Do you feel overwhelmed by Medicare commercials, confusing deadlines, and surprise costs? In this Farm Truck Financial episode, Eric Kearney sits down with Southwest Florida Medicare expert Carmela to simplify the Medicare maze and help you avoid expensive mistakes.Schedule a farm-fresh second opinion with Retirement Wealth Advisors: https://farmtruckfinancial.com | Or call 601-THE-FARM to book a conversationWhen it comes to Medicare, it is easy to get “sold” something and never hear from that company again. That is why Eric brings Carmela back for a deeper dive into the real questions retirees ask, including Medicare Select, enrollment timing, and how Medicare fits into a full financial plan.In this conversation, you will learn how the key ages 62, 65, and 67 connect Social Security and Medicare decisions, and why the timing matters for income planning, taxes, and healthcare costs. Carmela also explains IRMAA, the Income-Related Monthly Adjustment Amount, and why Social Security uses a two-year lookback when calculating Medicare premium surcharges. (And if your income dropped due to retirement or another life change, there may be a way to appeal and get those premiums adjusted.)Eric and Carmela also break down the difference between Original Medicare with a supplement (Medigap) versus Medicare Advantage plans, including the real-world impact of provider networks and what happens when doctors move in and out of network. They cover what Medicare does not cover, including common gaps like dental, vision, and hearing, and they discuss the retirement “budget buster” that catches families off guard: long-term custodial care.If you are still working past 65, Carmela explains what to look for in employer coverage so you can delay Part B without penalties, plus an important heads-up if you are contributing to an HSA.Investment Advisory Services offered through Retirement Wealth Advisors, Inc. (RWA) an SEC Registered Investment Advisor. Eric Kearney Advisor, LLC, Retirement Wealth Advisors, LLC and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

A massive generational wealth transfer is already underway, and women are positioned to become the primary stewards of what comes next. Eric Kearney and CFP® Donna Krohn break down the real concerns, the hidden challenges, and the planning process that helps turn overwhelm into confidence.Call Retirement Wealth Advisors for a farm fresh second opinion and a complimentary review of your finances.In this highlight from Farm Truck Financial, we cover why women often face bigger longevity and healthcare questions, why “helping family” can quietly derail retirement, and how shifting from “saver” to “investor” can change the outcome of a long retirement. You’ll also hear a real story about an inheritance that felt overwhelming at first, and how a guided process helped the family move forward without panic decisions.Learn more about Retirement Wealth Advisors and schedule a conversation.

Want to feel stronger in real life, not just in the gym? Senior Fitness Specialist Buffy Hagood breaks down the simple movements that protect your independence, boost confidence, and keep you doing what you love.Visit https://myincomeplan.com for a complimentary review of your finances, and start building a stronger plan for your retirement lifestyle.On this highlight from Farm Truck Financial, Eric Kearney sits down with repeat guest Buffy Hagood, a certified Senior Fitness Specialist with advanced training in corrective exercise. Together they connect the dots between retirement planning and the one asset you can’t replace: your health.Buffy explains why it’s never too late to build muscle, how strength training improves daily living, and why functional fitness is the key to staying independent. You’ll also learn the “primal movement” checklist everyone should keep: squat, lunge, push, pull, and hinge, plus the balance and stability that come with doing them consistently.If you’ve ever struggled with lifting luggage, carrying groceries, getting up from the floor, or just moving without pain, this conversation will reframe what fitness is really for: living a stronger, longer life.Reach out to Buffy for more information on senior-focused training. And if you have questions about your retirement plan, income strategy, taxes, or portfolio, reach out to Retirement Wealth Advisors. You only retire once, so let’s get it right the first time.

2025 was a wild ride for investors, and 2026 is already lining up its own set of curveballs. Eric Kearney and Joseph Lanza break down the biggest themes—AI, inflation, rates, policy headlines—and share a practical investor checklist to stay proactive.For a farm fresh second opinion, visit https://farmtruckfinancial.com and schedule a complimentary review with Retirement Wealth Advisors.2025 was a wild ride for investors, and 2026 is already lining up its own set of curveballs. Eric Kearney and Joseph Lanza break down the biggest themes—AI, inflation, rates, policy headlines—and share a practical investor checklist to stay proactive.For a farm fresh second opinion, visit https://farmtruckfinancial.com and schedule a complimentary review with Retirement Wealth Advisors.In this conversation, we look back at what drove volatility in 2025, why “waiting for things to calm down” can quietly derail progress, and what to watch as we head into 2026. You’ll also hear a straightforward checklist mindset for navigating uncertainty, protecting income planning, and keeping long-term strategy ahead of short-term emotion.Topics include:AI investing enthusiasm and what to watch nextEconomic strength vs recession predictionsTariff headlines and market reactionsGovernment shutdown risk and market psychologyInflation and the reality of “prices not coming back down”Rate cuts and why inflation can stay stickyPlanning through midterms and political noiseRetirement pressure points like healthcare costsEarly-year planning moves (contribution reviews, tax planning conversations)

A top-performing real estate broker leaves it all behind and heads to Florida to take on one of the Everglades’ biggest invasive threats. Hear how Amy Siewe became the Python Huntress, what a real hunt looks like, and what this kind of grit can teach you about building an investment strategy that actually holds up.Schedule a farm fresh second opinion with Retirement Wealth Advisors and get a plan built around your goals, lifestyle, and income needs. Call today and let’s have a real conversation about what matters to you and how you get there.You’d think it would take a big man to wrestle a 17-foot python, but Amy Siewe does it with skill, composure, and a plan. In this episode of Farm Truck Financial, Eric Kearney sits down with the Python Huntress to talk about what it takes to hunt an invasive species that’s impacting Florida’s ecosystem, how she went from real estate success to full-time python work, and what it’s really like when a python bites.You’ll hear how python hunting actually works, why experience matters more than brute strength, what Amy looks for on night hunts, and why preparation beats panic when the stakes are high. Then we connect the dots back to your retirement: the same discipline that helps you stay calm and execute in the Everglades is the same mindset that helps investors avoid emotional decisions and build strategies that drive results over time.If you’re thinking about retirement and you’re tired of guessing, start planning. Retirement Wealth Advisors helps you cut through complexity and build a plan based on your vision, goals, and income needs.

A warm, heartfelt cooking experience where success isn’t measured in dollars, but in time well spent. Angie Bayne and her daughter Ally invite you into their kitchen to share a family chili recipe, real stories, and the joy of slowing down together.Visit https://myincomeplan.com to learn how Retirement Wealth Advisors helps clients design a life rich in time, connection, and purpose.Welcome to Taste of Success, a special Farm Truck Financial limited-series where success is defined beyond numbers and portfolios.In this episode, Retirement Wealth Advisors client Angela “Angie” Bayne and her daughter Ally open their home—and their hearts—as they cook a cherished family chili recipe together. What begins as a simple meal turns into a powerful conversation about family traditions, creating space for what matters most, and how having the right financial plan can unlock more time for meaningful moments.From neighborhood Halloween chili cook-offs to rediscovering joy in the kitchen, this episode is a reminder that the greatest returns in life are often found around the table.This is Taste of Success—where food, family, and financial freedom come together.

🍴Ally's Childhood Chili Recipe_🍴

Ingredients

Base

• 3 tablespoons vegetable oil
• 3 teaspoons minced garlic
• 2 large sweet onions, chopped
• 1 yellow bell pepper, chopped
• 1 orange bell pepper, chopped
• 1 red bell pepper, chopped

Meat & Seasonings

• 4 pounds ground beef
• 5 tablespoons chili powder
• 3 tablespoons ground cumin
• 1 tablespoon cocoa powder
• 1 teaspoon cayenne pepper
• 3 tablespoons all-purpose flour
• 1 tablespoon dried oregano
• Salt and pepper, to taste

Liquids & Sweeteners

• 1/4 cup brewed black coffee
• 1/4 cup red vinegar
• 3 tablespoons beef broth
• 2 tablespoons brown sugar

Tomatoes & Add-Ins

• 2 (28-ounce) cans crushed or diced tomatoes
• 1 can kidney beans, drained and rinsed
• 1 can black beans, drained and rinsed
• 1 can garbanzo beans, drained and rinsed
• 1 small bag frozen corn

Instructions

In a large pot over medium-low heat, add the vegetable oil and minced garlic. Let simmer gently for about 3 minutes, being careful not to brown the garlic.

Add the chopped sweet onions and cook until translucent.Stir in the yellow, orange, and red bell peppers. Cook on low heat until all vegetables are softened. Remove from heat and set aside.In a separate large pan over medium heat, add the ground beef.

Allow it to begin cooking and browning slightly before adding seasonings.To the beef, add chili powder, ground cumin, cocoa powder, brewed coffee, red vinegar, crushed or diced tomatoes, cayenne pepper, flour, oregano, beef broth, brown sugar, and salt and pepper. Stir well to fully combine.

Once the beef mixture is evenly seasoned and blended, transfer it into the large pot with the cooked vegetables. Stir thoroughly.Add the kidney beans, black beans, garbanzo beans, and frozen corn. Mix well.Reduce heat to low and let the chili simmer for 30 minutes, stirring occasionally.

Serving Suggestions

Serve hot with shredded cheese, jalapeños, chopped onions, sour cream, and tortilla chips.

Medicare doesn’t have to be scary, but it can be expensive if you get it wrong. In this episode of Farm Truck Financial, Eric Kearney sits down with Southwest Florida Medicare specialist Carmella Rose to break down the decisions you face at 60, 65, and 75 so you can avoid costly gaps, penalties, and bad coverage.Ready to integrate Medicare into your overall retirement plan? Call Eric Kearney and the team at Retirement Wealth Advisors to schedule your Farm Fresh Second Opinion and make sure your income, tax, and healthcare plans are working together, not against each other.Medicare isn’t just a healthcare decision – it’s a retirement decision. Eric and Carmella talk through the “Decade of Decisions” from age 60 to 70, where Social Security timing, healthcare choices, and income planning all affect each other. From annual election periods to initial enrollment windows, working past 65, prescription drug plan changes, and the difference between government Medicare and private plans, you’ll learn why “just doing nothing” can be one of the most expensive choices of all.You’ll also hear Carmella’s story as a Cape Coral native, FGCU grad, mom, and local Medicare expert who has spent more than a decade helping Southwest Florida retirees sort through misinformation and sales pitches to find the coverage that truly fits their health, budget, and long-term plan. Eric explains why he and his team partner with specialists like Carmella, estate planning attorneys, and other professionals to help clients see the full picture – not just their investments in isolation.If you’re 60 and feeling that first “retirement is real” wake-up call, 64 and getting bombarded with Medicare mail, or already on Medicare but haven’t reviewed your plan in years, this ride is for you. Learn why the government gives you “guaranteed issue” at 65, what happens if you wait too long or pick the wrong plan, how medical underwriting can lock you out of better coverage later, and why December 7 can be one of the most important dates on your calendar each year.Whether you’re still working with group coverage, considering a switch to Medicare, or trying to decide between Medigap and private sector alternatives, Eric and Carmella explain why you shouldn’t rely on a 1-800 number or a TV commercial to guide one of the most important decisions in your retirement.

On this episode of Farm Truck Financial, Eric sits down with senior-focused personal trainer Lauren Gomes to talk about why muscle really is the “organ of longevity” in retirement. From fall prevention and independence to Alzheimer’s risk and emotional resilience, this conversation will change the way you look at working out in your 50s, 60s, and beyond.If you’re ready to build a retirement plan that supports your lifestyle, health, and legacy, call Eric Kearney and the team at Retirement Wealth Advisors today for a complimentary Farm Fresh Second Opinion on your finances.Staying strong is about far more than looking good. Lauren shares how losing her father in his 50s, navigating stress, emotional eating, and even helping rebuild a tornado-damaged family business pushed her toward a mission: helping people protect their health before crisis hits. She explains how today’s “sit-down culture,” ultra-processed food, and constant convenience quietly steal strength, mobility, and independence if you don’t intentionally fight back with movement.Eric and Lauren break down how muscle mass helps your body use glucose more efficiently, why excess sugar is linked to diabetes and cognitive decline, and why many researchers now refer to Alzheimer’s as “type 3 diabetes.” You’ll hear real-life examples of clients who struggle with basics like getting off the floor, lifting a suitcase, or catching themselves when they trip – and how targeted strength training can restore confidence and independence.They also dive into the psychology of training: how mind–muscle connection can make each rep more effective, how strength work naturally boosts dopamine and serotonin, and why your mood often drops when you stop moving. Eric opens up about his father’s Alzheimer’s journey and how different the health mindset was in that generation, while Lauren explains why she’s studying psychology and natural medicine to support both the body and the brain.Finally, they talk about why being fit has become a new kind of “status symbol” in retirement – your body as your true billboard. If you want to play with grandkids, travel with confidence, and stay independent as long as possible, this episode is a powerful reminder that it’s never too late to start lifting, moving, and planning for a stronger, longer life.