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                  <span data-entity-ref="preheader">Eliminating the
                    financial pitfalls.</span>
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              <br>
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                                                          src="https://imgssl.constantcontact.com/letters/images/sys/S.gif"
style="display: block; height: auto; max-width: 100%;"
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                                                          <div>
                                                          <div><span
                                                          style="font-size:
                                                          16px;
                                                          font-weight:
                                                          bold;">Tony
                                                          Guggino, CLU,
                                                          ChFC</span></div>
                                                          <div><a class="moz-txt-link-abbreviated" href="mailto:tguggino@cpseainsurance.com">tguggino@cpseainsurance.com</a></div>
                                                          <div>212-472-2140</div>
                                                          <div><br>
                                                          </div>
                                                          <div>Connect
                                                          with me on
                                                          Linked in</div>
                                                          <div><a class="moz-txt-link-freetext" href="http://www.linkedin.com/in/angugg/">http://www.linkedin.com/in/angugg/</a></div>
                                                          </div>
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                                                          <div
                                                          style="text-align:
                                                          center;"
                                                          align="center"><span
style="font-weight: bold; text-decoration: underline;">I hope everyone
                                                          is enjoying
                                                          our over night
                                                          Summer
                                                          weather.</span></div>
                                                          <div
                                                          style="text-align:
                                                          center;"
                                                          align="center"><br>
                                                          </div>
                                                          <div>Today's
                                                          article
                                                          continues on
                                                          the theme of
                                                          planning for
                                                          retirement,
                                                          and is
                                                          entitled,
                                                          "Where
                                                          Retirees
                                                          Underestimate
                                                          Spending" <a
href="https://www.wsj.com/articles/where-retirees-underestimate-spending-1524061487?mod=article_inline"
                                                          style="color:
                                                          #DE4E3A;
                                                          font-style:
                                                          normal;
                                                          font-weight:
                                                          normal;
                                                          text-decoration:
                                                          underline;"
                                                          target="_blank"
moz-do-not-send="true">Click here to read more.</a></div>
                                                          <div><br>
                                                          </div>
                                                          <div>As I
                                                          wrote about
                                                          Medicare
                                                          Supplement
                                                          insurance in
                                                          my last email,
                                                          this article
                                                          addresses the
                                                          need to figure
                                                          into your
                                                          calculations
                                                          the cost of
                                                          Medicare
                                                          Insurance
                                                          premiums,
                                                          deductibles
                                                          and
                                                          co-insurance.
                                                          </div>
                                                          <div><br>
                                                          </div>
                                                          <div>The other
                                                          important
                                                          concern for
                                                          all retirees,
                                                          is the cost of
                                                          Long Term Care
                                                          taking a large
                                                          piece of their
                                                          retirements
                                                          savings. </div>
                                                          <div><br>
                                                          </div>
                                                          <div>Please
                                                          feel free to
                                                          contact me for
                                                          a
                                                          complementary
                                                          Assessment of
                                                          Health Care
                                                          Costs. The
                                                          assessment
                                                          takes into
                                                          account the
                                                          cost of:
                                                          Medicare Part
                                                          B premiums;
                                                          Medicare
                                                          Supplement
                                                          Insurance(AARP)
                                                          premiums; and
                                                          the premium
                                                          for Medicare
                                                          Part D for
                                                          prescription
                                                          drugs. All
                                                          costs are
                                                          adjusted for
                                                          inflation.</div>
                                                          <div><br>
                                                          </div>
                                                          <div>I can
                                                          also offer a
                                                          comparison of
                                                          all of the
                                                          Long Term Care
                                                          policies that
                                                          are available.</div>
                                                          <div><br>
                                                          </div>
                                                          <div>Please
                                                          contact me
                                                          with any
                                                          questions,
                                                          advise, and
                                                          personalized
                                                          assessments.</div>
                                                          <div><br>
                                                          </div>
                                                          <div>Happy
                                                          Summer!!</div>
                                                          </div>
                                                          </div>
                                                          </td>
                                                          </tr>
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          <tr>
            <td><br>
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      <table class="footer-container" style="background: #ffffff;
        margin-left: auto; margin-right: auto; table-layout: auto
        !important" cellspacing="0" cellpadding="0" bgcolor="#ffffff"
        width="100%" border="0">
        <tbody>
          <tr>
            <td style="width: 100%;" valign="top" align="center"
              width="100%">
              <div class="footer-max-main-width" style="margin-left:
                auto; margin-right: auto; max-width: 100%;"
                align="center">
                <table cellspacing="0" cellpadding="0" width="100%"
                  border="0">
                  <tbody>
                    <tr>
                      <td class="footer-layout" style="padding: 16px
                        0px;" valign="top" align="center">
                        <table class="footer-main-width" style="width:
                          580px;" cellspacing="0" cellpadding="0"
                          border="0">
                          <tbody>
                            <tr>
                              <td class="footer-text" style="color:
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                                Verdana,Geneva,sans-serif; font-size:
                                12px; padding: 4px 0px;" valign="top"
                                align="center"> <span
                                  class="footer-column">CPS<span
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                                        style="color: #5d5d5d;
                                        font-family:
                                        Verdana,Geneva,sans-serif;
                                        font-size: 12px; padding: 4px
                                        0px;" valign="top"
                                        align="center"> <a href="#"
                                          style="color: #5d5d5d"
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                                        font-family:
                                        Verdana,Geneva,sans-serif;
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href="http://www.constantcontact.com/legal/service-provider?cc=about-service-provider"
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                                          our service provider</a> </td>
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                                      <td class="footer-text"
                                        style="color: #5d5d5d;
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                                        Verdana,Geneva,sans-serif;
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                                        0px;" valign="top"
                                        align="center"> Sent by <a
                                          href="mailto:tguggino@cpseainsurance.com"
                                          style="color: #5d5d5d;
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                              <td class="footer-text" style="color:
                                #5d5d5d; font-family:
                                Verdana,Geneva,sans-serif; font-size:
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                                align="center">
                                <table cellspacing="0" cellpadding="0"
                                  width="220" border="0">
                                  <tbody>
                                    <tr>
                                      <td valign="top" align="center"> <a
href="http://www.constantcontact.com/index.jsp?cc=nge" style="color:
                                          #5d5d5d; text-decoration:
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                                            vspace="0" hspace="0"
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                                      <td class="footer-cta-text"
                                        style="color: #5d5d5d;
                                        font-family:
                                        Verdana,Geneva,sans-serif;
                                        font-size: 12px; padding-left:
                                        52px;" valign="top" align="left">
                                        <a
                                          href="http://www.constantcontact.com/index.jsp?cc=nge"
                                          style="color: #5d5d5d;
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                                          free today</a> </td>
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            </td>
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      </table>
      <div style="background-color:#F3F3F3;" align="center">
        <table style="background-color:#f3f3f3" cellspacing="0"
          cellpadding="0" bgcolor="#f3f3f3" width="100%" border="0">
          <tbody>
            <tr>
              <td valign="top" align="left">
                <div
                  style="max-width:600px;margin-left:auto;margin-right:auto;
                  background-color:#F3F3F3;" align="center">
                  <table
                    style="background-color:#f3f3f3;margin-left:auto;margin-right:auto;"
                    class="MainWidth" cellspacing="0" cellpadding="0"
                    bgcolor="#f3f3f3" width="100%" border="0">
                    <tbody>
                      <tr>
                        <td class="MainSide"><!--[if lt IE 7]><img alt="" width="1" height="5" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" /><![endif]--><br>
                        </td>
                        <td class="MainCenter" valign="top"
                          align="center" width="600">
                          <table cellspacing="0" cellpadding="0"
                            width="100%" border="0">
                            <tbody>
                              <tr>
                                <td style="color: #5b5b5b; font-size:
                                  11px; line-height: 1.3; font-family:
                                  Arial, Helvetica, sans-serif; padding:
                                  15px 10px 30px 10px ;" valign="top"
                                  align="left">
                                  <div class="MobileFooter"
                                    style="color:#FF0000; font-size:
                                    11px; line-height: 1.3; font-family:
                                    Arial, Helvetica, sans-serif;"><span
                                      style="font-size:13px;
                                      font-weight:bold;"><br>
                                      THIS IS A TEST EMAIL ONLY.</span><br>
                                    This email was sent by the author
                                    for the sole purpose of testing a
                                    draft message. If you believe you
                                    have received the message in error,
                                    please contact the author by
                                    replying to this message. Constant
                                    Contact takes reports of abuse very
                                    seriously. If you wish to report
                                    abuse, please forward this message
                                    to <a
                                      href="mailto:abuse@constantcontact.com"
                                      moz-do-not-send="true">abuse@constantcontact.com</a>.<br>
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                            </tbody>
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                        </td>
                        <td class="MainSide"><!--[if lt IE 7]><img alt="" width="1" height="5" border="0" hspace="0" vspace="0" src="https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif" /><![endif]--><br>
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    </div>
    <pre class="moz-signature" cols="72">-- 

Tony Guggino, CLU, ChFC
Director of Estate and Insurance Planning

<a class="moz-txt-link-abbreviated" href="mailto:tguggino@cpseainsurance.com">tguggino@cpseainsurance.com</a>

Phone: 212-472-2140
Mobile: 646-872-6374
CPS Elite Advisors Insurance Services
330 E.71st Street, Suite 1K \u2022 New York, NY 10021

<a class="moz-txt-link-abbreviated" href="http://www.cpseainsurance.com">www.cpseainsurance.com</a>


Connect with me on Linked in
<a class="moz-txt-link-freetext" href="http://www.linkedin.com/in/angugg/">http://www.linkedin.com/in/angugg/</a>

This message may contain confidential and/or privileged information. 
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this transmission in error, please delete it.



</pre>
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