Tree Top Insurance | September Newsletter

A Summer To Remember 🌞

Hello from your Tree Top team!One of our agents, Tara, has had a fun-filled summer in Minneapolis with her family—daughters Ida (12) and Beverly (14), husband Ross, and their one-year-old mini golden doodle, Jiffy.

Some highlights included:

• Staying in a whimsical Hobbit-themed cabin in Upsala, MN 🏡

• Leading her Girl Scout troop on horseback riding adventures and a cake decorating class 🎂

• Hosting guests from around the world at her 1960s-themed Airbnb, Kitty’s Time Machine ✈️

And while it wasn’t all play—Tara also became a Registered Social Security Analyst® this summer—she’s looking forward to cozy fall weather and baking her family’s favorite treat: Oatmeal Cookie Apple Crisp (recipe below!).

🍎🍏Recipe of the Month: Oatmeal Cookie Apple Crisp🍏🍎

This comforting dessert is perfect for fall gatherings and always gets rave reviews from Tara’s family and friends.

You can check out the recipe here.

Enjoy a taste of autumn! 🍁 🍂

Social Security: Don't Leave Money on the Table

Did you know there are over 2,700 rules governing how your benefits are determined and thousands of claiming strategies? Unfortunately, most people make a sub-optimal claiming decision because they don’t have any guidance on how to maximize this guaranteed lifetime income.

Great news: Tree Top agent Tara Boedeker is a Registered Social Security Analyst (RSSA®) and can help you determine the optimal claiming strategy to ensure that you receive every dollar that you have earned and are entitled to. Whether you are single, married, widowed, divorced, self-employed, or have other unique considerations, Tara can help. She can analyze all of your possible claiming options using RSSA Roadmap™ Social Security optimization software and can create your personal Social Security benefits plan which includes:

• Claiming options comparison

• Impact of future earnings

• Maximizing spousal and survivor benefits      

• Avoiding benefit reductions

• Impact of pensions (WEP/GPO)                                

• Longevity scenarios

• Cost of living adjustments                           

• Benefits for children and family maximums

Tara’s services are offered free of charge to Tree Top clients. Don't miss out on tens to hundreds of thousands of dollars in potential income during retirement. If you are nearing Social Security filing age and would like a free consultation to guide your future filing decisions, email Tara@treetopins.com. Check out her RSSA profile.

📅 Big Medicare Changes Coming

Medicare is undergoing tremendous change, and we’ll have the full details ready to share with you after October 1st.

We’ll be hosting an informational meetings on October 8th and 9th. 👉 You can join us in person or via Zoom—details coming soon to our Medicare clients!

If you have a Medicare Advantage or Prescription Drug Plan, you will receive a letter from your carrier that is an Annual Notice of Change (ANOC). That letter will come sometime in September. We will discuss these changes in the meeting on October 8th.

Stay tuned so you don’t miss these important updates.

✅ That’s this month’s wrap-up: family fun, a cozy recipe, valuable Social Security guidance, and upcoming Medicare changes you won’t want to miss. Thanks for being part of the Tree Top Insurance community!