Planning for retirement often comes with two big questions:
- How will I handle health coverage when I leave an employer plan?
- How can I protect my family if the unexpected happens?
To help answer both, Triple Crown Financial is hosting a Medicare & Life Insurance 101 Seminar and Webinar designed to be clear, practical, and easy to follow.
Register here:https://www.triplecrownfin.com/events
Tuesday, August 25
- 12:30 PM — In Person (Louisville)
- 6:30 PM — Online (Zoom Webinar)
Below is a quick introduction to our guest speakers and what you can expect.
Medicare 101: Featuring Tim Klein (Covington Agency)
We’re excited to welcome Tim Klein, Vice President of Sales at Covington Agency, who will guide attendees through the “ins and outs” of Medicare.
Medicare decisions can feel deceptively simple at first—until you start encountering enrollment windows, plan types, and cost differences that may affect your budget for years. Tim will break down the basics in plain language so you can feel more confident about the decisions ahead.
What you’ll learn in the Medicare portion
When and how to enroll in Medicare
Timing matters. Enrolling too early or too late can create gaps in coverage—or trigger penalties in some cases. We’ll cover the key enrollment windows and how to prepare.
The differences between Medicare Parts A, B, C, and D
Parts A and B are often described as “Original Medicare,” while Part C (Medicare Advantage) and Part D (prescription drug coverage) bring additional choices and tradeoffs. Understanding the building blocks is the first step toward making a wise selection.
What Medicare covers—and what it doesn’t
Medicare can be an essential foundation for healthcare coverage, but it’s not designed to cover everything. Understanding what’s included (and what may require additional coverage or out-of-pocket planning) can help reduce surprises.
How to avoid late enrollment penalties
Some Medicare-related penalties can follow you for years. Tim will explain what triggers them and how to reduce the risk of an avoidable (and frustrating) extra cost.
Medicare Advantage vs. Medicare Supplement plans
This is one of the biggest decision points for many retirees and pre-retirees. The session will compare how these options tend to work, including considerations like provider networks, premiums, and out-of-pocket structure.
Live Q&A
Bring your questions. This is a great opportunity to ask about real-life scenarios—especially if you’re approaching age 65, retiring soon, or transitioning from an employer plan.
Life Insurance 101: Featuring Brittany Miller Edelen and John Stogner (Triple Crown Financial)
In the second half of our event, Brittany Miller Edelen, CSSCS, and John Stogner, Co-Founding Advisors of Triple Crown Financial, will discuss how life insurance can support a well-built long-term financial strategy.
Life insurance is often thought of as a “young family” topic—but in reality, it can matter at many stages of life. Whether you’re protecting children, supporting a spouse, helping cover final expenses, or planning a legacy, the right type and amount of coverage can play an important role.
Key takeaways from the life insurance portion
Provides peace of mind for you and your loved ones
For many families, life insurance helps protect the household plan if a paycheck disappears unexpectedly. For others, it can help reduce the burden on surviving family members during a difficult time.
Life insurance can apply to individuals, families, and long-term planning
This session will explore how coverage needs may change across life stages:
- Pre-retirees (roughly ages 50–65): You may be balancing mortgage payoff goals, college support, and retirement savings—while also thinking about healthcare and income transition.
- New retirees (mid-60s to early 70s): Planning often shifts toward income distribution, Social Security decisions, and protecting a spouse’s lifestyle.
- Established retirees: Coverage discussions may focus more on legacy planning, family support, charitable intentions, or managing potential end-of-life costs.
This educational overview is designed to help you understand the “why” behind life insurance planning and the questions worth considering as part of a broader financial strategy.
Who should attend?
This event is a good fit if:
- You’re turning 65 soon (or already have) and want to understand what Medicare decisions are ahead
- You’re planning to retire within the next few years and want to coordinate health coverage with your retirement timeline
- You want a clearer picture of how life insurance fits into real-world planning, not just theory
- You prefer an educational session with time for live questions
How to prepare (so you get the most value)
A few simple steps can help you walk away with more clarity:
- Write down your timeline. When do you plan to retire? When do you turn 65? Are you leaving employer coverage?
- List your main concerns. Premium costs? Prescription coverage? Travel? Protecting a spouse?
- Bring your questions. The Q&A portion is often where attendees get the most practical clarity.
Register today
We’d love to have you join us—either in person (Louisville) or online via Zoom webinar.
Register here:https://www.triplecrownfin.com/events
Tuesday, August 25 | 12:30 PM (In Person) or 6:30 PM (Online)
This event is for educational purposes only and is not individualized insurance or investment advice. Coverage options, costs, and eligibility vary by person and location.