Frontone Wealth Management

Your healthcare coverage deserves a place on the fall checklist. Medicare Open Enrollment runs through December 7, offering an opportunity to review your options for the year ahead.

What you can change depends on your current coverage. Start with the details that apply to you. This Medicare.gov guide explains the available options and where to find more information before making a decision.
https://bit.ly/4BFzqCf

Welcome to Medicare The official U.S. government website for Medicare, a health insurance program for people age 65 or older and younger people with disabilities.

Cybersecurity Awareness Month is a good reminder that protecting your financial life also means protecting your information.

A few habits can make a meaningful difference: use strong unique passwords, turn on multifactor authentication, slow down when a message creates urgency and verify unusual requests through a trusted channel.

Scammers are getting more sophisticated. Our response can get smarter, too.
https://bit.ly/4yIeXtR

Cybersecurity Awareness Month | CISA Secure .gov websites use HTTPS A lock () or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

For business owners, year-end planning is rarely just about the business.

Compensation, retirement savings, taxes, insurance, succession planning and personal goals can all connect. Taking time before the end of the year to review how those pieces fit together can help you start the next year with more clarity.

Understanding Small Business Ownership Working with small business owners offers a clear view into a group that carries a unique mix of responsibility, and constant decision making.

Healthy aging is not about one perfect routine.

The National Institute on Aging notes that regular physical activity can support strength, balance, mood, sleep and cognitive health. The best activity is often the one you can enjoy and keep doing consistently.

Explore practical ways to stay active as you age:

Health Benefits of Exercise and Physical Activity Learn about the important health benefits of physical activity for older adults.

If a call sounds exactly like someone you love, that still may not mean it is really them.

The FTC warns that scammers can use AI voice cloning to make family-emergency scams sound frighteningly convincing. A simple rule can help: pause, verify the story using a phone number you already know and never let urgency pressure you into sending money before you confirm what is happening.

Share this with someone you care about:

consumer.ftc.gov

One life can span more than one state.

For families who split time between Illinois and Florida, financial planning may involve more than deciding where to spend the winter. Taxes, insurance, housing, healthcare, estate documents and cash flow can all look different when your life crosses state lines.

The goal is to make sure your financial plan travels with you.
https://bit.ly/4hvbLfT

A little movement can go a long way.

The CDC notes that regular physical activity can support sleep, brain health, heart health and overall well-being. As the weather cools down, a walk, a round of golf or time outside can be a simple way to reset.

Read more from the CDC:

Health Benefits of Physical Activity for Adults Nine important immediate and long-term health benefits of physical activity for adults.

Sunshine may be one reason people consider retiring to Florida.

But relocating in retirement involves much more than choosing a warmer climate.

Questions may include:

• What will housing really cost?
• How might insurance expenses change?
• What healthcare options are available?
• How will the move affect your cash flow?
• Do estate documents need to be updated?
• How much time will you still spend in another state?

The best retirement destination isn’t simply the one with the best weather.

It’s the one that fits your lifestyle and your financial plan.
https://bit.ly/4AOJjNM

Your financial goals and priorities can change over time. A regular financial health check can help you assess where you stand, identify areas that may need attention and make adjustments to keep your financial strategy aligned with what matters most to you.

Financial health check 6 steps to help you assess your overall financial wellness

Fall looks a little different depending on where you are.

In Illinois, the leaves begin to change.

In Florida… it may still feel very much like summer.

But wherever you are, the calendar is telling us the same thing:

The final quarter of the year is almost here.

Consider reviewing:

• Retirement contributions
• Tax planning
• Charitable giving
• Beneficiaries
• Insurance coverage
• Goals that have changed since January

A seasonal financial check-in can help make the end of the year feel much less rushed.
https://bit.ly/4hIkQly