“Our members actually walk into the door of our headquarters to ask questions. And I think that's pretty cool, and this happens very frequently. And I think that creates a certain stickiness with these members, such that they can go talk to a human being in our headquarters, ask a question, get guidance, versus calling a generic 1-800 number in the back of their ID card. I think that's really how we stand out as being that local health plan where people can literally come into the door and ask us questions, and they do.”

- Gregg Kimmer, President and CEO of ATRIO Health Plans

“Value-based care is at the core of what we do, and the consumer may not realize that they're benefiting from it, but they are. We are taking unnecessary costs out of the system. So for instance, making the primary care physician copay $0 instead of $20, you're encouraging the person to go create a relationship with the primary care physician such that they won't go to the ER for a headache. Okay? You're removing all financial obstacles from that person, creating that relationship, with that primary care physician. That's one core example of value-based care. And again, I don't think the consumer may realize our motivation here, but it's actually to help them such that we don't put more and more waste into the American healthcare system.”

- Gregg Kimmer, President and CEO of ATRIO Health Plans

“Then, there's the fear. There's a lot of fear of the unknown and like, "Well, if I just stay right here and don't do anything, then I'll be okay," but that freezes the person.  So, it's important to keep going, and it's important to raise your hand if you're not feeling well because retirement is universal. It crosses all countries. It crosses all cultures. How we deal with it is on you, and to raise your hand. So I think that that's really important. Fear can look like anxiety. It can look like many different things. So know your triggers.

- Nancy Schwartz, Founder of Envision Healthy Retirement

 “Thinking that your corporate buddies will have the time to play with you? They don't. They're running companies. Maybe they could see you Sunday afternoon for two minutes and play around to golf, but that's it. They can't go traveling with you and whatever. It's a shock because people will say, "I thought my buddies were my buddies. Well, what happened?" Well, you're out, they're in.”

“I have actually a neighbor who has been a CEO many, many times over - miffed, "How could they possibly make a decision like that in my company without running it by me?" But he's not inside, right? You have to point that out to him. It's those kinds of things that can really set people into tailspins.”

- Nancy Schwartz, Founder of Envision Healthy Retirement

There are basically three ways you can consume your Medicare coverage when you're 65 or older. And the first way is what I call “Bare-with-Medicare”, and that's using your Original Medicare part A and Part B made in the sixties. It's a red, white, and blue card, and then adding a prescription drug plan or a Part D plan on top of it. The second way is to add a Medigap or a Medicare Supplement plan on top of that. There are a lot of gaps in Original Medicare that those plans cover. And then there's a third option called Medicare Advantage or Medicare Part C, that is kind of all in one combo plans. It takes the best of Medicare A and B and D and puts it in one plan."

-  Matt Feret, Author

“Be very strategic in how you are going to leave your assets to the next generation. I do talks on multi-generational wealth all the time. And the number one thing that I saw in my own family, but also that I see with other people, is that they start gifting things, they start giving things away, and it's creating tax impacts for the people that they're giving to.”

“They're not being as effective with how they could pass on their assets. And so really just sit down with a good retirement strategist and really think through how can you hold onto these assets to create the most cash flow and appreciation for me now in tax benefits, and then how can we organize it and make sure that when it goes onto my heirs, that the (tax) basis get stepped-up for them and we can create win-wins for everybody.”

- Whitney Elkins-Hutten, Director of Investor Education at passiveinvesting.com

“I would really encourage anybody listening, ask that question, what do you want? Why do you want it? And who do you need to become? Those are three questions to ask. And that will really help inform you, do I really want to be a hands-on investor, or do I want to place it with property management? I will tell you, when I added in property management, that allowed me to scale faster, and that property manager was able to work with the tenant far better than I could. They could do so many things far better than I could. I also encourage people, don't get into the real estate game with the idea that you're only going to have one rental property.”

- Whitney Elkins-Hutten, Director of Investor Education at passiveinvesting.com

“It's kind of a recognition of the moment that this is really difficult to do on your own. It really comes down to finding a trusted source. And so, I think, in our current environment, having a trusted local Medicare agent that knows your state laws through and through, knows your instances, has served many folks in your community before, that have been in the same situation that you have been, because every situation is different.”

- Bryan Derheim, Vice President – Senior Product Sales & National Accounts

“Another thing that can really affect (Medicare Supplement) pricing is what state you live in. Every state is managed by a DOI, Department of Insurance, and they dictate and set the rules of how Medigap plans are going to work in their specific state. And for states that are more open for consumers, and have options to say, switch their plans every single year, versus states that are more restrictive, and those same options don't exist, that can lead to different pricing. And if a state does, I'll call it, more restrictive for the consumer, what that does mean, generally, is that price is actually a little bit lower. And if the state gives a consumer more rights around (Medicare Supplement) Guaranteed Issue and have other things that are tilted more in the benefit of the consumer, that also is generally reflected in the premium, and those states will have a little bit higher premiums.”

- Bryan Derheim, Vice President – Senior Product Sales & National Accounts

“I did interview women with all kinds of different diseases. What was so interesting to me was that they had several behaviors in common regardless of their particular disease.

The first thing I found, which did not surprise me at all, is that women put themselves last. There was this study done where they gave women a list of five items to prioritize, which would they care for first, and first we care for our children. Second, you'll love this, we care for our pets, then we care for our significant other and elderly family members. Last but not least, we care for ourselves.”

- Susan Salenger, Author

“I really learned was that women hesitate to get second opinions much more often than men do. I thought that was interesting because, really, the chapter in my book on second opinions is perhaps one of the most important chapters because it's so important to get a second opinion.

Women have been taught to play nice. We don't want to be rude, we don't want to hurt the doctor's feelings. All of that goes on, and so we just... I have so many women said to me, "Well, he was the professional. Who am I to question him?"

- Susan Salenger, Author