Retire Well with Kelly Racicot

Kelly Racicot, RICP®
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Your guide to income planning, tax-smart strategies, and a worry-free retirement. Welcome to Retire Well with Kelly Racicot, your trusted source for retirement planning advice and financial confidence. Each episode, Kelly shares straightforward insights on income planning, managing market risk, tax-saving strategies, and estate planning tools to help you make smart financial choices. Designed for retirees and pre-retirees, this show helps you create dependable income, protect your savings, and avoid common retirement mistakes. Tune in and learn how to make your money last, lower your taxes, and enjoy the worry-free retirement you deserve. It’s time to Retire Well—with clarity, confidence, and peace of mind.

  1. 12/04/2024

    Episode 43 New Retirement Rules For 2025

    On this episode, Kelly talks about some new retirement account rules that take effect for 2025. Whether you’re still working or retired you’ll want to be aware of how some of these new rules might impact you’re your retirement income planning. Interesting Reads USNews.com: What Is The Secure Act Investopedia.com What is the Secure Act and How It Could Affect Your Retirement Kiplinger.com: Secure Act 2.0 Summary  Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com  Get in touch Email info@yourhrsagent.com or call 814-419-8424  Connect on Social www.facebook.com/yourhrsagent www.instagram.com/yourhrsagent.com https://www.linkedin.com/in/kelly-racicot-697ab954 Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us @yourHRSagent.com All rights reserved.

    17 min

  2. 11/13/2024

    Episode 42 What is Holistic Planning and Why Your Retirement Needs It

    A successful retirement plan should focus on more than just managing your financial accounts. This week we dive into holistic planning. What does mean? And how not taking a holistic approach to your retirement plan can lead to unexpected and often unnecessary expenses. Interesting Reads ss.gov: Taxes and your Social Security Benefit Kiplinger.com: Why a Good Retirement Plan Isn’t Separate Pieces Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com  Get in touch Email info@yourhrsagent.com or call 814-419-8424 Connect on Social www.facebook.com/yourhrsagent www.instagram.com/yourhrsagent.com https://www.linkedin.com/in/kelly-racicot-697ab954  Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us online @yourHRSagent.com

    17 min

  3. 10/30/2024

    Episode 41 Avoiding Scams That Target Retirees

    On this Halloween edition of Retire Well, we’re shining a light on the frightening world of scams that target retirees. From too good to be true offers to tech savvy schemes, we’ll help you to avoid being tricked and protect your finances. Interesting Reads USA.gov How To Place or Lift a Freeze on Your Credit Consumer.ftc.gov: Free Credit Report  Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com  Get in touch Email info@yourhrsagent.com or call 814-419-8424  Connect on Social www.facebook.com/yourhrsagent www.instagram.com/yourhrsagent.com https://www.linkedin.com/in/kelly-racicot-697ab954 Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us on line @yourHRS agent.com All rights reserved

    28 min

  4. 09/18/2024

    Episode 40 Phase 2 of Retirement Planning

    When we think about retirement planning, we generally think about saving and investing for our future. But that’s only the beginning. It’s crucial to give proper thought to what’s next. On this week’s episode Kelly dives into how to manage your nest egg and protect yourself from some common mistakes. Take our risk tolerance quiz https://thefinancialhq.com/yourhrsagent.com Interesting Reads Fidelity.com: How to Plan For Rising Healthcare Costs Kiplinger.com: Threats to the Distribution Phase of Retirement  Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com  Get in touch Email info@yourhrsagent.com or call 814-419-8424 Connect on Social www.facebook.com/yourhrsagent www.instagram.com/yourhrsagent.com https://www.linkedin.com/in/kelly-racicot-697ab954 Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us online @yourHRSagent.com All rights reserved.

    14 min

  5. 09/04/2024

    Episode 39 Big Changes Coming To Your Healthcare Plan

    The Inflation Reduction Act is making a BIG impact on Medicare prescription drug plans in 2025. This week Kelly shares how this legislation affects Medicare and if you’re over 65 how your employer plan may be impacted.  Interesting Reads CMS.gov Medicare Prescription Payment Plan Forbes.com What to Do if the $2000 cap jeopardizes your employer coverage Healthinsurance.org Obamacares Subsidy Cliff Eliminated Through 2025 Medicare.gov Avoid Late Enrollment Penalties Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com  Get in touch Email info@yourhrsagent.com or call 814-419-8424 Connect on Social www.facebook.com/yourhrsagent www.instagram.com/yourhrsagent.com https://www.linkedin.com/in/kelly-racicot-697ab954 Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us online www.yourhrsagent.com All rights reserved

    17 min

  6. 08/21/2024

    Episode 38 Do I Still Need Life Insurance in Retirement

    Most people have been told they wouldn’t need life insurance once they retire, but is that true for everyone? This week Kelly talks about who might still need life insurance in their retirement years and also shares a few ways to use life insurance in ways you may not have thought about.  Interesting Reads:  Investopedia.com: Do I Still Need Life Insurance After I Retire? Marketwatch.com: How to Use Life Insurance to Help with Estate Planning Forbes.com How Hybrid Life Insurance Pays for Long Term Care Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com  Get in touch Email info@yourhrsagent.com or call 814-419-8424  Connect on Social www.facebook.com/yourhrsagent www.instagram.com/yourhrsagent.com https://www.linkedin.com/in/kelly-racicot-697ab954 Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us on the web @ your HRS agent.com

    17 min

  7. 08/07/2024

    Episode 37 Managing Your Finances During Election Year Madness

    It’s hard to escape the noise that the surrounds the Presidential election. This week on the show we address some of the fears surrounding how election results impact your future retirement plans and what you should do about it.  Interesting Reads https://www.investopedia.com/investors-election-year-worries-could-be-overblown-experts-say-8410521 https://news.nationwide.com/101123-nearly-half-of-investors-believe-2024-election-will-have-a-big-impact-on-portfolios/  Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com  Get in touch Email info@yourhrsagent.com or call 814-419-8424 Connect on Social www.facebook.com/yourhrsagent www.instagram.com/yourhrsagent.com https://www.linkedin.com/in/kelly-racicot-697ab954 Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or her firm is not licensed.

    16 min

  8. 07/24/2024

    Episode 36: Your Retirement Questions Answered

    This week on week on Retire Well Kelly will be answering questions from our listeners. We’ll be covering topics on Medicare, Income planning and mortgages in retirement.  These are the questions that our Retire Well community wants to know!  Interesting Reads SSA.gov Apply For Extra Help Aging.pa.gov Apply for Pace or Pacenet SSA.gov IRMAA Appeal SSA-44 Nerdwallet.com IRMAA Brackets Kiplinger.com Retirees with Guaranteed Income are Happier Live Longer Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If you have questions about topics discussed on the show or if you’d like to learn more about Kelly and Hometown Retirement Specialists check out www.yourHRSagent.com  Get in touch Email info@yourhrsagent.com or call 814-419-8424  Connect on Social www.facebook.com/yourhrsagent www.instagram.com/yourhrsagent.com https://www.linkedin.com/in/kelly-racicot-697ab954  Kelly Racicot, RICP® is the owner and founder of Hometown Retirement Specialists, LLC. Neither Kelly or her company are affiliated or endorsed by CMS, Medicare, the Social Security Administration, or any government agency.  The preceding information does not constitute tax, legal or investment advice. All opinions and information shared in this episode is for informational purposes only and should not be acted upon with the assistance of a qualified and licensed professional. Guarantees mentioned are subject to the strength and claims paying ability of the insurance company and any mention of rates or performance are subject to change without notice. This podcast shall in no way be construed or interpreted as a solicitation to sell or offer to sell products to any residents of any state in which Kelly or or her firm is not licensed or where otherwise legally permitted. Kelly is licensed in Pennsylvania, Ohio, Maryland and California. If you have questions about the show, Kelly or Hometown Retirement Specialists please visit us at www.yourhrsagent.com

    21 min
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About

Your guide to income planning, tax-smart strategies, and a worry-free retirement. Welcome to Retire Well with Kelly Racicot, your trusted source for retirement planning advice and financial confidence. Each episode, Kelly shares straightforward insights on income planning, managing market risk, tax-saving strategies, and estate planning tools to help you make smart financial choices. Designed for retirees and pre-retirees, this show helps you create dependable income, protect your savings, and avoid common retirement mistakes. Tune in and learn how to make your money last, lower your taxes, and enjoy the worry-free retirement you deserve. It’s time to Retire Well—with clarity, confidence, and peace of mind.

Information

  • Creator
    Kelly Racicot, RICP®
  • Years Active
    2K
  • Episodes
    43
  • Rating
    Clean
  • Copyright
    © 2025 Retire Well with Kelly Racicot
  • Show Website
    Retire Well with Kelly Racicot