Hi Toni: My parents are getting older and my sister and I cannot even discuss the subject of wills, living wills or power of attorney for finances or medical with our parents. I have been told that if we do not have a Power of Attorney in...
Retirement Resources

You’ve worked hard for your retirement; now let’s make sure it’s protected. Navigating this new chapter involves more than just picking a plan. It’s about understanding how Social Security, health insurance, and long-term care all fit together.
We created this resource center to be your “one-stop shop” for senior life. Browse retirement resources below or visit one of these other helpful categories:
Divorced?? How to Get Social Security Benefits From an Ex-Spouse??
Hello Toni: About 10 years ago, I was divorced after 25 years of marriage and I was the stay-at-home mom with 4 kids while my husband worked each day and grew his company to over 60 employees. Now that the kids have grown, I am not receiving child or spousal...
TRS Medicare Plans…Which One Is Right For Me??
Reader Alert: 12 weeks to October 15th…Medicare’s Open Enrollment Countdown begins… In the past few days, I have had emails regarding mail already being sent in regards to Medicare Open Enrollment, this October 15th and I wanted my readers to be aware that...
Retired Teachers Concerned About TRS Medicare Changes!!
Toni: I suspect you have had a number of questions regarding what is the best course for a Texas retired teacher (with expensive medical costs) and spouse to select between two alternatives; a new PPO Medicare Advantage plan or keeping the old plan at a slight...
Veterans Benefits and Medicare are Confusing!!
Dear Toni: I am a disabled Viet Nam Vet and am finally turning 65 this March. I am just completely confused and really not sure with what I should do. I use Michael DeBakey VA Center for all of my Doctor visits and prescriptions. I have talked with a few...


