Our Kensington Connect virtual learning experience provided clarity and confidence for those navigating Medicare. Whether you’re approaching Medicare eligibility or already enrolled, please watch this informative conversation.

Our presenter, Mary Beth Franklin, is one of the country’s leading experts on Social Security and Medicare. She is also an award-winning journalist and Certified Financial Planner. Kensington is proud to bring her expertise and guidance to you through event.

Mary Beth covered everything you need to know about Medicare, including enrollment deadlines, considerations for working past age 65, Medicare Advantage, some of the common mistakes to avoid, and much more. 

Please click here to access the virtual event link (Medicare)

For additional details on the event or help with this topic, please contact us. 

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. #9094201 

Artificial intelligence is quickly becoming part of everyday life. While it may offer incredible convenience, it is also creating new risks that are evolving just as fast.

Our Kensington Connect virtual event welcomed former FBI Special Agent Jeff Lanza for a timely virtual conversation on how to use AI more effectively while protecting yourself from emerging threats.

During this session, Jeff shared practical ways to use AI to stay organized and productive, along with how criminals are using it to power more sophisticated scams, including phishing, identity theft, and deepfake impersonations. He also walks through simple, actionable steps you can take to better protect your personal information. 

Please contact us if you have any questions about this session or would like to view the recording.

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. 8842063

Many of life’s biggest financial decisions happen in times of transition like marriage, growing families, career changes or moves, loss of loved ones, retirement, and even unexpected opportunities. At Kensington, we’re proud to help each client through them.

Watch the replay from our most recent Kensington Connect virtual event for a session designed to help you to continue to navigate these pivotal moments with confidence.

Please click here to access the virtual event link (Life's Transitions) 

Our guest speaker is Bruce Feiler, best-selling author of Life Is in the Transitions and The Secrets of Happy Families. Bruce adds depth to this important topic as he shared powerful insights and strategies to help you and your family navigate major life changes with ease. 

• How to handle life’s most challenging transitions
• The surprising science behind resilience and reinvention
• Tools to write your own life story in times of change

This event was offered as a benefit to Kensington clients and friends.

Our Kensington team is here to be a trusted partner when life brings you challenging times. Contact us if there are any current situations you need help navigating.

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

Kensington Connect virtual event - Securing the Future: Strategic Defense Against Fraud & Cyber Threats? You can now watch the full replay.

In this event, a panel of cybersecurity and fraud prevention experts shared practical strategies to help you:

• Recognize and avoid phishing scams and identity theft tactics
• Protect your financial and personal information online
• Build safer habits for everyday digital activities

This session is part of our ongoing commitment to keep clients informed and empowered.

Please access the recording using the following link and passcode:
Strategic Defense Against Fraud & Cyber Threats Event Link     PASSCODE: Q+Xju&0B (passcode is case sensitive and 0 is numeric)

If you have questions after watching, we’re always here to help.

The capabilities of AI (Artificial Intelligence) for business and personal use continue to expand, so it’s time to embrace AI or potentially be left behind! This Kensington Connect event shares practical ways AI can help enhance your life.

Our guest speaker is Russ Kliman¹, a renowned AI expert, and CEO and founder of FutureCrafted. Russ has extensive experience using AI to improve business operations, enhance customer experiences and accelerate growth.

He provided valuable takeaways to help you unlock the power of AI, not only for business use but in your daily life. It is definitely one you won’t want to miss to learn about the power, potential, and practical uses for AI! 

Please click here to access the virtual event link (Power of AI) 

1 Not affiliated with Osaic Wealth, Inc.  The content of this presentation is for informational and educational purposes only. CRN-7020772-091624 

Caring for aging parents has so much significance for so many of us. This is a responsibility that most of us may take on at some point (if we’re not there already). And our team can assure you, it is not the easiest of responsibilities!

If you’re facing this possibility or already caring for a parent, this Kensington Connect informative session offers support, tools, and strategies for all aspects of caregiving for your senior loved ones.

Our guest speaker is Iris Waichler, an experienced social worker and author of the book Role Reversal: How to Take Care of Yourself and Your Aging Parents.

During this session, Iris shares valuable information on:

• How to have the caregiver conversation
• How to build a support network and caregiving team
• The challenges of caregiving and causes of caregiver burnout
• How to prevent and cope with caregiver burnout
• A variety of caregiver resources

Please click here to access the virtual event link (Caring for Aging Parents)

You will need to enter your name and email address to access the recording.

For additional details on the event or help with this topic, please contact us. Our team is here to help you through this important life stage. 

The content of this presentation is for informational and educational purposes only. CRN-6291630-012424

If you missed this Kensington Connect Virtual Event on the topic of brain health, you are invited to view the recording and share it with those in your network who may benefit. 

Because of Kensington’s strong industry partnerships, we are able to share this informative session with distinguished speaker and brain health expert Dr. Marc Milstein at no cost. 

You will find immense value in watching to gain practical, life-changing tips. The recording includes information that you will be able to immediately put to use to improve your brain health and ultimately help keep your brain young.

Please click here to access the virtual event link (Brain Health)

You will need to enter your name, email address and "Paul Gydosh" to access the recording.

It’s our goal at Kensington to be your partner in building your best life. Please reach out to our team if you have any questions or additional needs at this time.

The content of this presentation is for informational and educational purposes only. CRN-5853255-080223

If you missed this Kensington Connect Virtual Event on the topic of finances and college admissions, we have made the recording available for you and for those in your network who may benefit. This is valuable information for anyone who has kids or grandkids in high school with plans to attend college.

One of the most important takeaways from the session is that the FAFSA is not just about financial aid. Many wealthier households can still benefit from scholarships that require the FAFSA to be completed.

We encourage you to share this recording with your family members and friends. In addition, please review the Top 10 Tips discussed in the recording below.

Watch the Recording Here. (Enter your information on the registration page to gain immediate access.)

Top Things You Should Know About the College Process

• Not every college gives academic scholarships for great grades.
• The most scholarship dollars available, by far, are from the colleges themselves, not private scholarships.
• Some colleges will subtract the dollar amount of the private scholarships you've won from the financial aid they award you.
• Income is weighted far more heavily than assets in the financial aid formula.
• Qualified retirement assets and the value of your primary residence are exempt from the FAFSA.
• Grandparent contributions to college no longer affect your ability to qualify for need-based aid.
• Colleges in other states are not always more expensive than many in-state colleges.
• Test-optional means different things to different colleges.
• Just like other major purchases, you can negotiate with some colleges.
• Most NCAA college athletic scholarships are not full rides.

Please reach out to our Kensington team if you have any questions or additional needs at this time.

The content of this presentation is for informational and educational purposes only.  CRN-5460895-021023

Social Security and Medicare can be very confusing topics—yet they are both critical to helping you plan for your future.

Our team held a Kensington Connect virtual event in collaboration with The Resource Group, an alliance of top-tier professionals within the Osaic Wealth, Inc. organization in which we are lifetime members, on this important topic.

Mary Beth Franklin*, one of the nation’s leading experts on Social Security and Medicare, was our guest speaker. Ms. Franklin is a highly acclaimed speaker, journalist, and contributing editor to Investment News.

Here are the Top Ten Tips on Social Security and Medicare Ms. Franklin provided our attendees.

1. Your Age Matters - The amount of your monthly Social Security benefit is determined by your average lifetime earnings and the age when you first claim benefits. Filing for Social Security before your full retirement age (FRA) will reduce your benefits for the rest of your life.
2. Work Can Affect Your Benefits - If you claim Social Security before your full retirement age (FRA) and continue to work, your benefits could be reduced or temporarily withheld if your earnings go over the annual limit. See this year’s earnings limit on the Social Security website.
   
3. Earnings restrictions disappear at full retirement age
   
4. Current Earnings Can Increase Future Benefits - Social Security benefits are based on your highest 35 years of lifetime earnings. Each year you continue to work, regardless of your age and whether you are already receiving Social Security, could increase your future benefits.
5. No Work History? No Problem for Some Spouses - Even if you haven’t worked long enough to be eligible for Social Security benefits, you may be eligible for spousal benefits on your mate’s earnings record. A spousal benefit is worth up to 50% of the worker’s FRA benefit amount.
6. Exes Have Rights Too - If you were married at least 10 years, are divorced and currently single, you may be able to claim spousal benefits on your ex’s earnings record if they are larger than your own retirement benefit.
7. Two Different Benefits - Retirement and Survivor: If you are entitled to retirement benefits and you are a surviving spouse or surviving ex-spouse, you may be able to claim one type of benefit first and switch to the other later.
8. Social Security Benefits are Taxable - Up to 85% of your benefits can be taxed at your ordinary income tax rate.
9. Sign up for Medicare at 65 - If you miss your initial enrollment period, you may have to pay delayed enrollment penalties for the rest of your life.
10. Medicare is Not Free - You’ll pay a monthly premium for Medicare and may be subject to high-income surcharges.

If you’d like to learn more about this topic or get access to the recording of our virtual session, please don’t hesitate to contact our office.

*Mary Beth Franklin is a Contributing Editor at Investment News specializing in Social Security, Medicare and Retirement income. She is not affiliated with Osaic Wealth, Inc. CRN-4974410-092922