Shows
Retire Well with Kelly RacicotEpisode 43 New Retirement Rules For 2025On this episode, Kelly talks about some new retirement account rules that take effect for 2025. Whether you’re still working or retired you’ll want to be aware of how some of these new rules might impact you’re your retirement income planning.Interesting ReadsUSNews.com: What Is The Secure ActInvestopedia.com What is the Secure Act and How It Could Affect Your RetirementKiplinger.com: Secure Act 2.0 Summary Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. Sh...2024-12-0417 minRetire Well with Kelly RacicotEpisode 42 What is Holistic Planning and Why Your Retirement Needs ItA successful retirement plan should focus on more than just managing your financial accounts. This week we dive into holistic planning. What does mean? And how not taking a holistic approach to your retirement plan can lead to unexpected and often unnecessary expenses.Interesting Readsss.gov: Taxes and your Social Security BenefitKiplinger.com: Why a Good Retirement Plan Isn’t Separate PiecesKelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who ar...2024-11-1316 minRetire Well with Kelly RacicotEpisode 41 Avoiding Scams That Target RetireesOn this Halloween edition of Retire Well, we’re shining a light on the frightening world of scams that target retirees. From too good to be true offers to tech savvy schemes, we’ll help you to avoid being tricked and protect your finances.Interesting ReadsUSA.gov How To Place or Lift a Freeze on Your CreditConsumer.ftc.gov: Free Credit Report Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retir...2024-10-3027 minRetire Well with Kelly RacicotEpisode 40 Phase 2 of Retirement PlanningWhen we think about retirement planning, we generally think about saving and investing for our future. But that’s only the beginning. It’s crucial to give proper thought to what’s next. On this week’s episode Kelly dives into how to manage your nest egg and protect yourself from some common mistakes.Take our risk tolerance quiz https://thefinancialhq.com/yourhrsagent.comInteresting ReadsFidelity.com: How to Plan For Rising Healthcare CostsKiplinger.com: Threats to the Distribution Phase of Retirement Kelly Racicot is a Retirement Income Cer...2024-09-1814 minRetire Well with Kelly RacicotEpisode 39 Big Changes Coming To Your Healthcare PlanThe Inflation Reduction Act is making a BIG impact on Medicare prescription drug plans in 2025. This week Kelly shares how this legislation affects Medicare and if you’re over 65 how your employer plan may be impacted. Interesting ReadsCMS.gov Medicare Prescription Payment PlanForbes.com What to Do if the $2000 cap jeopardizes your employer coverageHealthinsurance.org Obamacares Subsidy Cliff Eliminated Through 2025Medicare.gov Avoid Late Enrollment PenaltiesKelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in...2024-09-0417 minRetire Well with Kelly RacicotEpisode 38 Do I Still Need Life Insurance in RetirementMost people have been told they wouldn’t need life insurance once they retire, but is that true for everyone? This week Kelly talks about who might still need life insurance in their retirement years and also shares a few ways to use life insurance in ways you may not have thought about. Interesting Reads: Investopedia.com: Do I Still Need Life Insurance After I Retire?Marketwatch.com: How to Use Life Insurance to Help with Estate PlanningForbes.com How Hybrid Life...2024-08-2116 minRetire Well with Kelly RacicotEpisode 37 Managing Your Finances During Election Year MadnessIt’s hard to escape the noise that the surrounds the Presidential election. This week on the show we address some of the fears surrounding how election results impact your future retirement plans and what you should do about it. Interesting Readshttps://www.investopedia.com/investors-election-year-worries-could-be-overblown-experts-say-8410521https://news.nationwide.com/101123-nearly-half-of-investors-believe-2024-election-will-have-a-big-impact-on-portfolios/ Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the...2024-08-0715 minRetire Well with Kelly RacicotEpisode 36: Your Retirement Questions AnsweredThis week on week on Retire Well Kelly will be answering questions from our listeners. We’ll be covering topics on Medicare, Income planning and mortgages in retirement. These are the questions that our Retire Well community wants to know! Interesting ReadsSSA.gov Apply For Extra HelpAging.pa.gov Apply for Pace or PacenetSSA.gov IRMAA Appeal SSA-44Nerdwallet.com IRMAA BracketsKiplinger.com Retirees with Guaranteed Income are Happier Live LongerKelly Racicot is a Retirement Income Certified Professional and the owner and foun...2024-07-2420 minRetire Well with Kelly RacicotEpisode 35 The Looming Long Term Care CrisisThis week on Retire Well, we’re taking on the subject of long-term care. With 10,000 baby-boomers turning 65 every day, a care crisis is looming, and your retirement plan should be ready. Kelly will dive deep into the increasing aging population, different ways to receive your care and strategies to cover the cost. Interesting ReadsKFFHealthNews.org:Dying Broke A KFF Health News & NY Times ProjectPHCA.org: The Need For Long Term Care GrowsGenworth.com: Cost of Care SurveyAARP.org: Long Term Care – The Crisis Everyone Must Face2024-07-0322 minRetire Well with Kelly RacicotEpisode 34 The Simple Truth About AnnuitiesThis week on Retire Well, Kelly shares some truth on annuities. We’ll dive deep into the pros and cons of using annuities in retirement, why these products are so misunderstood and when they might make sense for your retirement.Interesting ReadsKiplinger.com: Retirees with Guaranteed Income Are HappierKnowledge at Wharton: Why Retirement Gets Better With AnnuitiesUSA Today: Annuities Are the Key to Retirement Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She specializes in working with ret...2024-06-1919 minRetire Well with Kelly RacicotEpisode 33 Creating Flexibility in Your Retirement PlanThis week on Retire Well we explore why having the ability to pivot when life throws your plans of track is vital to your retirement success. Having an element of flexibility will allow you to make necessary adjustments and help you to feel more confident in your plan.Interesting ReadsSsa.gov: Retirement ReadyKiplinger.com: Retirees with Guaranteed Income Are Happier Investopedia.com: Black Swan Events and Their Impact Kelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LL...2024-06-0513 minRetire Well with Kelly RacicotEpisode 32 Timing Your Claim: Filing Strategies for Social SecurityThis week on Retire Well we dive into the one of the biggest retirement questions; should you delay filing for Social Security or file early. Kelly shares insights on why it may be a good idea to delay filing your benefits and why claiming early might be the right choice for you. Interesting ReadsSSA.gov: Early or Late Retirement? SSA.gov: Benefit Amounts SSA.gov: Benefits for SpousesKelly Racicot is a Retirement Income Certified Professional and the owner and founder of Hometown Retirement Specialists, LLC. She...2024-05-2217 minRetire Well with Kelly RacicotEpisode 31 - Retirement Under the Pressure of InflationRetire Well is back with a brand new episode. This week Kelly shares information on the inflation we are all experiencing and why it’s especially important for retirees to account for rising costs to ensure retirement success. In this episode we dive into what's causing the inflation problem today, what you can expect going forward and what you can do to preserve your retirement stability.Interesting ReadsSmart Asset inflation calculatorhttps://crr.bc.edu/with-inflation-many-retirees-will-pay-more-federal-income-taxes/CMS.gov: 2024 Medicare Parts A & B Premiums and DeductiblesKelly Rac...2024-05-0816 minRetire Well with Kelly RacicotThe Fear of Spending in RetirementThis week’s episode tackles the common fear of spending in retirement. We’re taught all through our working lives to save and sacrifice so that we can have a good retirement, but no one tells us how to flip the switch to become spenders. Interesting ReadsResearch Show Retirees With Guaranteed Income Are Happier…Center For Retirement Research: What Makes Retirees Happy Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understan...2024-03-2012 minRetire Well with Kelly RacicotRoth Conversions: To Convert or Not To Convert Episode 29 Roth Conversions: To Convert or Not To ConvertRoth conversions are all the rage, but are they right for your retirement? This week Kelly explores when you might decide to pass on the Roth opportunity. Interesting ReadsNerd Wallet: What is the Medicare IRMAA for 2024IRS.gov: Non-deductible contributionsEd Slott IRA Expert: IRA Help Pro Rata Rule ExplainedBackdoor Roth IRA: What Is It and … Kelly...2024-03-0614 minRetire Well with Kelly RacicotEpisode 28 Taxes and Your Retirement (Part 2)Paying income taxes is part of life, but good tax planning in retirement can go a long way to making your money last longer. On this week’s episode Kelly talks about estate taxes, the widow’s tax and Roth conversions.Interesting Reads2024 Federal Estate Tax ExemptionKiplinger: Don’t Let the Widow’s Penalty Blindside You.Backdoor Roth IRA: What Is It and …Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who a...2024-02-2118 minRetire Well with Kelly RacicotEpisode 27 Taxes and Your RetirementEpisode 27 Show NotesEpisode 27 Taxes and Your Retirement Paying income taxes is part of life, but good tax planning in retirement can go a long way to making your money last longer. On this week’s episode Kelly talks about how your tax situation can change in retirement and how good tax planning can benefit both you and your heirs.Interesting ReadsTax Cuts and Jobs Act The Secure Act How the Secure Act affects your heirs The Great Wealth Transfer K...2024-02-0715 minRetire Well with Kelly RacicotEpisode 26 Why Everyone Needs an Estate PlanDo you think estate planning is only for the wealthy? Think again! This week on the show Kelly talks with Bo Moore about the importance of planning for your estate to pass on to the next generation. Proper planning will go a long way in maintaining the peace and harmony in your family and protecting your family legacy.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise...2024-01-3116 minRetire Well with Kelly RacicotEpisode 25 How Does Medicare Pay for Cancer CareEpisode 25 How Does Medicare Pay for Cancer CareIncreased age is the greatest risk factor for cancer. Nearly 60% of cancer patients are aged 65 or older. So it’s an important consideration for your retirement planning, especially when it comes to Medicare planning. This week on the show, Kelly share’s how Medicare pays for cancer treatment and where you might run into some unforeseen expenses.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and...2024-01-2411 minRetire Well with Kelly RacicotEpisode 24 Are you Making These Top 3 Estate Planning MistakesThis week on the show, Kelly shares the Top 3 mistakes that most people make when it comes to planning their estate. Life changes and so should your plan.Kelly will be presenting her Enhanced Planning Workshop at the Young Peoples Community Center in Ebensburg on January 23 rd at 11am and 24 th at 6pm. Call Hometown Retirement Specialists 814-419-8424 to register.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees...2024-01-1017 minRetire Well with Kelly RacicotEpisode 23 Is Phased Retirement the New Retirement?This week on the show, Kelly discusses the changing landscape of retirement.Retirement as we know it is changing. American’s are living longer than ever before andplanning for the next 30 years goes beyond the funding of retirement. Many approaching retirement are asking themselves if the traditional notion of retirement is for them.In today’s episode we explore ideas for easing into retirement.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the uniq...2024-01-0318 minRetire Well with Kelly RacicotEpisode 22 Retirement Advice for the Next Generation of RetireesThis week is a special episode just in time for the holidays. Kelly will be sharing nuggets of retirement wisdom shared by her longest-lived clients. You won’t want to miss this episode! Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.If you’d like to learn more about Kelly and Hometown Retirement Speci...2023-12-2015 minRetire Well with Kelly RacicotEpisode 21 Planning Ahead For Your Future CareThis week Kelly shares another important conversation with Bo Moore of Seven Mountains Media in Johnstown about planning for long-term care and why it’s important to plan ahead of time. Statistics show that 70% of retirees over the age of 65 will need some type of future care. Kelly shares some options on how you can best protect your retirement.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. He...2023-12-0616 minRetire Well with Kelly RacicotEpisode 20 Should You Be Considering a Roth ConversionIt seems like the buzz word in the financial world these days is Roth IRAs and Roth Conversions. So what’s all the hype? This week on the show, Kelly shares when it might make sense to pay the tax now for the potential for tax free distributions in retirement; and how even high earners can get in on the benefits of a Roth IRA.Got an idea for the show…. We want to hear it! Email info@yourHRSagent.comKelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and thos...2023-11-2917 minRetire Well with Kelly RacicotEpisode 19 Taking the Stress Out of Holiday SpendingThe holiday season can be stressful when you’re on a fixed income. On this week’s episode Kelly shares some tips on how you can spend wisely this year.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.If you’d like to learn more about Kelly and Hometown Retirement Specialists check outwww.yo...2023-11-2211 minRetire Well with Kelly RacicotEpisode 18 Your End of Year Financial To Do ListIt’s hard to believe, but there are only about six weeks remaining in 2023. On today’s show Kelly will be reminding you of a few financial things you’ll want to tackle before you get busy with the holiday season.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.If you’d like to learn...2023-11-1513 minRetire Well with Kelly RacicotEpisode 17 What You Need to Know About MedicareIf you’re going to be enrolling in Medicare soon… this episode is for you!This week I’ll be breaking down the alphabet soup of Medicare. You’ll learn about the 4 main parts of Medicare and the plan and options available to you. We’ll also talk about how you can avoid any late enrollment penalties.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on...2023-11-0823 minRetire Well with Kelly RacicotEpisode 16 Are you taking advantage of today’s high interest rates?This week on the show I’m sharing an interview that I did with Bo Moore of Seven Mountains Media several months ago. We discussed taking advantage of the rising interest rates and how it can benefit you in your retirement. Since then, interest rates have continued to rise and the topic is even more relevant today, so I wanted to share it on the podcast with the Retire Well community.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep un...2023-11-0117 minRetire Well with Kelly RacicotEpisode 15 Is 4% Really a Safe Withdrawal Strategy?This week on the show we discuss one of the most widely used strategies for income inretirement. Is 4% still considered a “safe” withdrawal amount given recent market volatility and inflation? And what’s so special about 4%? Where did that number come from and is it even still relevant today? We dive into these questions and more…Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses...2023-10-2521 minRetire Well with Kelly RacicotEpisode 14 Preparing For Your Future Care NeedsWhat happens when you need more care than your health insurance will provide? This week Kelly share’s some important considerations when planning for your future care and why it’s important to have these conversations early.For more information on long-term care. Visit these useful links:https://yourhrsagent.com/long-term-careThe national Institute on AgingKelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are faci...2023-10-1818 minRetire Well with Kelly RacicotEpisode 13 Building a Solid Foundation for Your RetirementThis week Kelly joins Bo Moore with Seven Mountains Media in Johnstown to discuss Social Security as one piece of your retirement income plan. One size fits all planning doesn’t work very well when it comes to your income strategy.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare.If you’d like to lear...2023-10-1118 minRetire Well with Kelly RacicotEpisode 12 Listener QuestionsThis week on the show Kelly is answering some listener questions. You’llget answers to some common retirement questions. If you have a questionthat you’d like to have answered on the show please send your question toinfo@yourhrsagent.comResources mentioned in this episode:SSA.gov Benefits for SpousesMedicare.gov Plan Compare Tool2023 IRMAA BracketsForm SSA-44Kelly is the agency owner of Hometown Retirement Specialists, LLC. Shespecializes in working with retirees and those who are approachingretirement age. Kelly has a deep...2023-10-0424 minRetire Well with Kelly RacicotEpisode 11 Beyond Dollars: Exploring the Non-Financial Aspects of Retirement PlanningThe non-financial aspects of retirement planning are rarely talked about inthe financial services field, but play a crucial role in the success of yourretirement journey. This week we’re going to step away from the typicaladvisor conversation and share some other important considerations tohelp you win at retirement.Resources mentioned in this episode:https://www.kiplinger.com/retirement/what-happens-when-retirement-honeymoon-phase-is-overNaked Retirement: Living a Healthy, Happy & Connected Retirement byRobert Laurahttps://www.ncbi.nlm.nih.gov/pmc/articles/PMC9288177/Kelly is the agency ow...2023-09-2716 minRetire Well with Kelly RacicotEpisode 10 Part 2 of the Enhanced Planning DiscussionThis week Kelly continues the conversation on the importance of properlyplanning for the transfer of your assets. Today’s topics cover gifting andinheritance and the taxes that are associated with them.Be sure to stick around to the end when Kelly will provide you with a simplefour-step process to begin your enhanced plan journey.Ready to begin your journey? Email me directly:kelly@yourhrsagent.comIf you want to read more on how various states tax an estate. You cancheck out the following links:https://taxfoundation.or...2023-09-2025 minRetire Well with Kelly RacicotEpisode 9 What is Enhanced Planning?Estates, wills & trusts…. Do you think these things are only for the rich?Think again!On this week’s episode Kelly talks about Enhanced Planning and why it’sabsolutely necessary to ensuring harmony in your family and protectingyour legacy. You only get one chance to properly plan for your estate totransfer to your heirs. You’ve got to get it right!Kelly is the agency owner of Hometown Retirement Specialists, LLC. Shespecializes in working with retirees and those who are approachingretirement age. Kelly has a deep understa...2023-09-1316 minRetire Well with Kelly RacicotEpisode 8 Rising Interest Rates and Why This is Good NewsInterest rates have risen to a level that we haven’t seen in more than 20 years. And while thesenew rates aren’t great news if you’re the borrower and it certainly hasn’t done your bondportfolio any favors, there are silver linings.On today’s show I’m going to share why this is good news for retirees and how you can betaking advantage of that to strengthen your retirement.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in workingwith retirees and those who are approach...2023-09-0616 minRetire Well with Kelly RacicotEpisode 7 Keeping your Money Safe During Turbulent TimesThis week Kelly joins Bo Moore with Seven Mountains Media to talk about how you can findsafety for your hard-earned savings during these volatile times. No one likes the idea of losingmoney, but losing money while you’re in retirement can be especially painful. Listen to find outhow to protect your nest egg.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in workingwith retirees and those who are approaching retirement age. Kelly has a deep understanding ofthe unique challenges and opportunities that retirees are fa...2023-08-3015 minRetire Well with Kelly RacicotEpisode 6 Social Security MythsNot everything you hear on the internet is true! Especially when it comes to the future of SocialSecurity. There is no shortage of untrue, half true and just plain wrong information out there.On today’s show, I’m going to debunk one of the biggest myths of all. We want you to know theFACTS so that you can make an informed decision for yourself and your retirement.Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in workingwith retirees and those who are approaching retirement age. Kelly has...2023-08-2312 minRetire Well with Kelly RacicotEpisode 5 When Should You Collect Your Social Security BenefitDeciding when to file for your Social Security benefit is a big decision that will have a majorimpact on your retirement. Today’s episode discusses how your benefit is calculated, majorpitfalls to avoid and how to get the most out of your benefit and optimize your retirementincome.If you have not set up your account on the Social Security website, you can do that here:https://www.ssa.gov/myaccount/To find out what the reduction penalty is at various ages you can read more here:https://www.ssa.go...2023-08-1623 minRetire Well with Kelly RacicotEpisode 4 How the Sequence of Returns Affects Your RetirementEpisode 4 How the Sequence of Returns Affects Your Retirement Retirement comes with plenty of risk. How well you can mitigate these risks will determine how successful your retirement is. This week we’re going to focus on one of the most destructive risks you can face, especially in the early part of your retirement, and what you can do about it.Avoiding Sequence Risk is a crucial part of your income plan. This is especially relevant in today’s volatile market. Kelly is the agency owner of Hometown...2023-08-0913 minRetire Well with Kelly RacicotEpisode 3 Building a Solid Foundation for Your RetirementEpisode 3 Building a Solid Foundation for Your Retirement This week Kelly joins Bo Moore with Seven Mountains Media in Johnstown to discuss the various tools that are needed to build a solid foundation for your retirement. One size fits all planning doesn’t work very well in the decumulation phase of retirement. Having the right tools can make a big difference in the success of your plans. Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age...2023-08-0217 minRetire Well with Kelly RacicotEpisode 2 How Much Should I Be Saving for Retirement?Like many things in retirement, the answer to “how much should I be saving” is different for everyone. In this episode, Kelly will tackle this question from a different approach that will help you to get clear on your own retirement income goals. Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that retirees are facing. Her expertise focuses on retirement income planning, asset protection, estate strategies and Medicare. If yo...2023-08-0219 minRetire Well with Kelly RacicotEpisode 1 The 4 Pillars of a Successful RetirementHeading into retirement is one of the biggest transitions you’ll make in your lifetime. Retire Well is about helping you gain clarity and confidence in the next chapter of life.In our very first episode, Kelly shares her philosophy of providing a comprehensive and holistic approach to planning and the four pillars that carry your retirement. Kelly is the agency owner of Hometown Retirement Specialists, LLC. She specializes in working with retirees and those who are approaching retirement age. Kelly has a deep understanding of the unique challenges and opportunities that...2023-08-0117 min
Insurance RevolutionizedEpisode 7: Balancing It All - Kelly Racicot on Keeping Up With the Demands of Life and Business Without Losing Your SanityKelly Racicot is the Owner of Hometown Retirement Specialists, LLC and Hometown Wealth Advisors. Her firm focuses on working with those who are retired or are planning to retire within the next 5-years. Her areas of specialty include all aspects of retirement planning - Medicare, Long Term Care, Life Insurance, Estate Strategies, Tax Strategies, and Income Planning. Kelly opened her office in 2021 in the town she grew up in. Kelly enjoys her hometown roots and being a service to her community. Kelly currently lives just outside of Pittsburgh, PA with her husband, children, and 3 Great Danes.
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