Our Editorial

Heritage Insights:
News & Advice
for Your Future.

Practical guidance, plain-English Medicare updates, and retirement planning insights for Dayton-area families.

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Medicare is changing

The only thing constant is change and that is never more true than with Medicare. The health insurers are in financial uncertainty and the…

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Favorite Quote of All Time

I wish I read this sooner and understood its veracity. Here it is: “I bargained with Life for a penny,and Life would pay no…

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Die with Zero (book review)

The book, Die with Zero, Getting All You Can From Your Money and Your Life, is sooooooo good. Admittedly I’m not finished with it…

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Sayings that mean a lot

Be Your Own Best Advocate- my God this one is useful and necessary Family is everything- so true, and they can be messy, but…

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Not Medicare

As an independent insurance agent, specializing in Medicare insurance, I eat, breathe and sleep Medicare. Medicare is easy; get a skilled broker as your…

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Reading Log

I hated reading until my 40s (when I found that reading can be enjoyable IF you pick the right books). Here is a log…

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Hearing Aids (Over-the-counter)

On October 17, 2022 the FDA’s OTC hearing aids rulingwent into effect, allowing the purchase of hearing aids withouta medical exam or prescription.OTC hearing…