Some Extra Help](https://hovisandassociates.com/saving-money-on-health-costs-with-some-extra-help/) - Finding ways to skim down the cost of your healthcare could be dangerous. Many people with Medicare may be eligible for the Extra Help program but don’t even know it. Are you or a family member one of them? - [Look Out for Your New Medicare Card!](https://hovisandassociates.com/look-out-for-your-new-medicare-card/) - Medicare is looking out for you! Have you received a new card in the mail? If you have not you will soon. Read about how they are protecting you from fraud. - [Avoid These Financial Mistakes When Planning for Retirement](https://hovisandassociates.com/avoid-these-financial-mistakes-when-planning-for-retirement/) - When it comes to planning for retirement, you want to make sure you are prepared to live out your later years in the style you desire. Getting there isn't always easy and is going to require some financial planning. While you're working on your retirement plan, be careful not to make these common financial mistakes. - [Premiums and Deductibles Increasing for Medicare Part A and B in 2016](https://hovisandassociates.com/premiums-and-deductibles-increasing-for-medicare-part-a-and-b-in-2016/) - Every year, those with Medicare or Medicaid must reexamine their expenses as premiums change, deductibles go up, and new laws go into effect. The Centers for Medicare & Medicaid Services announced changes to the 2016 premiums and deductibles for Medicare Part A and Part B programs. Here's what you need to know. Premiums Are Going - [What You Should Know About Medigap](https://hovisandassociates.com/what-you-should-know-about-medigap/) - Medigap is a type of supplemental health insurance to help fill in any gaps in coverage (hence the name) not filled by Medicare. Medigap is sold by private insurance companies and covers things such as deductibles, coinsurance and co-payments. You can also opt for a Medigap policy that covers specific health care needs that are - [Get Dental, Vision and Hearing Insurance through Medico](https://hovisandassociates.com/get-dental-vision-and-hearing-insurance-through-medico/) - Although Medicare provides a range of health care benefits to seniors and those with disabilities, it does not cover routine teeth cleaning, vision tests, hearing tests and similar procedures. There are some Medicare Advantage plans, however, that provide preventive coverage for dental, vision and hearing, but those under an original Medicare plan must find other - [End Childhood Hunger with Brenden's Friday Backpack](https://hovisandassociates.com/end-childhood-hunger-with-brendens-friday-backpack/) - The team at Hovis & Associates is proud to announce that we have partnered with Brenden's Friday Backpack for the 2015 season. This amazing charity has been helping feed children in our community since 2011 and now reaches more than 850 children in 11 school districts in the local area. The Fight to End Childhood - [The Do's and Don'ts of Compliance for Insurance Agents](https://hovisandassociates.com/the-dos-and-donts-of-compliance-for-insurance-agents/) - At Hovis & Associates, continued education for our insurance agents and financial advisers is something that greatly benefits all of our clients. We pride ourselves on following best practices in the insurance community and want to make sure our clients are getting the best care available. As health insurance and Medicare agents, following AEP compliance - [Medicare Advantage Plans You Need to Know About](https://hovisandassociates.com/medicare-advantage-plans-you-need-to-know-about/) - Medicare clients have the option of receiving their benefits through Original Medicare, Original Medicare and a a Medicare Supplement, or a Medicare Advantage Plan. Under Original Medicare, your benefits would be partially paid for by the federal government. 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[Join Our Team](https://hovisandassociates.com/join-our-team/) - [et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” admin_label=”section” module_id=”job-page” _builder_version=”4.16″ custom_padding_tablet=”50px|0|50px|0″ custom_padding_phone=”” transparent_background=”off” padding_mobile=”off” global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][/et_pb_text][et_pb_text disabled_on=”off|off|off” admin_label=”Position” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left” border_style=”solid” global_colors_info=”{}”]Financial Services ManagerHovis & AssociatesFestus, MO About Hovis & Associates, an Integrity Company Hovis & Associates is a long-standing, family-run business founded - 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Hovis, MBA: President David joined Hovis & Associates in - [Agent Services](https://hovisandassociates.com/agent-services/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_fullwidth_slider _builder_version=”4.16″ background_position=”top_left” custom_padding=”|||” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” button_two_text_color__hover_enabled=”off” button_two_text_color__hover=”null” button_border_width__hover_enabled=”off” button_border_width__hover=”null” button_one_border_width__hover_enabled=”off” button_one_border_width__hover=”null” button_two_border_width__hover_enabled=”off” button_two_border_width__hover=”null” button_border_color__hover_enabled=”off” button_border_color__hover=”null” button_one_border_color__hover_enabled=”off” button_one_border_color__hover=”null” button_two_border_color__hover_enabled=”off” button_two_border_color__hover=”null” button_border_radius__hover_enabled=”off” button_border_radius__hover=”null” button_one_border_radius__hover_enabled=”off” button_one_border_radius__hover=”null” button_two_border_radius__hover_enabled=”off” button_two_border_radius__hover=”null” button_letter_spacing__hover_enabled=”on” button_letter_spacing__hover=”0″ button_one_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover=”null” button_two_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover=”null” button_bg_color__hover_enabled=”off” button_bg_color__hover=”null” button_one_bg_color__hover_enabled=”off” button_one_bg_color__hover=”null” button_two_bg_color__hover_enabled=”off” button_two_bg_color__hover=”null”][et_pb_slide use_bg_overlay=”off” use_text_overlay=”on” text_overlay_color=”rgba(0,0,0,0.8)” _builder_version=”4.16″ - 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[Community Involvement](https://hovisandassociates.com/community-involvement/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row column_structure=”3_4,1_4″ admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”3_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” module_alignment=”center” global_colors_info=”{}”] ALS Ice Bucket Challenge[/et_pb_text][et_pb_text _builder_version=”4.18.0″ text_font=”||||||||” link_font=”|700|||||||” header_2_text_color=”#ffffff” background_color=”#efece4″ custom_padding=”30px|10px|20px|10px” custom_padding_tablet=”20px|10px|10px|10px” custom_padding_phone=”10px|10px|10px|10px” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”] A Safe Place Domestic Violence Shelter Alzheimer’s Association AMVETS-De Soto Boy Scout Troop #561 – Annual BBQ - 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Gannon Dr., #240Festus, MO 63028(636) 937-4343[/et_pb_text][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.20.2″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” module_alignment=”left” use_border_color=”off” - [Still Working and Medicare Eligible Transcript](https://hovisandassociates.com/still-working-and-medicare-eligible-transcript/) - Thanks for joining Hovis & Associates, for Part 1 of a 2-part series on working past Medicare eligibility. Here are the mostly commonly asked questions from clients. Do I need to do anything if I’m still working? “Do I need to anything?” sounds like a strange question, but actually a lot of people who work - [Working Past Medicare Eligibility Transcript](https://hovisandassociates.com/working-past-medicare-eligibility-transcript/) - Thanks for joining Hovis & Associates for Part 2 of a 2-part series on working past Medicare eligibility. Here are the mostly commonly asked questions from clients. Does my employer have retiree options? Most employers do not offer retiree coverage these days, but to really analyze your situation and see if you need to stay - [Interpreting Medicare Transcript](https://hovisandassociates.com/medicare-consulting/interpreting-medicare/) - Hovis & Associates, this is Lacey. How can I help you? Oh, hi Mr. Willis. How are you today? That’s great! You’re retiring in August, and you need some help navigating Medicare? First, have you went on to SSA.gov or call the SS (Social Security) office to sign up for Medicare, or do you have - [Moving on Medicare Transcript](https://hovisandassociates.com/medicare-consulting/moving-on-medicare/) - Hi, I am Kevin Hovis with Hovis & Associates. What happens to your Medicare plan if you move? Life happens, maybe you get a new job, you decide to retire, or you move closer to family. Whatever the reason, here are some tips to help you navigate moving while on Medicare. Medicare Part A and - [SS – Drawing at 70 Transcript](https://hovisandassociates.com/medicare-consulting/ss-drawing-at-70-transcript/) - Check out our video on why planning for a long retirement and delaying your Social Security benefit until age 70 go hand in hand. #WeAreHovis #PlanWithHovis - [SS – Drawing at FRA Transcript](https://hovisandassociates.com/agent-services/drawing-fra-transcript/) - With the tax deadline quickly approaching, many people are scrambling to make a 2020 IRA contribution into a Roth or traditional IRA. Before this deadline passes by, make sure you understand the differences between these two types of IRA accounts. - [Transcript for SS Drawing Early](https://hovisandassociates.com/blog-videos/transcript-for-ss-drawing-early/) - Hi, I’m David Hovis, financial advisor at Hovis & Associates. This video is the first in a series about Social Security. Today, I’ll discuss claiming your Social Security benefit early and the earnings limits if you are under Full Retirement Age. To start, I want to define what Full Retirement Age or FRA means. 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Before this deadline passes by, make sure you understand the differences between these two types of IRA accounts. - [Medicare Sign Up Transcript](https://hovisandassociates.com/blog-videos/medicare-sign-up-transcript/) - Hi, I’m Samantha Grossbauer and Welcome to KHOV5. In today’s news we will discuss Social Security and Medicare. Did you know that there are 10,000 people turning 65 every day not including those who work past age 65 and choose to retire later? If this is you, I am sure you have noticed the hundreds of Medicare commercials on - [Beneficiary Video Transcript](https://hovisandassociates.com/blog-videos/beneficiary-video/) - Naming beneficiaries is an important step in estate planning. Listen to our video so you avoid the mistakes others have made. - [Social Security Maximization Script](https://hovisandassociates.com/blog-videos/social-security-maximization-script/) - To maximize your Social Security benefit, know your options and the claiming rules. - [Create Your Own Pension Transcript](https://hovisandassociates.com/blog-videos/create-your-own-pension-transcript/) - Hello again. I’m David Hovis, financial advisor at Hovis & Associates. Today I want to talk about retirement income. Have you ever noticed that people with pensions often tend to be the happiest retirees? I call this the sleep well at night factor. They can sleep well knowing that regardless of what their investments do - [Envisioning Your Ideal Retirement Transcript](https://hovisandassociates.com/blog-videos/envisioning-your-ideal-retirement-transcript/) - Hi, this is David Hovis, financial advisor at Hovis & Associates, here to talk about retirement, or more specifically, what your retirement might look like. Have you ever stopped and given this much thought? I’ve seen many people work very hard throughout their careers saving for retirement, dreaming of that day when you no longer - [Long Term Care Transcript](https://hovisandassociates.com/agent-services/long-term-care-transcript/) - Hello again. I’m David Hovis, financial advisor at Hovis & Associates. The topic I want to discuss today is a heavy one: Long Term Care. Did you know that 70% of 65+ year-olds will require some type of Long Term Care during their lifetime? And the average nursing home stay ends up costing between $225,000 - [Why Hovis Video Transcription](https://hovisandassociates.com/agent-services/why-hovis-video-transcription/) - I’m Kevin Hovis with Hovis & Associates, where we make the complicated simple. We focus on Medicare Consulting and Financial Services. Are you disappointed in your Medicare upline? Have they over promised and under delivered? Have you not received the service you expected? Well, at Hovis & Associates service is what sets us apart. We - [5 RMD Rules Transcript](https://hovisandassociates.com/blog-videos/5-rmd-rules-transcript/) - Hi, this is David Hovis, financial advisor with Hovis & Associates, and I’m here to talk to you today about Required Minimum Distributions, or RMDs. RMDs are required distributions you have to take from retirement account like 401ks and IRAs, however they don’t apply to Roth IRAs. So, there are 5 things you should know about RMDs. The first is at what age do you have to take - [Ready to Sell Winners Transcript](https://hovisandassociates.com/agent-services/ready-to-sell-winners-transcript/) - This just in, Hovis & Associates’ Agents are completing their certifications at a record pace. For more on this story, let’s turn to Lacey Robertson in the newsroom. Thank you, Kevin. In the early part of July, detailed step-by-step instructions were released to our agents. In just 3 short weeks, most of our agents have completed all available certifications. 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