JCN Financial

👻 The retiree "scaries" are real... but they don't have to be.

There are plenty of things that can keep retirees up at night, from rising healthcare costs and market volatility to concerns about outliving savings.

🎃 This Halloween, don't let the "retiree scaries" haunt your retirement. A thoughtful plan can help bring confidence and clarity to the future.

📋 Retirement Reality Check

When planning for retirement, many people focus on income, investments, and Social Security. But one of the largest expenses retirees face is healthcare.

Fidelity estimates the average retiree will need $185,500 to cover healthcare expenses in retirement, even with Medicare. And that estimate doesn't include costs like long-term care, dental, or vision expenses.

A well-rounded retirement plan should account for more than just your monthly living expenses.

Just a few spots left! 📢

Did you miss our last event? 🙁

😁Great news! We have another GREAT event coming up!

Please join us for next Speakers Bureau on Wednesday, October 28th at 1:30pm. 🤩

📊 Did you know September and October are often considered some of the market's most volatile months?

While market swings can feel unsettling, retirees can help reduce the impact by:

✔️ Having an Income Plan
✔️ Maintaining a Cash Reserve
✔️ Exploring Guaranteed Income Sources

While no one can predict what the market will do next, having a strategy in place can help you stay focused on your long-term retirement goals instead of short-term market noise.

💡 Are you prepared for the next bout of market volatility?

📢 Social Security Benefit Increase for 2027!

The Social Security Administration (SSA) just announced a 3.6% COLA increase starting in January 2027, which will add an average of $75 per month to retirement benefits.

📲 Want to see your new amount early? Set up a my Social Security account online by November 18 to view your personalized COLA notice weeks before it arrives in the mail!

👉 Check your account: www.ssa.gov/myaccount

Source: Social Security Administration Press Release (Oct 14, 2026)

my Social Security | SSA my Social Security | Open a my Social Security account today and rest easy knowing that you're in control of your future.

🧭 It's National Retirement Security Week!

This annual observance is dedicated to raising awareness about the importance of retirement planning and financial literacy.

Understanding concepts like compound interest, investing, risk management, 401(k)s, and IRAs can help you make more informed decisions and build a stronger foundation for the future. The more you know, the better equipped you'll be to navigate life's financial twists and turns.

No matter where you are on your retirement journey, taking time to learn, review your strategy, and stay engaged with your financial plan can make a meaningful difference over the long term.

Happy Friday! 🥳

Please take a moment to wish these two wonderful ladies, Roxxana and Tracy, a HAPPY Work Anniversary!

Thank you ❤️

Medicare Open Enrollment begins today and runs through December 7!

Your healthcare needs, prescription medications, and out-of-pocket costs can change over time, which is why reviewing your Medicare coverage each year is so important.

As you evaluate your options, remember to:

✔️ Review your prescription drug coverage
✔️ Check for changes to provider networks
✔️ Compare plan costs, premiums, and benefits
✔️ Make sure your coverage still aligns with your healthcare needs

Taking a few minutes to review your plan now can help you make more informed healthcare and financial decisions for the year ahead.

Did you miss our last event? 🙁

😁Great news! We have another GREAT event coming up!

Please join us for next Speakers Bureau on Wednesday, October 28th at 1:30pm. 🤩

📈 The annual Social Security COLA announcement is a reminder that inflation can have a lasting impact on retirement income.

COLA stands for Cost-of-Living Adjustment, the annual increase designed to help Social Security benefits keep pace with inflation.

Current projections suggest the 2027 COLA could land between 3.1% and 3.6%, potentially adding about $60 to $75 per month to the average $2,000 benefit. If those estimates hold, it would represent the largest Social Security benefit increase since 2023.

💡 Retirement Tip: Don't focus solely on your benefit increase. Take time to review your overall retirement income strategy and consider how rising expenses, healthcare costs, and inflation may affect your long-term budget.