You have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. This begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. Missing this window can result in lifelong late enrollment penalties.

Medicare Advantage (Part C) replaces Original Medicare, operating like an HMO or PPO, and often includes prescription drug coverage. Medicare Supplement (Medigap) works alongside Original Medicare to help pay out-of-pocket costs like copayments and deductibles, offering more flexibility in choosing doctors.

These accounts offer specific tax benefits to encourage saving. Traditional IRAs and 401(k)s typically offer tax-deductible contributions now, with taxes paid upon withdrawal. Roth accounts offer no upfront tax break, but qualified withdrawals in retirement are completely tax-free.

Yes, through a direct rollover. If you move the funds directly from your old 401(k) plan administrator to a new qualified retirement plan or IRA, you will not pay taxes or early withdrawal penalties on the transfer. We can guide you through this process to ensure compliance.