Jeff Spainhour Insurance

Agent with Transamerica Financial Advisors, Inc. and Wealthwave.

Transamerica Financial Advisors, Inc. Transamerica Financial Group Division. Financial professionals may only transact business in states where they are registered. Any individual communication trying to effect a transaction in securities or the rendering of personalized investment advice for compensation will not be made to persons in states where the financial professional is not registered. Securities and Investment Advisory Services offered through Transamerica Financial Advisors, Inc. (TFA), Member FINRA www.finra.org, SIPC www.sipc.org, and Registered Investment Advisor. Non-Securities products and services are not offered through TFA. TFG004068-07/14

Would you be interested in a financial strategy that could help you be better prepared to pay for an unexpected car repair, medical bill or other emergency expense? Then I encourage you to get a World Financial Group site.

Find out why it matters: https://www.worldfinancialgroup.com/learn-6steps

Although there’s no real way to prevent financial emergencies, we can prepare for them.

vrsws.sos.ky.gov

Home Page - Kentucky State Board of Elections

Not being political here, but you have to register online to vote this year by May 26th. The rules have changed!!

vrsws.sos.ky.gov Your application may be subject to public inspection or copying pursuant to the Kentucky Open Records Act, KRS 61.870 to 61.884, and KRS 116.095. However, your electronic mail address and social security number are exempt from disclosure.

The sixth step to financial independence is preserving wealth. With this last step, you can prepare for the future. Find out why it matters: https://www.worldfinancialgroup.com/learn-6steps

Contact me for more information.

#WFGFLM2020

You’re not really financially independent unless you’ve protected against loss of income and secured your family’s assets. Explore the importance of life insurance in our six-steps to #financialindependence

https://www.worldfinancialgroup.com/learn-6steps#3Step

So, how do you get the cash flow you need to help you meet your savings goals?

You may find just the answer on our World Financial Group website. Please head over there and watch the video to learn about the Six Steps to Financial Independence. Step 3 provides insight and tips you can use to build your cash reserves. https://www.worldfinancialgroup.com/learn-6steps

When you understand the importance of cash flow and how to build it into your day-to-day life, you’ll find there’s a lot you can do to make your path to Financial Independence a success.

Contact me and let’s get started on some positive steps toward a more sound financial future..

Do you feel overwhelmed by credit card debt? It’s good to have a plan for how to pay it down. Check out our Six Steps to Financial Independence for strategies that may work for you:

https://www.worldfinancialgroup.com/learn-6steps.

#WFGFLM2020

Now is a great time for a money makeover! Check out our Six Steps to Financial Independence — think of them as your tool kit for clearing up your money challenges. Click here for more: https://www.worldfinancialgroup.com/learn-6steps

#WFGFLM2020

Have you lost your job and benefits? You qualify for a special enrollment period! Start here for insurance: https://jspainhour.insxcloud.com. Call 502-727-5671 to discuss your options with an experienced local agent.

This includes health, life, dental, vision, home and auto insurances.

During these uncertain times, I want you to know that I’m here for you. While I may be working remotely, I’m never more than a phone call or an email away. If you have any questions or concerns, please don’t hesitate to reach out to me at 1 (502) 727-5671 or [email protected].

In the meantime, here’s some information that I think you might find helpful. I’ll be in touch soon to help you with your questions during these challenging times.

COVID-19 Guidelines
Market Performance: Through Sickness & Health

Please stay safe and healthy, and we’ll talk soon.

Stay Well

Do you need a Dental and Vision Plan?

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Don't lapse your insurance policies due to COVID-19 or being furloughed? Start here for health insurance: https://jspainhour.insxcloud.com. Call 502-727-5671 to discuss your options with an experienced local agent.

Want to reduce your monthly health insurance costs? Discuss your options with an experienced local agent. Call 502-727-5671

Having fun at our convention in Las Vegas tonight!

nytimes.com

It Looks Like Health Insurance, but It’s Not. ‘Just Trust God,’ Buyers Are Told.

I have warned people about these programs for years, as they are NOT insurance products approved by the Department of Insurance.

nytimes.com Some state regulators are scrutinizing nonprofit Christian cost-sharing ministries that enroll Americans struggling to pay for medical care, but aren’t legally bound to cover their members’ claims.

foxnews.com

Federal appeals court strikes down ObamaCare law, setting up Supreme Court showdown

foxnews.com A federal appeals court upheld a lower court’s ruling a key aspect of the ObamaCare law is unconstitutional-- setting up another likely Supreme Court showdown in a presidential election year.

LAST CALL! The Open Enrollment Period (OEP) for individual health insurance through the Federal Marketplace is from Nov 1st - Dec 15th! I am here to assist you with your applications and plan choices.

Also available on my link is short term medical, limited medical, dental, vision, and accident plans.

Click on the link to begin the application process for KY, IN, and OH residents: https://jspainhour.insxcloud.com

Jeff Spainhour 502-727-5671
Local authorized agent

Happy Thanksgiving!

wdrb.com

Audit finds pension system for Kentucky teachers now on more solid ground

Finally positive news about the state pension system!

wdrb.com In recent years, Gov. Matt Bevin and the GOP-led legislature committed to full pension funding.

The Open Enrollment Period (OEP) for individual health insurance through the Federal Marketplace is from Nov 1st - Dec 15th! I am here to assist you with your applications and plan choices.

Also available on my link is short term medical, limited medical, dental, vision, and accident plans.

Click on the link to begin the application process for KY, IN, and OH residents: https://jspainhour.insxcloud.com

Jeff Spainhour 502-727-5671
Local authorized agent

usatoday.com

Medicare Part B premium 2020: Rates and deductibles rising 7% for outpatient care

Medicare is raising their premiums again!

usatoday.com Medicare Part B premiums and deductibles are increasing 7% in 2020, which is a $9.10 monthly increase for 70% of Medicare beneficiaries.

The Open Enrollment Period (OEP) for individual health insurance through the Federal Marketplace is from Nov 1st - Dec 15th! I am here to assist you with your applications and plan choices.

Also available on my link is short term medical, limited medical, dental, vision, and accident plans.

Click on the link to begin the application process for KY, IN, and OH residents: https://jspainhour.insxcloud.com

Jeff Spainhour 502-727-5671
Local authorized agent

msn.com

Bevin work plan for Medicaid goes before federal appeals panel

Things are heating up now!

msn.com A federal appeals court will hear arguments in a case to decide whether Kentucky and other states can enact sweeping changes to Medicaid.

wdrb.com

GE freezes pensions for 20K workers in bid to trim debt pile

Yet another reason why people need professional help with their retirement plans.

wdrb.com NEW YORK (AP) — General Electric is freezing the pension plans of about 20,000 of its workers and offering pension buyouts to 100,000 former employees as it attempts to reduce

Shouldn’t your retirement strategy be able balance your needs too – like protecting against market loss and income loss while helping you grow your savings?

Check out my website https://howmoneyworks.com/jeffspainhour or call me at 502-727-5671.

How late are you planning to retire? Find out where you stand in your retirement planning.

Check out my website https://howmoneyworks.com/jeffspainhour or call me at 502-727-5671.

We have a lot to talk about!

Here is what I put up with on a daily basis from my customer's. Attacked by the guard dog. Good times ahead! ;)

courier-journal.com

Ruling is big setback to Centerstone's move to escape pension obligations

The court's are HOT on the pension plan and getting agencies to pay up now!! Worth your read.

courier-journal.com The Kentucky Supreme Court ruling is a major blow to Centerstone's effort to escape pension costs through bankruptcy.

I can't believe September is already here!

Keep life insurance at the top of your mind during Life Insurance Awareness Month. Read more about updating your policy: http://bit.ly/34mVKBa

courier-journal.com

Audit: Kentucky pension funds fall 'drastically short' in meeting transparency law

More information from the state's pension crisis!

courier-journal.com Kentucky's big public pension systems fall "drastically short" of complying with a two-year-old transparency law, a state audit has found.

courier-journal.com

Here are 6 things you must teach your children about money

Our company is coming out with an easy to read and understand book on How Money Works! Even my teenager can understand it. Stay Tuned for the official launch.

Check out my website https://howmoneyworks.com/jeffspainhour or call me at 502-727-5671.

courier-journal.com Don't wait until your kids are in high school to teach them about money. Children often develop their financial behaviors as early as age 7

youtube.com

Life – IUL/Supplemental Income

Watch this great video on increasing your retirement income.

Check out my website https://howmoneyworks.com/jeffspainhour or call me at 502-727-5671.

This video discusses how a client can elevate their retirement income with a life insurance policy from Nationwide. Not only does life insurance provide an i...

The time to start building your own retirement plan is now! Discover how Transamerica Financial Advisors can help you prepare for retirement with a strategy you can count on.

Check out my website https://howmoneyworks.com/jeffspainhour or call me at 502-727-5671.

courier-journal.com

Thousands of Kentuckians could lose food stamps under Trump plan to tighten SNAP rules

courier-journal.com U.S. Department of Agriculture wants to end categorical eligibility for up to 3.1 million households that receive SNAP benefits

[07/27/19]   PRESS RELEASE ON THE PENSION RELIEF BILL



Commonwealth of Kentucky
Office of Senator Ernie Harris



For Immediate Release

July 26, 2019
Contact: Morgan P’Pool

[email protected]

SENATOR ERNIE HARRIS’ LEGISLATIVE UPDATE

The anticipated special session to tackle public pensions has come to a close, and the General Assembly has passed a new plan to provide relief for over 100 quasi-governmental agencies—including local health departments, regional universities, domestic violence shelters, mental health providers, and others.

Everyone can agree that Kentucky has a real pension problem. Prior to this five-day session, quasi-governmental agencies allowed into the Kentucky Employees Retirement System (KERS), were facing dramatically high pension costs.

These agencies provide critical services to citizens across our commonwealth. While inaction is never an option, the legislature went to work to construct a plan that will help place these public employees on the path to fiscal soundness.

The new plan, officially passed as House Bill 1, is a legislative attempt to get a handle on the statewide pension crisis. HB 1 extends a one-year freeze to increases in the required employer contribution rate providing flexibility to those quasi-governmental agencies by allowing time to decide which option best meets the needs of its organization. Starting April 1, 2020, each agency will opt in to one of the five alternatives:

Stay in the KERS plan
Keep Tier 1 and Tier 2 employees in the system only
Provide a lump sum payment to exit the system
Pay with installments to exit the system
Fully exit with all accrued benefits guaranteed

Final selection is not required by each entity until April 30, 2020, which allows the legislature time to make any necessary changes during the 2020 Regular Session.


To clarify, this legislation protects the KERS nonhazardous plan and does not further contribute to the underfunding of the pension system. Furthermore, no current benefit structure is changed, and any benefits already earned by employees will be not be affected. Moreover, HB 1 does not affect current retirees.


HB 1 was approved by a 27-11 vote in the Senate after passing by a vote of 52-46 in the House. The legislation went into immediate effect upon Governor Bevin’s signature Wednesday afternoon.

Dave Eager, executive director of KERS, spoke in support of the bill.


“Compared to the current statues, HB 1 allows the 118 quasi agencies three more options to exit the KERS Nonhazardous system. And it is estimated that their collective costs to exit will be over $800 million less than current provisions.”

Our state’s pension crisis is real, and we simply cannot afford to kick the can down the road. While there has been a history of secrecy and mismanagement by past pension administrators and their investment firms, it would be irresponsible to dismiss any individual factor, and point solely to another for the current state of our pension systems.


As a legislative body, it is our job to stabilize the system, and HB 1 is an attempt to do so. The General Assembly still faces serious budget and funding decisions in the upcoming 2020 Regular Session, but we will remain dedicated to finding the best legislative course of action for public employees across the Commonwealth of Kentucky.


Thank you for your questions and concerns. It is an honor to serve you in Frankfort.


If you have any questions or comments about these issues or any other public policy issue, please call me toll-free at 1-800-372-7181 or email me at [email protected] can also review the Legislature’s work online at www.legislature.ky.gov.

courier-journal.com

Matt Bevin's pension-relief bill passes Kentucky Senate, ending the special session

HOLY COW!! The pension-relief bill is on the way!!

courier-journal.com The Kentucky legislature’s action delays an increase in already-high payments that "quasi-governmental agencies" are required to pay to KRS.

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Location

Address


12910 Shelbyville Rd, Ste 138
Louisville, KY
40243
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