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<div><span
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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>
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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="http://r20.rs6.net/tn.jsp?f=001HCAl_yvnuZooqWWOlpfRkA6baEcTs4kWQUsg5wRpSr6MXJcRlvVkjNG14TRCKu7KCN8X29NSTI9xc4VYZjd1qPQrUCnXwx539frAejj5ogPZsX0ANF8SYo8TdwlSaBnDa3GKyL9kP9q026RmpIIXojSM0H7i-b7pK8lLL4d-Or_uKKFIJO-MR7x272wJvSFV3AON1pnSt1wT3BRyOqTSZdf-QD0_9GdLQQ6WQokru48jgDwjRYlgAQ==&c=psSdEbyZOwrMmYR8nDepEGPPHPOUQFazE-mr4AOtiqnaQmibik90uw==&ch=dOmLUSdhM7Dij-X_8T-zU9eXIjSt3nCDufZ45WzQtPV42NLKzjnOjg=="
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>
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