cover art for "Financial Wellness: Navigating Retirement Challenges and Government Assistance" with John K. Ross

Rejuvenaging with Dr. Ron Kaiser

"Financial Wellness: Navigating Retirement Challenges and Government Assistance" with John K. Ross

Ep. 181

John K. Ross is a nationally-recognized expert in estate planning, asset protection, and taxation. He runs one of the largest boutique estate planning and asset protection law firms in Texas, covering over 40 counties in Texas and Arkansas. His team helps families with a variety of needs, including designing asset protection strategies for high-risk individuals, helping the elderly protect their life savings from nursing home costs, and developing plans for disabled individuals including special needs trusts. On this episode of Rejuvenating with Dr. Ron Kaiser, John provides his insights and knowledge on how to better manage money and lead a high quality of life for as long as possible.

John and Ron discuss the current state of the economy and how it is affecting retirees. They agree that inflation is out of control and that it is hitting retirees hard, as their Social Security checks and pensions do not go as far as they had anticipated. Additionally, many have seen their 401ks and IRAs drop 20-40%, meaning their savings will not last as long. John suggests ways for retirees to be less scared and make it to the end financially, such as budgeting and creating a plan as to what to do if something unexpected happens.

This conversation focuses on people of all ages who are facing financial difficulty and explores the potential benefits of government assistance programs. The speaker notes that many people assume they won’t qualify for government assistance programs, but that most of the time these assumptions are unfounded. For those raising a family, a Children’s Health Insurance Program could be a big help in relieving the financial burden of health insurance for young children. For elderly people, food programs through the Area Agencies on Aging could provide much-needed relief on the cost of food. By taking advantage of these programs, people may be able to free up money to put back into savings.

People tend to be unaware of the benefits available to them, especially seniors. To start, one can look into their state's Department of Health and Human Services website. Additionally, almost every metropolitan service area has an Area Agency on Aging which specializes in government programs specifically tailored to seniors. These can include meal programs, housing assistance, and other programs where Medicare premiums are paid for by Medicaid. Even a small savings of $160 per month on a Social Security check can make a significant difference for some seniors.

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