Independent Retirement Group

THE PILLAR OF YOUR RETIREMENT Visit our site: independentretirementgroup.com Visit our Partner site: inpowerinvestments.com

Mission: Through integrity driven, values-based, holistic planning we ensure our clients and agents alike can have confidence in their financial independence. By offering a wide array of time-tested companies IRG delivers competitive insurance and retirement plans to realize your dreams while providing life-long trusted relationships, superior customer service and solutions with your goals in mind.

kiplinger.com

What Could the CARES Act Do for You?

Inpower Investments featured in Kiplinger:

kiplinger.com Check out the basic protections and benefits offered by the Coronavirus Aid, Relief, and Economic Security Act to see if you might qualify.

spark.adobe.com

My Graphic

spark.adobe.com See the graphic

khn.org

Federal Judge Rules Medicare Patients Can Challenge ‘Observation Care’ Status

https://khn.org/news/federal-judge-rules-medicare-patients-can-challenge-observation-care-status/

khn.org Hundreds of thousands of people will be able to appeal hospitals’ decisions to classify them as “observation care” patients instead of inpatients, under a ruling last week in a class action suit.…

cms.gov

CMS finalizes decision to cover Acupuncture for Chronic Low Back Pain for Medicare beneficiaries | CMS

CMS Approves Accupuncture! CMS now requires Medicare to cover Acupuncture for chronic low back pain. All Medicare Advantage plans also now cover Acupuncture for chronic low back pain. Medicare has a strict criteria for it, and unfortunately your outline of coverage will not show this as it was added after plans went into effect for 2020. Below is the press release regarding the announcement.

Medicare Part B (Medical Insurance) covers up to 12 acupuncture visits in 90 days for chronic low back pain. Chronic low back pain is defined as:

· Lasting 12 weeks or longer

· Having no identifiable systemic cause (not associated with metastatic, inflammatory, or infectious disease)

· Pain that’s not associated with surgery or pregnancy

An additional 8 sessions will be covered if you show improvement. No more than 20 acupuncture treatments can be given yearly. If your chronic low back pain isn’t improving or is getting worse, then treatments won’t be covered.

cms.gov Decision adds new access to acupuncture for Medicare beneficiaries as a potential pain treatment alternative to opioid use

cdc.gov

Independent Retirement Group

Hello Friends,

Please review the following article from Vicki Wartman, RN who recently joined our staff as Client and Community Relations Director. We understand that you are inundated with information regarding the pandemic yet wanted you to hear from us as trusted Advisors. We are committed to helping in any way we can to support our clients and our communities.

We remain steadfast in our monitoring of your assets, holdings and policies. Those of you with assets under management have received check in phone calls, text and/or email updates as well as scheduled phone appointments to discuss your investments.

As always, we stay true to our holistic planning process and in times like these we are privileged to say that our clients may not be as negatively impacted as opposed to others. With our WealthGuard® precautions and utilization of fixed contracts, we do not time the markets but urge our clients to have a healthy above the line (Red/At Risk/Paper Asset) and below the line (Green/Additional Safety/Real Wealth) ratio.

Please bear with us as we attempt to return all phone calls and plan to do so within a 24-hour period as some of our staff will be working from home during this time. We will also proactively take any future precautions to keep our staff and clients safe.

Max Verkuilen, CLTC President, Independent Retirement Group

Leslie Verkuilen, CLTC President, InPower Investments & Wealth Strategies



The Coronavirus (COVID-19) is Here

As a Registered Nurse, I have been advised by physician colleagues to share what we know to be best practices to try and contain the virus as best we can.

How did we get here? It is believed that this was a virus found in animals in China that made a “species jump” to humans, similar to what we have seen with other viruses in the past. The thing to remember here is that, as far as we know, no human has developed antibodies in their immune system to fight this disease as it is new to the human species. Hence, the high infection rates. Since travel has become the lifestyle in most parts of the world, this is how the disease is spreading to all parts of the planet.

Current numbers suggest that approximately 80% of the people who come down with the virus will experience mild to moderate symptoms and recover fully without any problem. It’s the other 20% we are trying desperately to protect from this virus.

For people at high risk, COVID-19 can cause them to develop ARDS (Acute Respiratory Distress Syndrome) which can result in a life-threatening inability to breathe and properly exchange gases in their lungs. Many of those may require a respirator and a hospital bed in a critical care unit. That is the problem. If too many develop severe illness at one time, we do not have enough hospital beds, respirators or medical personnel to care for all of these patients at the same time. You can see this happening in places like Italy currently. If we are filling up our emergency rooms and hospitals with COVID-19 patients, where do we treat the heart attack, stroke, and those needing emergency surgeries? This is what we are trying to prevent by asking you to limit your contact with the outside world to try to “slow the curve” of this disease spread. This is the reason the CDC is asking us all to limit our contact with others to prevent spreading the disease to these 20% at high risk.

What are the symptoms? Symptoms are typically showing up approximately four days after contracting the virus. Fever over 99.6 degrees Fahrenheit, cough and sore throat. If you experience these symptoms, CALL YOUR DOCTOR FOR FURTHER INSTRUCTIONS!! If you are having chest pain, difficulty breathing, etc. get to the nearest emergency room or call 911.

How is this transmitted? Through personal contact, touch. It is mostly airborne which means just breathing can expose you to the virus in the air. Picture the sun shining brightly into your living room window. Do you see all those particles floating in the air? That is how the virus would look if you could see it. I do, however, recommend you continue to breathe, as not breathing will also cause a bad outcome (a little humor).

Who is at risk? Everyone. As stated above, most of us will be fine if we contract the virus. Those at higher risk are 1) the elderly (anyone over 60); and 2) those people with underlying health conditions such as cancer, kidney disease, asthma, COPD, heart disease, hypertension, diabetes, weakened immune systems, to name a few. You know who you are!

What can you do? If you are in the high- risk group, STAY HOME AS MUCH AS POSSIBLE TO LIMIT CONTACT WITH PEOPLE WHO MAY BE CARRYING THE VIRUS (they may be asymptomatic and not even know they have it).

Wash your hands, frequently and for at least 20 seconds of soaping and washing, then rinse in addition to the 20 seconds. A good way to time it is to sing Happy Birthday to yourself, twice. Do NOT touch the faucet after you have washed and rinsed without using a paper towel or some type of barrier because you will recontaminate your hands!

Use hand sanitizer when soap and running water are not readily available. Must be at least 60% alcohol to be effective.

If you must go out, take sanitizing wipes with you and use on shopping carts, doorknobs, to pull out chairs, elevator buttons; basically, anything you touch. We are still unclear about how long this virus lives on objects.

If you are out in a public place, try to stay six to ten feet away from others. No handshaking or fist bumping. Maybe for now just a smile or small wave will have to do to greet others.

Let’s save the masks and gloves for those who are in great need and for the brave medical providers who are caring for the ill in hospitals, nursing homes, assisted living facilities, etc.

If you know of someone who may be in the 20% most vulnerable group, reach out to them to see if you can help with errands or grocery shopping or maybe just to visit on the phone for a minute or two to prevent them feeing too isolated during this time.

If we all do what we are asked, maybe we can stem the spread somewhat, but it is here, and we must do the best we can to get through this. This is something new for most of us. Please don’t panic, just use common sense and please refer to the guidance from the CDC (Center for Disease Control). Do not believe everything you see on the internet. There is a lot of false information out there, don’t fall victim to the hype or any scams that are popping up. Please get your information from reliable sources:



Your Local or State Department of Health --- or---

www.CDC.gov

Remember: If you are among the 80%, it’s not about you—it's about them (the 20%).

This is a YouTube video I found to be very informative:

https://www.youtube.com/watch?v=cZFhjMQrVts



Sincerely,

Vicki Wartman, RN

Client & Community Relations Director

InPower Investments & Wealth Strategies and Independent Retirement Group

1760 American Dr.

Neenah, WI 54956

920.882.1819

www.inpowerinvestments.com

www.independentretirementgroup.com

These are recommendations from local, state and national health agencies. This information is not intended to replace medical advice from your doctor. Please contact your health care provider with any questions or symptoms you may have. Independent Retirement Group and InPower Investments & Wealth Strategies do not offer medical advice.



Advisory services through Retirement Wealth Advisors, Inc. (RWA), an SEC Registered Investment Advisor. InPower Investments & Wealth Strategies and RWA are not affiliated. This Email is being sent by or on behalf of a Registered Investment Advisor. It is intended exclusively for the individual or entity to which it is addressed. This communication may contain information that is proprietary, privileged, or confidential, or otherwise legally exempt from disclosure. If you are not the named addressee, you are not authorized to read, print, retain, copy or disseminate the Email or any part of it. If you have received this Email in error, please notify the sender immediately by Email or fax, and destroy all copies of this communication. Please be advised that you may conduct securities transactions only by speaking directly with your Investment Advisor Representative either by phone or in person. Requests for securities transactions via email will not be executed by Retirement Wealth Advisors, Inc. To help protect your privacy, we strongly suggest you avoid sending sensitive information, such as account numbers and social security numbers via Email. Please be further advised that, pursuant to the Bank Secrecy Act, the USA PATRIOT ACT, and similar laws, any communication in this email is subject to regulatory, supervisory, and law enforcement review.





Investment Advisory Services offered through Retirement Wealth Advisors, Inc. (RWA) an SEC Registered Investment Advisor. InPower Investments & Wealth Strategies and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

cdc.gov

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Annual Awards Banquet

Annual Awards Banquet

Meet The Team

We are excited to serve and grow!

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formulafolios.com

Virus Fears Persist - FormulaFolios

https://formulafolios.com/virus-fears-persist/?fbclid=IwAR0QJ26sFrmJvlEXVpzgi-gkQBm2XbWNVK8B4ZRCxHaQ4Drw1QEm5uozvvk

formulafolios.com Markets paused somewhat this week as investors responded to the evolving Coronavirus situation. Utilities led the S&P sectors this week with considerable gains, finishing ahead of consumer staples and healthcare to round out the strongest sectors. Markets have turned fearful concerning developments....

Honored to celebrate with our Wisconsin team last night. These individuals put heart and soul into the planning they do for their clients. Congratulations on the impact you are making!

wsj.com

Planning to Leave an IRA to the Grandkids? Not So Fast.

https://www.wsj.com/articles/planning-to-leave-an-ira-to-the-grandkids-not-so-fast-11569576614

wsj.com Congress aims to curtail Stretch IRAs, which pass on decades of tax-free growth to young heirs; ‘the government is breaking its promise to me.’

[01/15/15]   I attended a Lunch today regarding "Digital Marketing" and something they mentioned about Facebook was to engage your following instead of just posting information, with that being said, is there anything you folks in Facebook world would like to know, talk about or see more information about on our page? We trully love what we do and enjoy talking about it!

kiplinger.com

The Most Overlooked Tax Deductions-Kiplinger

http://www.kiplinger.com/slideshow/taxes/T054-S001-the-most-overlooked-tax-deductions-slide-show/index.html

kiplinger.com Here are 24 IRS-approved tax deductions you can't afford to miss out on.

finance.yahoo.com

5 secrets to a happy retirement

Some Tips on a Happier Retirement (It's Not all about $$)
http://finance.yahoo.com/news/5-secrets-to-a-happy-retirement-150212406.html

finance.yahoo.com Sure, a fat nest egg and good health help. But there are less obvious ways to make sure your post-work life is a happy one.

wallstcheatsheet.com

3 Hard Retirement Truths Facing Baby Boomers

http://wallstcheatsheet.com/personal-finance/3-hard-retirement-truths-facing-baby-boomers.html/?ref=YF

wallstcheatsheet.com America’s retirement landscape is constantly changing as workers adapt to a new financial environment.

fool.com

The Average American Has This Much Saved in a 401(k) -- How Do You Compare?

See how you stack up against the national average, are you ok with the results?... If not, We can Help!!...
http://www.fool.com/investing/general/2015/01/05/the-average-american-has-this-much-saved-in-a-401k.aspx

fool.com By breaking out the numbers for age and income, we get a much clearer picture. - Brian Stoffel - Investment planning

[12/25/14]   The Independent Advisors Team would like to wish a Very Happy and Safe Holiday Season from our Families to Yours!!...

finance.yahoo.com

Figuring the tax bill on Social Security benefits

http://finance.yahoo.com/news/figuring-tax-bill-social-security-182240726.html

finance.yahoo.com If you know the formula for taxing benefits, you may be able to reduce what you pay.

[12/05/14]   Todays focus is "Supplemental Insurance" With the super high deductibles and co-insurance we are seeing these days it only makes sense to fill the gaps in your plans with a very affordable supplement to help take care of things like deducts, copays, etc... also to help supplement your income if sick/hurt and unable to work. shoot us a call or PM to find out more...
North Branch 715-524-4677

lifehappens.org

Calculate Your Needs | Life Happens

Great way to Calculate your needs...

lifehappens.org

finance.yahoo.com

How to cut your single biggest expense in retirement

http://finance.yahoo.com/news/how-to-cut-your-single-biggest-expense-in-retirement-182531446.html

finance.yahoo.com Here's how to make sure your home serves your needs as you age.

wallstcheatsheet.com

The 6 Biggest Mistakes People Make When Saving for Retirement

http://wallstcheatsheet.com/personal-finance/the-6-biggest-mistakes-people-make-when-saving-for-retirement.html/?ref=YF

wallstcheatsheet.com Here are the biggest mistakes Americans make when saving for retirement.

finance.yahoo.com

3 ways to calculate your retirement number

http://finance.yahoo.com/news/3-ways-calculate-retirement-number-152546278.html

finance.yahoo.com This question is being asked by millions of retirement savers. Here are three methods for calculating your retirement number, along with some helpful tools for each method. Charles Farrell, author of "Your Money Ratios: 8 Simple Tools for Financial Security at Every Stage of Life", recommends saving…

[10/28/14]   Looking for a Quick quote for Short Term Medical or Dental, Check it out...
http://ChadB.mymedicalquotes.com

5 Social Security changes coming in 2015

http://finance.yahoo.com/news/5-social-security-changes-coming-141022186.html

finance.yahoo.com Social Security recipients will receive 1.7 percent bigger checks in 2015, the Social Security Administration announced today. Here's a look at the new Social Security benefits, taxes and services workers and retirees will experience in 2015: Social Security payments are automatically adjusted each…

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1760 American Drive
Neenah, WI
54956

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