Articles by Benjamin Wells (32)
Your Medicare Advantage Plan Is Ending — Here's Exactly What to Do Next
Nearly 3 million seniors are losing their Medicare Advantage plans in 2026. Here's exactly what to do — deadlines, options, and free help — before time runs out
Does Medicaid Pay for Assisted Living? What Every Family Needs to Know
Medicaid covers nursing homes in all 50 states — but assisted living is a different story. Here's the state-by-state breakdown of what's covered, what isn't, an
What Happens to Your Spouse's Social Security When They Die?
Social Security survivor benefits average $1,919 per month in 2026 — and the decisions you make in the weeks after a spouse dies can shape your income for decad
Taking Your First Required Minimum Distribution? Read This Before You Do.
Your first required minimum distribution can be tricky — especially if you miss the deadline. Learn what RMDs are, how to calculate yours, and strategies to red
How Much Does It Really Cost to Age in Place?
Aging in place sounds ideal — but what's the real price tag? From home modifications to in-home care and hidden costs, here's everything you need to budget for.
A Simple Guide to Roth Conversions After You Retire
Benjamin Wells explains how retirees can use Roth conversions to reduce future taxes, avoid RMD surprises, and protect their heirs — with specific numbers, tax
The Medicare Surcharge That Catches Retirees Off Guard (And How to Avoid It)
Benjamin Wells breaks down IRMAA — the Medicare surcharge that catches retirees off guard — with 2026 income brackets, common triggers like home sales and Roth
What the 2026 Social Security Changes Mean for Your Monthly Check
Benjamin Wells breaks down the 2026 Social Security changes that will affect your monthly check, including the COLA increase, Medicare premium updates, and what
How to Spot a Medicare Scam in 2026
Medicare scammers are getting smarter. Discover the 6 most common Medicare fraud schemes targeting seniors, how to spot warning signs, and the 7 essential steps
Understanding Long-Term Care Insurance As A Senior
Today, let’s delve into a topic that’s crucial for seniors and their families: long-term care insurance. As we age, the possibility of needing long-term care...
Senior Estate Planning Guide: Leave Inheritance 2025
Are you thinking about how to leave a lasting legacy for your children? It's a topic many of us ponder as we enjoy our golden years. Planning your inheritanc...
Essential Websites Every Senior Should Bookmark in 2024
Financial planner Benjamin Wells reveals essential websites that can save seniors $1,200-2,400 annually while protecting their financial security and independen
Biden vs Trump 2024: How Senior Voters Are Making Their Choice
Senior voters hold tremendous political power in 2024. Discover how seniors are evaluating Biden vs Trump based on healthcare, Social Security, and key issues t
Digital Delights: Free Online Activities for Seniors
A financial planner's guide to the best free online activities for seniors — virtual museums, brain games, creative tools, free audiobooks, fitness classes, and
Navigating 2024's Medicare Changes: Complete Senior Guide
Medicare, the cornerstone of healthcare for seniors in the United States, undergoes regular updates and changes. As we step into 2024, it's crucial for...
Top 5 Considerations When Choosing a Senior Care Home for
When the time comes to choose a senior care home for your parents, it's a decision that comes with a lot of love, concern, and thoughtfulness. It's about...
Complete Guide to Understanding Caregiver Burnout Prevention
Caregiver burnout is a state of physical, emotional, and mental exhaustion that can occur when caregivers don't receive the help they need or try to do more...
When Should You Retire? Social Security, Medicare, and the Math That Matters
Raymond was 63, still working at a machine shop in Bridgeport, and he wanted to know one thing: when should he retire? The answer took us two hours, a legal pad
Best Supplements for Seniors: 2025 Complete Health Guide
Evidence-based guide to essential supplements for seniors over 65. Learn about vitamin D, omega-3s, probiotics, and more to support healthy aging and longevity.
30 Essential Questions: Choosing Assisted Living for Parents
After moving both his father and mother into assisted living, Benjamin Wells shares the questions that actually matter — about care, money, contracts, and the t
The Reality of Why Families Become Caregivers for Their
A surge in the aging population and rising healthcare costs have prompted families to care for elderly relatives at home. Driven by tight emotional bonds and...
Senior Downsizing & Decluttering: Complete Guide & Tips
As time marches on, we find ourselves reassessing our living situations. For many seniors, a large family home no longer suits their lifestyle, needs, or...
Understanding Congestive Heart Failure in Seniors Guide
Navigating the complexities of health in our senior years can be challenging, especially when it comes to understanding and managing conditions like Congesti...
The Ultimate Senior's Guide to Selling or Transferring
Hello, seasoned entrepreneurs! So, you've reached a point in your life where you're ready to bid farewell to the business world and pass on your legacy....
Medical Power of Attorney: What Every Senior Needs
A Medical Power of Attorney is the single most important legal document most seniors haven't completed. Here's what it covers, how to choose your healthcare age
Mastering Estate Planning on Property Inheritance and Tax
Introduction: As seniors, one of our most significant concerns is ensuring our estate, particularly our property, is passed on to our children as smoothly an...
The Mastery of Sleep: Confronting Insomnia in the Autumn
🌜 Say Goodbye to Counting Sheep! 🐑 Discover the secret strategies to conquer insomnia in your golden years! Are you tired of tossing and turning all night?...
Reverse Mortgages: Complete Basics Guide for Homeowners
Hello there! Are you a homeowner reaching those golden years and wondering about financial options that could support your retirement? Well, let's talk about...
10 Key Caregiving Tips for Looking After Your Aging
Practical, real-world caregiving tips for adult children looking after aging parents. From managing medications to preventing burnout, here's what matters most.
Selling Your Parents' House and Helping Them Downsize: A
Hello, friends! Today, we're diving into a topic that many of us encounter as our parents age: selling their house and helping them downsize. It's not just...
Estate Planning for Seniors: 5 Documents You Need
Most estate plans fail not because they don't exist, but because they don't match reality. A financial planner with 35 years of experience breaks down the five
Master Your Retirement: 10 Crucial Steps Before You Bid
Master your retirement with 10 essential steps. Complete guide to financial planning, health preparation, and creating a fulfilling retirement lifestyle.