Blog
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Final Expense Insurance: What It Covers and How Much You Really Need
Final Expense Insurance: What It Covers and How Much You Really Need Author: Rodney Cummings, RSSA® | Legacy Wealth Services Keywords: final expense
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Are You Leaving Social Security Money on the Table? 3 Things Every Oregon Retiree Should Know Before Claiming
Are You Leaving Social Security Money on the Table? 3 Things Every Oregon Retiree Should Know Before Claiming When most people think about retirement
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Turning 65? Your Complete Medicare Enrollment Guide (2026)
Turning 65? Your Complete Medicare Enrollment Guide 2026 By Rodney Denno, RSSA® | Legacy Wealth Services --- Turning 65 is one of the most important
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When Should You Start Taking Social Security? The $100K Decision
When Should You Start Taking Social Security? The $100K Decision By Rodney Cummings, RSSA® | Legacy Wealth Services | June 2026 --- Here's a question
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The RMD Tax Trap: How Required Minimum Distributions Quietly Drain Retirement Portfolios
The RMD Tax Trap: How Required Minimum Distributions Quietly Drain Retirement Portfolios By Rodney Cummings, RSSA® | Legacy Wealth Services --- You d
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3 Stealth Taxes That Blindside Retirees (And How to Avoid Them)
3 Stealth Taxes That Blindside Retirees And How to Avoid Them By Rodney Cummings, RSSA® | Legacy Wealth Services --- Retirement planning conversation
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Roth Conversion + Fixed Index Annuity: The Two-Move Strategy Smart Retirees Are Using Before 73
Roth Conversion + Fixed Index Annuity: The Two-Move Strategy Smart Retirees Are Using Before 73 By Rodney Cummings, RSSA® | Legacy Wealth Services --
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The Medicare Enrollment Trap: Why Missing a 7-Month Window Can Cost You Thousands — Permanently
The Medicare Enrollment Trap: Why Missing a 7-Month Window Can Cost You Thousands — Permanently By Rodney Cummings, RSSA® | Legacy Wealth Services --
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Medicare Advantage vs. Medigap Supplement: The Decision Most Oregon Seniors Get Wrong
Medicare Advantage vs. Medigap Supplement: The Decision Most Seniors Get Wrong By Rodney Cummings, RSSA® | Legacy Wealth Services --- Every year, hun
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The FEX Conversation Nobody Has: Why Final Expense Insurance Is the Most Misunderstood Protection in America
The FEX Conversation Nobody Has: Why Final Expense Insurance Is the Most Misunderstood Protection in America By Rodney Cummings, RSSA® | Legacy Wealt
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IUL: The Tax-Free Retirement Account Most People Don't Know Exists
IUL: The Tax-Free Retirement Account Most People Don't Know Exists By Rodney Cummings, RSSA® | Legacy Wealth Services --- Most Americans know three w
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The 8 Social Security Mistakes That Permanently Cost Retirees Thousands — and How to Avoid Every One
The 8 Social Security Mistakes That Permanently Cost Retirees Thousands — and How to Avoid Every One By Rodney Cummings, RSSA® | Legacy Wealth Servic
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Why Delaying Social Security to 70 Is the Smartest Retirement Move Most People Never Make
Why Delaying Social Security to 70 Is the Smartest Retirement Move Most People Never Make By Rodney Cummings, RSSA® | Legacy Wealth Services --- If s
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The 7 Dangers of Decumulation: Why the Descent Is the Most Dangerous Phase of Retirement
The 7 Dangers of Decumulation: Why the Descent Is the Most Dangerous Phase of Retirement By Rodney Cummings, RSSA® | Legacy Wealth Services --- Here'
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What Is a FICA Tax? How Small Businesses Can Legally Reduce Payroll Costs
What Is a FICA Tax? How Small Businesses Can Legally Reduce Payroll Costs Target Keyword: FICA tax small business Secondary Keywords: how to reduce F
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Medicare Supplement vs. Medicare Advantage: Which Plan Is Right for You? (2026 Guide)
If you're turning 65 — or helping a parent make the Medicare decision — you'll quickly discover that the choice between Medicare Supplement Medigap an
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Are You Claiming Social Security at the Wrong Time? What Oregon Retirees Need to Know in 2026
Are You Claiming Social Security at the Wrong Time? What Oregon Retirees Need to Know in 2026 By Rodney | Legacy Wealth Services | June 2026 --- Most
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What Is an IUL? A Plain-English Guide to Indexed Universal Life Insurance
What Is an IUL? A Plain-English Guide to Indexed Universal Life Insurance By Rodney Cummings, Legacy Wealth Services | OR License 18847712 Published:
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Life Settlements: How Seniors Can Sell a Life Insurance Policy for Cash
Life Settlements: How Seniors Can Sell a Life Insurance Policy for Cash If you're over 65 and own a life insurance policy you no longer need — or can
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How to Reduce Payroll Taxes Legally as a Small Business Owner (2026)
Payroll taxes are one of the largest fixed expenses a small business owner faces — and for most, they feel completely non-negotiable. Every payday, 7.
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Medicare Advantage vs. Medicare Supplement: Which Is Right for You?
Medicare Advantage vs. Medicare Supplement: Which Is Right for You? By Rodney Cummings, RSSA® | Legacy Wealth Services --- If you're turning 65 or ap
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Fixed Index Annuities vs. CDs: Which Protects Your Retirement Better?
Fixed Index Annuities vs. CDs: Which Protects Your Retirement Better? By Rodney Denno, RSSA® | Legacy Wealth Services --- If you've worked your whole
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Life Settlements: How to Turn an Old Policy Into $50,000+ Cash
Life Settlements: How to Turn an Old Policy Into $50,000+ Cash By Rodney Denno, RSSA® | Legacy Wealth Services --- Most seniors don't realize that th
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When Should I Start Taking Social Security? A Guide to Maximizing Your Benefits
When Should I Start Taking Social Security? A Guide to Maximizing Your Benefits By Rodney Cummings, RSSA® | Legacy Wealth Services One of the most im
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What is a Fixed Index Annuity and Is It Right for Me?
What is a Fixed Index Annuity and Is It Right for Me? By Rodney Cummings, RSSA® | Legacy Wealth Services --- If you've been exploring retirement inco
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5 Reasons Oregon Residents Should Review Their Life Insurance This Year
5 Reasons Oregon Residents Should Review Their Life Insurance This Year By Rodney Cummings, RSSA® | Legacy Wealth Services --- Life insurance is one
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How Small Businesses Can Legally Reduce FICA Taxes
How Small Businesses Can Legally Reduce FICA Taxes By Rodney Cummings, RSSA® | Legacy Wealth Services --- If you own or operate a small business, you
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What Happens to Your Life Insurance Policy If You Can't Afford the Premiums?
What Happens to Your Life Insurance Policy If You Can't Afford the Premiums? By Rodney Cummings, RSSA® | Legacy Wealth Services --- You've been payin
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What Is a Fixed Index Annuity — and Is It Right for You?
What Is a Fixed Index Annuity — and Is It Right for You? By Rodney Cummings, RSSA® | Legacy Wealth Services --- If you're within 10 years of retireme
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How Small Businesses Can Legally Reduce FICA Taxes — The FICA Contribution Reduction Strategy
How Small Businesses Can Legally Reduce FICA Taxes — The FICA Contribution Reduction Strategy By Rodney Cummings, RSSA® | Legacy Wealth Services ---
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Still Working at 65? Your Complete Guide to Delaying Medicare
Still Working at 65? Your Complete Guide to Delaying Medicare By Rodney Cummings, RSSA® | Legacy Wealth Services --- Turning 65 doesn't automatically
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Do You Really Need a Trust? Estate Planning for Families Over 50
Meta Description: Do you really need a trust? Discover estate planning basics for families over 50 — the difference between a will and a trust, who a
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Small Business Health Insurance Guide 2026 — What Owners Actually Need to Know
Most small business owners who skip group health insurance think they're saving money. They're not — they're just moving the cost to a different line
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Fixed Index Annuity vs CD vs Bond: Which Is Better for Retirement Income in 2026?
Fixed Index Annuity vs CD vs Bond: Which Is Better for Retirement Income in 2026? By Rodney Cummings, RSSA® | Legacy Wealth Services | Happy Valley,
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Indexed Universal Life Insurance (IUL) Explained: Grow Wealth Tax-Free in Retirement
Indexed Universal Life Insurance IUL Explained: Grow Wealth Tax-Free in Retirement By Rodney Cummings, RSSA® | Legacy Wealth Services | Happy Valley,
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Medicare Advantage vs Medicare Supplement: Which Is Right for You in 2026?
Medicare Advantage vs Medicare Supplement: Which Is Right for You in 2026? By Rod Cummings, RSSA® | Legacy Wealth Services | Happy Valley, Oregon ---
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When Should You Start Taking Social Security? (The Optimal Age Guide)
When Should You Start Taking Social Security? The Optimal Age Guide Most people spend more time researching a car purchase than they do planning when
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Medicare Advantage vs. Medicare Supplement — Which Is Right for You? (2026 Guide)
Medicare Advantage vs. Medicare Supplement — Which Is Right for You? 2026 Guide By Rodney Cummings, RSSA® | Legacy Wealth Services | OR License 18847
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FICA Tax Reduction Strategy — The Strategy Most Business Owners Have Never Heard Of
FICA Tax Reduction Strategy — The Strategy Most Business Owners Have Never Heard Of By Rodney Cummings, Legacy Wealth Services | Published June 2026
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Medicare at 65: The 6 Mistakes That Cost Oregon Retirees Thousands
Medicare at 65: The 6 Mistakes That Cost Oregon Retirees Thousands By Rodney Cummings, Legacy Wealth Services | June 2026 Turning 65 is a major miles
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What Is a Life Settlement? How Oregon Policyholders Are Getting Cash for Unwanted Life Insurance
What Is a Life Settlement? How Oregon Policyholders Are Getting Cash for Unwanted Life Insurance By Rodney Cummings, Legacy Wealth Services | June 20
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When Should You Take Social Security? The Answer Could Be Worth $100,000
When Should You Take Social Security? The Answer Could Be Worth $100,000 By Rodney Cummings, Legacy Wealth Services | June 2026 Most people assume th
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Welcome to Legacy Wealth Services — Your Retirement Deserves a Complete Picture
Welcome to Legacy Wealth Services — Your Retirement Deserves a Complete Picture A personal note from Rodney | June 2026 --- I want to start with a si
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Life Settlements Explained: Get Cash for Your Policy
Life Settlements Explained: Get Cash for Your Policy Most people assume there are only two things you can do with a life insurance policy you no long
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Blog Post #1 — How Oregon Small Businesses Can Legally Reduce Their Payroll Taxes by $40,000 or More
How Oregon Small Businesses Can Legally Reduce Their Payroll Taxes by $40,000 or More Meta Description: Oregon small businesses with 10–100 employees
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Blog Post #2 — What Is FICA Tax and Why It's Costing Your Oregon Business More Than You Think
What Is FICA Tax and Why It's Costing Your Oregon Business More Than You Think Meta Description: FICA tax costs Oregon employers 7.65% on every W-2 w
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Blog Post #3 — The IRS-Approved Tax Strategy Most Oregon Business Owners Have Never Heard Of
The IRS-Approved Tax Strategy Most Oregon Business Owners Have Never Heard Of Meta Description: Most Oregon business owners leave $40K–$80K on the ta
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Social Security at 62 vs 67 vs 70 — The Numbers That Change Everything
Social Security at 62 vs 67 vs 70 — The Numbers That Change Everything Most people pick a Social Security claiming age based on a gut feeling. Here's
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What Is an IUL and Is It Right for Retirement?
What Is an IUL and Is It Right for Retirement? Indexed universal life insurance for retirement is one of the most searched — and least understood — t
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5 Signs It's Time to Sell Your Life Insurance Policy (Before It Lapses or You Surrender It)
5 Signs It's Time to Sell Your Life Insurance Policy Before It Lapses or You Surrender It Every year, billions of dollars in life insurance death ben
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Annuity Income vs. The 4% Rule: Which Strategy Makes Your Money Last in Retirement?
Annuity Income vs. The 4% Rule: Which Strategy Makes Your Money Last in Retirement? For decades, financial planning relied on the "4% rule" to determ
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FIA Cap Rates, Participation Rates, and Spreads: How to Decode Your Annuity Illustration
FIA Cap Rates, Participation Rates, and Spreads: How to Decode Your Annuity Illustration Fixed index annuity illustrations are full of numbers that c
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Fixed Index Annuities Explained: How to Grow Your Retirement Savings Without Market Risk
Fixed Index Annuities Explained: How to Grow Your Retirement Savings Without Market Risk Fixed index annuities offer something rare in modern finance
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Fixed Index Annuities Explained: How FIAs Protect Your Retirement in 2026
Fixed Index Annuities Explained: How FIAs Protect Your Retirement in 2026 --- SEO Title Tag: Fixed Index Annuity Explained: How FIAs Work & Protect R
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How Doctors Are Adding $120,000–$180,000 Per Year With Remote Patient Monitoring in 2026
How Doctors Are Adding $120,000–$180,000 Per Year With Remote Patient Monitoring in 2026 For most medical practices, revenue growth means seeing more
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Is Your Life Insurance Policy Worth More Than You Think? The Life Settlement Guide
Is Your Life Insurance Policy Worth More Than You Think? The Life Settlement Guide Most seniors don't realize their life insurance policy is a financ
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Life Settlement vs. Cash Surrender: Why Most Seniors Leave Money on the Table
Life Settlement vs. Cash Surrender: Why Most Seniors Leave Money on the Table When seniors no longer need their life insurance, most default to surre
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Life Settlements: How to Sell Your Life Insurance Policy for Cash (2026 Complete Guide)
Life Settlements: How to Sell Your Life Insurance Policy for Cash 2026 Complete Guide --- SEO Title Tag: Life Settlements: How to Sell Your Life Insu
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Small Business Group Health Insurance in 2026: Your Complete Guide to Options, Costs & Tax Savings
Small Business Group Health Insurance in 2026: Your Complete Guide to Options, Costs & Tax Savings If you're a small business owner, HR manager, or o
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62, 66, or 70? How to Choose the Best Age to Claim Social Security
62, 66, or 70? How to Choose the Best Age to Claim Social Security There's a question that keeps a lot of people up at night as they approach retirem
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Fixed Index Annuities Explained: Pros, Cons, and Who They're Really For
Fixed Index Annuities Explained: Pros, Cons, and Who They're Really For There's a product in the retirement planning world that gets more than its fa
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The Best Age to Take Social Security: What Most People Get Wrong
The Best Age to Take Social Security: What Most People Get Wrong Target Keywords: best age to take Social Security, when to claim Social Security, So
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Turning 65? Here's Everything You Need to Know About Medicare in 2026
Turning 65? Here's Everything You Need to Know About Medicare in 2026 Turning 65 is a milestone worth celebrating — but it also comes with a to-do li
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What Is a Life Settlement and How Much Is Your Policy Worth?
What Is a Life Settlement and How Much Is Your Policy Worth? Target Keywords: what is a life settlement, how much is my life insurance policy worth,
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When Should I Enroll in Medicare? Complete T65 Guide (2026)
When Should I Enroll in Medicare? Complete T65 Guide 2026 Target Keywords: when to enroll in Medicare, Medicare T65, Medicare Initial Enrollment Peri
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5 Estate Planning Mistakes That Could Cost Your Family Thousands (And How to Avoid Them)
5 Estate Planning Mistakes That Could Cost Your Family Thousands And How to Avoid Them Most people believe that estate planning means having a will t
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Final Expense Insurance vs. Whole Life Insurance: Which Is Right for You? (2026)
Final Expense Insurance vs. Whole Life Insurance: Which Is Right for You? 2026 Meta Description: Confused about final expense vs. whole life insuranc
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Fixed Index Annuities and Required Minimum Distributions: What You Need to Know
Fixed Index Annuities and Required Minimum Distributions: What You Need to Know Slug: fixed-index-annuities-and-required-minimum-distributions-what-y
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Fixed Index Annuities vs. Variable Annuities: Which Is Safer for Retirement?
Fixed Index Annuities vs. Variable Annuities: Which Is Safer for Retirement? Meta Description: Fixed index annuity vs variable annuity — which is rig
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Group Health Insurance Tax Benefits: What Small Business Owners Can Deduct in 2026
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How Are Annuities Taxed in Retirement? The Complete 2026 Guide
How Are Annuities Taxed in Retirement? The Complete 2026 Guide Annuities are one of the most powerful tools in retirement income planning — but they'
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How Doctors and Clinics Are Earning $85,000–$150,000+ in New Revenue Through Remote Patient Monitoring in 2026
Medicare Has Quietly Created One of the Best Revenue Opportunities in Modern Medicine Most physicians are aware that Medicare reimburses for Remote P
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How Does a Life Settlement Work? A Step-by-Step Guide for Seniors (2026)
How Does a Life Settlement Work? A Step-by-Step Guide for Seniors 2026 Meta Description: Wondering how a life settlement works? Learn the 6-step proc
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How Does an Income Annuity Work? Your Guide to Guaranteed Retirement Income in 2026
How Does an Income Annuity Work? Your Guide to Guaranteed Retirement Income in 2026 By Rodney Cummings, RSSA® | Legacy Wealth Services | May 19, 2026
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How to Evaluate a Life Settlement Offer: What's Your Policy Really Worth?
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IRMAA 2026: How Your Income Affects Your Medicare Premium (And What to Do About It)
IRMAA 2026: How Your Income Affects Your Medicare Premium And What to Do About It Meta Description: Learn how IRMAA 2026 income brackets can add up t
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IUL vs. 401(k): Which Is Better for Tax-Free Retirement Income?
IUL vs. 401k: Which Is Better for Tax-Free Retirement Income? Here's a question worth sitting with: You've spent 30 years building a retirement nest
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Living Trust vs Will: Which One Do You Actually Need?
Living Trust vs Will: Which One Do You Actually Need? Here's a number that should stop you mid-scroll: 67% of Americans have no estate plan at all. N
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Medicare Advantage vs Medicare Supplement: Blog Post
Medicare Advantage vs Medicare Supplement: Which Plan Is Right for You in 2026? Turning 65 is one of the most significant financial and healthcare mi
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Medicare Annual Enrollment Period 2026: What Changes You Can Make and When
Medicare Annual Enrollment Period 2026: What Changes You Can Make and When Every fall, millions of Medicare beneficiaries get a window to revisit the
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Medicare Annual Enrollment Period 2026: What Changes Every October 15th
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Medicare Supplement Plan G vs. Plan N in 2026: The Complete Side-by-Side Comparison
Medicare Supplement Plan G vs. Plan N in 2026: The Complete Side-by-Side Comparison If you're turning 65 this year and shopping for a Medicare Supple
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Medicare Supplement Plan N vs G: The Complete 2026 Comparison Guide
Medicare Supplement Plan N vs G: The Complete 2026 Comparison Guide Meta Description: Plan G vs Plan N — which Medicare Supplement saves you more in
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Remote Patient Monitoring Reimbursement Codes 2026: CPT Codes and Revenue Estimates for Medical Practices
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SEO Blog Post 2 — FICA Tax Reduction: How Small Business Owners Save $40,000+ Per Year
FICA Tax Reduction: How Small Business Owners Save $40,000+ Per Year Meta Description: Learn how Oregon small business owners use a legal, IRS-approv
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SEO Blog Post 1 — What Is a Life Settlement and How Much Is Your Policy Worth?
What Is a Life Settlement and How Much Is Your Policy Worth? Meta Description: Discover how a life settlement works, who qualifies, and how much your
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SEO Blog Post 3 — Group Health Insurance for Small Businesses: What Oregon Employers Need to Know in 2026
Group Health Insurance for Small Businesses: What Oregon Employers Need to Know in 2026 Meta Description: Oregon small business owners: learn your 20
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Small Business Health Insurance in 2026: Group Health vs. Individual Plans — What Every Owner Needs to Know
Small Business Health Insurance in 2026: Group Health vs. Individual Plans — What Every Owner Needs to Know Published: May 2026 | Legacy Wealth Servi
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Social Security at 62 vs 66 vs 70: Which Age Is Best to Claim?
Social Security at 62 vs 66 vs 70: Which Age Is Best to Claim? By Rodney Cummings, RSSA® | Legacy Wealth Services | 503-864-6322 --- Here is a fact t
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Social Security Break-Even Age: The Number That Should Drive Your Claiming Decision
Social Security Break-Even Age: The Number That Should Drive Your Claiming Decision You've probably heard the advice before: "Wait as long as you can
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Social Security Spousal Benefits: The Complete 2026 Guide
Social Security Spousal Benefits: The Complete 2026 Guide Most couples leave between $50,000 and $200,000 in lifetime Social Security income on the t
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Social Security Survivor and Divorce Benefits in 2026: What Widows, Widowers, and Divorced Spouses Often Miss
Social Security Survivor and Divorce Benefits in 2026: What Widows, Widowers, and Divorced Spouses Often Miss Every year, thousands of widows, widowe
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Turning 65 Medicare Checklist: Everything You Need to Do Before Your Birthday
Turning 65 Medicare Checklist: Everything You Need to Do Before Your Birthday Turning 65 is a milestone worth celebrating — but for most people, the
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What Is a MYGA? The Safe, Guaranteed Annuity Retirees Are Discovering in 2026
<!-- Meta Description: Discover what a MYGA annuity is, how it works, current 2026 rates up to 6.50%, and whether it's the right safe-money strateg
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What Is a Life Settlement? How Seniors Are Turning Old Policies Into Tax-Free Cash
What Is a Life Settlement? How Seniors Are Turning Old Policies Into Tax-Free Cash By Rodney Cummings | Legacy Wealth Services | Updated May 2026 ---
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What Is an IUL? Indexed Universal Life Insurance Explained for 2026
What Is an IUL? Indexed Universal Life Insurance Explained for 2026 If you've been researching life insurance or tax-advantaged retirement strategies
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What Is IRMAA? How Medicare's Income Surcharge Can Cost You Thousands (2026 Guide)
What Is IRMAA? How Medicare's Income Surcharge Can Cost You Thousands 2026 Guide By Rodney Cummings | Legacy Wealth Services | Updated May 2026 --- Y
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When to Take Social Security: The Decision That Can Make or Cost You $182,000
--- title: "When to Take Social Security: The Decision That Can Make or Cost You $182,000" description: "Wondering when to take Social Security? Lear
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7 Estate Planning Mistakes Oregon Families Make (And How to Avoid Them)
7 Estate Planning Mistakes Oregon Families Make And How to Avoid Them After working with Oregon families on retirement planning, we see the same esta
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Best Medicare Plans in Portland OR 2026: Advantage vs. Supplement Compared
Best Medicare Plans in Portland OR 2026: Advantage vs. Supplement Compared By Rodney Cummings, RSSA® | Legacy Wealth Services | Happy Valley, OR ---
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Blog Post: Best Medicare Plans in Happy Valley Oregon 2026
Best Medicare Plans in Happy Valley, Oregon 2026 Guide Meta Description: Comparing the best Medicare Advantage and Medicare Supplement plans availabl
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Blog Post: Social Security Timing for Oregon Residents — When to Claim in 2026
Social Security Timing for Oregon Residents: When to Claim in 2026 Meta Description: Oregon-specific Social Security claiming guide. Learn how Oregon
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FICA Reduction for Oregon Small Businesses: How to Save $40,000+ Per Year
FICA Reduction for Oregon Small Businesses: How to Save $40,000+ Per Year By Rodney Cummings, RSSA® | Legacy Wealth Services | Happy Valley, OR --- I
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FICA Tax Reduction: How Small Business Owners Save $40,000+ Per Year
FICA Tax Reduction: How Small Business Owners Save $40,000+ Per Year Meta Description: Oregon small business owners are legally reducing their FICA t
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Group Health Insurance for Small Businesses: What Oregon Employers Need to Know in 2026
Group Health Insurance for Small Businesses: What Oregon Employers Need to Know in 2026 Meta Description: Oregon small businesses face rising health
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How Social Security Fits Into Your Complete Oregon Retirement Income Plan
How Social Security Fits Into Your Complete Oregon Retirement Income Plan Social Security is your largest guaranteed income source — but it's only on
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Life Settlements: What Oregon Seniors Need to Know Before Letting a Policy Lapse
Life Settlements: What Oregon Seniors Need to Know Before Letting a Policy Lapse By Rodney Cummings, RSSA® | Legacy Wealth Services | Happy Valley, O
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Oregon's $1 Million Estate Tax Trap: How to Protect Your Family
Oregon's $1 Million Estate Tax Trap: How to Protect Your Family Most Oregon families don't realize they have an estate tax problem. If your total ass
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Oregon Probate: What It Costs, How Long It Takes, and How to Avoid It
Oregon Probate: What It Costs, How Long It Takes, and How to Avoid It Probate is the court-supervised process of distributing a deceased person's est
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Retirement Planning in Happy Valley, Oregon: Your 2026 Guide to a Secure Future
A comprehensive 2026 retirement planning guide for Happy Valley and Clackamas County residents covering Medicare, Social Security optimization, annuities, estate planning, and more — from local expert Rodney Cummings at Legacy Wealth Services.
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Spousal & Survivor Social Security Strategies Oregon Couples Must Know
Spousal & Survivor Social Security Strategies Oregon Couples Must Know For married couples in Oregon, Social Security isn't just two individual decis
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The Social Security Break-Even Myth: Why the Math Most People Use Is Wrong
The Social Security Break-Even Myth: Why the Math Most People Use Is Wrong By Rodney Cummings, RSSA® | Legacy Wealth Services | Happy Valley, OR ---
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VA Benefits & Medicare: The Complete Guide for Oregon Veterans Turning 65
VA Benefits & Medicare: The Complete Guide for Oregon Veterans Turning 65 By Rodney Cummings, RSSA® | Legacy Wealth Services | Happy Valley, OR --- I
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The Social Security Earnings Test: What Happens If You Claim Early and Keep Working
The Social Security Earnings Test: What Happens If You Claim Early and Keep Working One of the most misunderstood rules in Social Security can cost y
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5 Alternatives to Letting Your Life Insurance Lapse (And Which One Pays the Most)
Can't afford your life insurance premiums? Before you let the policy lapse — and hand the insurance company everything you've paid — read this. There are 5 alternatives, and one of them can pay you 4–6x what the carrier will offer.
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7 Steps to Retire Happy: A Practical Roadmap for Oregon Retirees
7 Steps to Retire Happy: A Practical Roadmap for Oregon Retirees Retirement isn't one decision — it's a sequence of decisions, each one building on t
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Annuity vs. 401(k): Which Is Better for Retirement Income in 2026?
Annuity vs. 401k: Which Is Better for Retirement Income in 2026? By Rodney Cummings | Legacy Wealth Services | Updated May 2026 --- If you're between
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Best Age to Buy an Annuity: Why 60–70 Is the Ideal Window (And What to Do Before That)
Timing matters enormously when buying an annuity. Buy too early and you miss growth potential. Wait too long and you leave income on the table. Here's the age-by-age breakdown.
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Estate Planning for Business Owners: Why Your Business Needs Its Own Plan
Estate Planning for Business Owners: Why Your Business Needs Its Own Plan You spent decades building your business. But without a proper business est
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Final Expense Insurance vs. Term Life: What Seniors Over 60 Actually Need
Confused about final expense insurance vs. term life? Learn the real differences, costs, and which type of life insurance makes sense for seniors over 60 — including burial insurance, whole life, and FEX policies.
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Fixed Index Annuities in 2026: How They Work, What They Pay, and Who Should Buy One
Fixed Index Annuities in 2026: How They Work, What They Pay, and Who Should Buy One If you've been shopping for retirement income, you've probably he
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Fixed Index Annuity Pros and Cons: The Complete 2026 Guide for Retirees
Fixed Index Annuity Pros and Cons: The Complete 2026 Guide for Retirees If you're within a decade of retirement — or already there — you've probably
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How Are Annuities Taxed in Retirement? The Complete 2026 Guide
Annuity taxation in retirement is more complex than most people realize. Learn how qualified vs. non-qualified annuities are taxed, when RMDs apply, how IULs compare, and strategies to minimize your tax bill in retirement.
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How Much Is My Life Insurance Policy Worth? A Senior's Guide to Policy Valuation
How Much Is My Life Insurance Policy Worth? A Senior's Guide to Policy Valuation By Legacy Wealth Services | Updated May 2026 --- If you've been payi
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How Social Security Benefits Are Calculated: The Complete 2026 Guide
Social Security benefits are calculated using your 35 highest earning years, AIME, and bend points — a formula most people have never seen. Understanding it can help you maximize your lifetime benefit by thousands of dollars.
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How Social Security Affects Your Medicare Premiums (IRMAA Explained Simply)
How Social Security Affects Your Medicare Premiums IRMAA Explained Simply Most people assume their Medicare Part B premium is fixed. It's not — and i
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How to Choose a Medicare Supplement Plan: Plan G vs. N vs. F — Complete 2026 Guide
Comparing Medicare Supplement plans in 2026? Learn the real differences between Plan G, Plan N, and Plan F — including what each covers, what it costs in Oregon, and which plan is right for your health and budget.
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How to Create Tax-Free Retirement Income With an IUL
How to Create Tax-Free Retirement Income With an IUL Your 401k gives you a tax break today. An IUL gives you tax-free income when it matters most — i
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IUL Deep Dive: How Indexed Universal Life Insurance Works as a Retirement Tool
IUL Deep Dive: How Indexed Universal Life Insurance Works as a Retirement Tool By Rodney Cummings, RSSA® | Oregon Insurance License 18847712 --- Inde
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Life Insurance for Seniors Over 65: What You Need to Know in 2026
Life Insurance for Seniors Over 65: What You Need to Know in 2026 If you're over 65 and wondering whether life insurance still makes sense for you —
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Life Insurance in Retirement: When to Keep It, When to Sell It, When to Convert It
Life Insurance in Retirement: When to Keep It, When to Sell It, When to Convert It By Rodney Cummings | Legacy Wealth Services | Oregon License 18847
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Medicare and Social Security: How Your Claiming Age Affects Your Premiums
Discover the hidden connection between when you claim Social Security and what you pay for Medicare — including IRMAA surcharges, Part B premium timing, and how to minimize lifetime healthcare costs.
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Medicare Part D Explained: Drug Coverage, the $2,100 Cap, and How to Choose the Right Plan in 2026
Medicare Part D Explained: Drug Coverage, the $2,100 Cap, and How to Choose the Right Plan in 2026 By Rodney Cummings, RSSA® | Oregon Insurance Licen
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Medicare Supplement Plan G vs Plan N vs Plan F: Which Is Right for You in 2026?
Medicare Supplement Plan G vs Plan N vs Plan F: Which Is Right for You in 2026? If you're turning 65 or re-evaluating your Medicare coverage, you've
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Order of Returns Risk: Why the Sequence of Market Returns Matters More Than the Average
Order of Returns Risk: Why the Sequence of Market Returns Matters More Than the Average Here's a financial concept that doesn't get nearly enough att
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Oregon Retirement Taxes: What Every Oregon Retiree Needs to Know in 2026
Oregon Retirement Taxes: What Every Oregon Retiree Needs to Know in 2026 By Rodney Cummings, RSSA® | Oregon Insurance License 18847712 --- Oregon is
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Roth Conversion Strategy in Retirement: The Complete 2026 Guide
Converting traditional IRA money to a Roth IRA during early retirement can save tens of thousands in taxes. Here's how the strategy works, when it makes sense, and how it connects to Social Security, RMDs, and annuity income planning.
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Retirement Taxes by State: The Complete 2026 Guide for Every Retiree
Retirement Taxes by State: The Complete 2026 Guide for Every Retiree Two retirees. Same $120,000 annual income. Same Social Security benefit, same pe
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Spend Your Money, Leave Life Insurance: A Smarter Legacy Strategy
Spend Your Money, Leave Life Insurance: A Smarter Legacy Strategy Most people try to die with a big pile of money. There's a smarter way — one that l
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The 4% Rule Is Broken — Here's What Actually Works
The 4% Rule Is Broken — Here's What Actually Works If your retirement plan is built around the 4% rule, you may be standing on a foundation that was
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The Go-Go, Slow-Go, and No-Go Years: How to Plan Retirement Income for Every Phase
The Go-Go, Slow-Go, and No-Go Years: How to Plan Retirement Income for Every Phase Most people think about retirement as one long stretch of time — y
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The FICA Reduction Strategy Most CPAs Don't Know About
The FICA Reduction Strategy Most CPAs Don't Know About By Rodney Cummings | Legacy Wealth Services | Oregon License 18847712 --- Every payroll cycle,
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The Medicare Checklist for Turning 65 in 2026: 7 Steps to Avoid Costly Mistakes
The Medicare Checklist for Turning 65 in 2026: 7 Steps to Avoid Costly Mistakes Meta description: Turning 65 in 2026? Use this step-by-step Medicare
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Viatical Settlement vs. Life Settlement: What's the Difference and Which Is Right for You?
Viatical Settlement vs. Life Settlement: What's the Difference and Which Is Right for You? By Rodney Cummings | Legacy Wealth Services | Updated May
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What Are Mortality Credits? The Secret Advantage Annuities Have Over CDs and Bonds
What Are Mortality Credits? The Secret Advantage Annuities Have Over CDs and Bonds If you've ever compared an annuity payout to a CD rate or bond yie
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What Is a GLWB Rider and Why It's the Most Valuable Feature in a Fixed Index Annuity
GLWB riders (Guaranteed Lifetime Withdrawal Benefits) are the reason many retirees choose fixed index annuities. Here's exactly how they work, what they cost, and when to turn them on.
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What Is a QLAC? The Longevity Annuity That Reduces Your RMDs and Protects Your Late Retirement
A QLAC (Qualified Longevity Annuity Contract) lets you defer up to $200,000 of IRA money to age 85, reducing your RMDs today and guaranteeing income for life in your 80s. Here's how it works and who it's right for.
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What to Do With Life Settlement Proceeds: 7 Smart Strategies for Retirees
You've sold your life insurance policy and received a lump sum. Now what? Here are 7 smart ways retirees are putting life settlement proceeds to work — from guaranteed income to long-term care to estate planning.
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What Is an RSSA® and Why It's Different From a Financial Advisor for Social Security
An RSSA® (Registered Social Security Analyst) specializes exclusively in Social Security optimization — something most financial advisors aren't trained to do. Here's what the credential means and why it matters for your retirement.
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Your Life Insurance Policy May Be Worth More Than You Think: A 2026 Guide to Life Settlements
Your Life Insurance Policy May Be Worth More Than You Think: A 2026 Guide to Life Settlements Most people think of a life insurance policy as having
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Estate Planning Basics: Wills, Trusts, and What Happens If You Have Neither
Meta Description: Learn estate planning basics in 2026—wills, trusts, POAs, and what happens without a plan. Protect your family with Legacy Wealth S
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Group Health Insurance for Small Businesses: The 2026 Complete Guide
Meta Description: Discover how small businesses can offer competitive group health insurance in 2026. Compare plans, understand ACA rules, and maximi
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The Hidden Costs of Small Business Group Health Insurance (And 3 Ways to Reduce Them)
Most small business owners are overpaying for group health insurance without realizing it. Here are the hidden costs eating into your margins — and three proven strategies to reduce what you pay.
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How to Build Tax-Free Retirement Income: The IUL Strategy Explained
Indexed Universal Life Insurance (IUL) is one of the most powerful — and least understood — tools for creating tax-free retirement income. Here's exactly how it works and who it's right for.
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Long-Term Care vs. Life Insurance: Which One Actually Protects Your Retirement?
Most retirees don't realize they may need both long-term care protection AND life insurance. Here's how to decide which comes first — and how hybrid policies can solve both problems at once.
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Medicare Special Needs Plans (SNPs): Who Qualifies and What's Covered
Meta Description: Discover Medicare Special Needs Plans SNPs in 2026 — who qualifies, what's covered, and how D-SNP, C-SNP & I-SNP plans compare. Get
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Remote Patient Monitoring 2026: A Complete Guide for Medical Practices
CMS reimburses $85,000–$150,000+ annually per physician for qualifying Remote Patient Monitoring programs. Here's exactly how it works, who qualifies, and how to implement it with zero upfront cost.
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Remote Patient Monitoring: How Clinics Add Revenue Without Adding Staff
Meta Description: Discover how remote patient monitoring RPM helps clinics generate $150–$300+ per patient monthly using Medicare CPT codes — no extr
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What Happens to Your Life Insurance Policy When You Can't Afford the Premiums?
Struggling to pay life insurance premiums? Before you let the policy lapse, you need to know about life settlements — a legal way to sell your policy for cash, often far more than the surrender value.
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What Is a Life Settlement and How Much Can You Get?
Meta Description: Discover what a life settlement is, how much you can get 30–60% of death benefit, who qualifies, and how to sell your life insuranc
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Why Oregon Seniors Pay Too Much for Medicare (And How to Fix It)
Oregon Medicare beneficiaries often overpay by hundreds or thousands of dollars per year due to missed enrollment windows, wrong plan choices, and IRMAA traps. Here's how to fix it — and what to do before your 65th birthday.
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Blog Post 1: Medicare Advantage vs. Medicare Supplement: Which Plan Is Right for You?
Medicare Advantage vs. Medicare Supplement: Which Plan Is Right for You? Target Keywords: Medicare Advantage vs Supplement, Medigap plans, Medicare c
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Blog Post 2: IUL Insurance — The Hidden Retirement Asset Most People Miss
IUL Indexed Universal Life Insurance: The Hidden Retirement Asset Most People Miss Target Keywords: indexed universal life insurance, IUL benefits, t
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Blog Post 3: FICA Tax Reduction — The Business Strategy Your CPA Probably Hasn't Told You About
FICA Tax Reduction: The Business Strategy Your CPA Probably Hasn't Told You About Target Keywords: FICA contribution reduction, business tax savings,
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Blog Post 4: Social Security Spousal Strategies — How Couples Can Maximize $100,000+ in Lifetime Benefits
Social Security Spousal Strategies: How Couples Can Maximize $100,000+ in Lifetime Benefits Target Keywords: Social Security spousal benefits, maximi
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Blog Post 5: Life Settlements Explained — Why Seniors Are Selling Their Life Insurance Policies for Cash
Life Settlements Explained: Why Seniors Are Selling Their Life Insurance Policies for Cash Target Keywords: life settlement, sell life insurance poli
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Estate Planning Basics: Why a Will Is Not Enough (And What to Do Instead)
Estate Planning Basics: Why a Will Is Not Enough And What to Do Instead Most Americans believe that having a will means their estate is in order. Mos
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FICA Tax Reduction: How Smart Business Owners Are Legally Saving $40,000+ Per Year
FICA Tax Reduction: How Smart Business Owners Are Legally Saving $40,000+ Per Year Most business owners are writing a check to the IRS every payroll
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Fixed Index Annuities Explained: Safe Growth Without Market Risk
Fixed Index Annuities Explained: Safe Growth Without Market Risk If you've spent the last decade watching your retirement account swing wildly with e
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Fixed Index Annuities (FIA) Explained: Growth Without the Stock Market Risk
Fixed Index Annuities FIA Explained: Growth Without the Stock Market Risk You want your retirement savings to grow. You also want to sleep at night w
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Group Health Insurance for Small Businesses: What Owners Need to Know in 2025
Group Health Insurance for Small Businesses: What Owners Need to Know in 2025 Offering health insurance is one of the most powerful tools small busin
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How FICA Tax Reduction Works for Small Businesses (And Why Most Owners Don't Know About It)
How FICA Tax Reduction Works for Small Businesses And Why Most Owners Don't Know About It If you own a small business with employees, there's a very
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How Oregon Small Businesses Are Legally Reducing Payroll Taxes with FICA Contribution Reduction
How Oregon Small Businesses Are Legally Reducing Payroll Taxes with FICA Contribution Reduction Most small business owners believe payroll taxes are
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IRMAA 2026: How High Earners Pay More for Medicare — and How to Reduce It
IRMAA 2026: How High Earners Pay More for Medicare — and How to Reduce It Most people assume Medicare Part B costs $202.90/month in 2026. But if your in
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Is a Fixed Index Annuity Right for You? FIA vs. Variable Annuity vs. CD — A 2026 Comparison
Is a Fixed Index Annuity Right for You? FIA vs. Variable Annuity vs. CD — A 2026 Comparison By Rodney Cummings, Retirement Income Specialist | Legacy
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IUL Life Insurance: The Tax-Free Retirement Strategy Most People Have Never Heard Of
IUL Life Insurance: The Tax-Free Retirement Strategy Most People Have Never Heard Of Most people building toward retirement are doing it the same way
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Life Settlements Explained: How to Turn an Unwanted Life Insurance Policy Into Cash
Life Settlements Explained: How to Turn an Unwanted Life Insurance Policy Into Cash Most people assume that when they no longer need or can no longer
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Life Settlements Explained: How to Turn Your Life Insurance Policy Into Cash
Every year, thousands of Americans over age 65 let life insurance policies lapse, surrender them back to the carrier for a fraction of their value, or
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Life Settlements Explained: Turn Your Life Insurance Policy Into Cash
Life Settlements Explained: Turn Your Life Insurance Policy Into Cash By Rodney Cummings, RSSA® | Legacy Wealth Services --- Most people think there
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Life Settlements vs. Lapsing Your Policy: Why Seniors Are Leaving Millions on the Table
Life Settlements vs. Lapsing Your Policy: Why Seniors Are Leaving Millions on the Table Every year, American seniors lapse or surrender life insuranc
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Medicare Advantage vs. Medicare Supplement: Which Plan Is Right for You in 2025?
You turn 65, and suddenly your mailbox fills with Medicare mailers. Your phone rings with plan comparisons. A neighbor swears by her Medicare Advantag
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Medicare Advantage vs. Medicare Supplement: Which Plan Is Right for You?
Medicare Advantage vs. Medicare Supplement: Which Plan Is Right for You? Every year, millions of Americans turn 65 and face the same moment: they ope
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Medicare Advantage vs. Supplement: The Complete 2026 Guide
Medicare Advantage vs. Medicare Supplement: The Complete 2026 Guide By Rodney Cummings, RSSA® | Legacy Wealth Services --- If you're approaching Medi
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Medicare Open Enrollment 2026: What Oregon Residents Need to Know Before October 15
Medicare Open Enrollment 2026: What Oregon Residents Need to Know Before October 15 The Annual Enrollment Period AEP runs October 15 – December 7. If
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Medicare Part D Explained: How Prescription Drug Coverage Works in 2025
Medicare Part D Explained: How Prescription Drug Coverage Works in 2025 If you're turning 65 or already on Medicare, Part D is one decision that can
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Remote Patient Monitoring for Medical Practices: How to Add Revenue and Improve Outcomes Without Adding Staff
Remote Patient Monitoring for Medical Practices: How to Add Revenue and Improve Outcomes Without Adding Staff Independent practices and hospital syst
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Should You Sell Your Life Insurance Policy? A Plain-English Guide to Life Settlements
Should You Sell Your Life Insurance Policy? A Plain-English Guide to Life Settlements Most people don't know they can sell their life insurance polic
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Social Security Spousal Benefits: The Strategies That Could Add $100,000+ to Your Retirement
Social Security Spousal Benefits: The Strategies That Could Add $100,000+ to Your Retirement Most married couples approach Social Security the same w
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Social Security Timing Strategy: Why the 'Right' Age to Claim Could Be Worth $100,000+
Most Americans make their Social Security claiming decision in a matter of minutes. They turn 62, realize they can start receiving benefits, and file
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Spousal Social Security Strategies: How Couples Can Maximize Their Benefits
Spousal Social Security Strategies: How Couples Can Maximize Their Benefits Social Security is often thought of as an individual decision — you turn
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The Optimal Age to Claim Social Security — Why 62, 66, and 70 Are All Wrong for Most People
The Optimal Age to Claim Social Security — Why 62, 66, and 70 Are All Wrong for Most People Every year, millions of Americans make a permanent financ
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What Is an IUL and Is It Right for Your Retirement?
What Is an IUL and Is It Right for Your Retirement? Indexed Universal Life insurance is one of the most misunderstood financial products in the marke
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What Is an IUL (Indexed Universal Life Insurance) and Is It Right for You?
What Is an IUL Indexed Universal Life Insurance and Is It Right for You? Few financial products generate more curiosity — and more confusion — than I
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When Should You Take Social Security? The Complete RSSA® Guide for 2026
When Should You Take Social Security? The Complete RSSA® Guide for 2026 By Rodney Cummings, RSSA® | Legacy Wealth Services --- "When should I take So
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When Should You Take Social Security? The Question That Could Cost — or Save — You $100,000+
When Should You Take Social Security? The Question That Could Cost — or Save — You $100,000+ The decision of when to begin taking Social Security ben
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When to Enroll in Medicare: The Complete T65 Checklist
When to Enroll in Medicare: The Complete T65 Checklist Turning 65 is a milestone — and so is Medicare enrollment. But if you miss a deadline or sign
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Why Every Oregon Retiree Needs a Trust — And Why a Will Alone Isn't Enough
Why Every Oregon Retiree Needs a Trust — And Why a Will Alone Isn't Enough If you've told yourself "I'll get my estate plan done someday," you're not
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7 Costly Medicare Enrollment Mistakes (And How to Avoid Every One)
7 Costly Medicare Enrollment Mistakes And How to Avoid Every One By Rodney Denno, RSSA® | Legacy Wealth Services --- You've worked your entire career
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Fixed Index Annuities vs. CDs vs. Bonds: Where Should Your Retirement Money Go in 2025?
Fixed Index Annuities vs. CDs vs. Bonds: Where Should Your Retirement Money Go in 2025? By Rodney Denno, RSSA® | Legacy Wealth Services --- If you're
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SEO Blog Post 1 — Medicare Advantage vs. Medicare Supplement in 2026
Medicare Advantage vs. Medicare Supplement in 2026: Which Is Right for You? Here's a truth most people don't hear until it's too late: choosing the w
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SEO Blog Post 2 — The Social Security Decision That Could Cost (or Make) You $200,000
The Social Security Decision That Could Cost or Make You $200,000 Most people spend more time researching a new car than they do planning when to cla
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SEO Blog Post 3 — Why a Will Isn't Enough: Estate Planning Essentials for Oregon Families
Why a Will Isn't Enough: The Estate Planning Essentials Every Oregon Family Needs Most people feel a quiet sense of relief after signing a will. That
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Your Life Insurance Policy May Be Worth Far More Than You Think — Here's How to Find Out
Your Life Insurance Policy May Be Worth Far More Than You Think — Here's How to Find Out By Rodney Denno, RSSA® | Legacy Wealth Services --- Every ye
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Life Settlements Explained: How to Turn a Life Insurance Policy Into Cash
Life Settlements Explained: How to Turn a Life Insurance Policy Into Cash By Rodney Cummings, Legacy Wealth Services — Retirement Planning & Life Set
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When Should You Take Social Security? What the Math Says About 62 vs. 70
When Should You Take Social Security? What the Math Says About 62 vs. 70 By Rodney Cummings, Legacy Wealth Services — Retirement Income Specialist se
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Why Medicare Doesn't Cover Dental — And What to Do About It
Why Medicare Doesn't Cover Dental — And What to Do About It By Rodney Cummings, Legacy Wealth Services — Medicare & Ancillary Coverage Specialist ser