Spellman Insurance Agency

10/16/2026

Choosing the right retirement plan is not always straightforward. With options like 401(k)s, IRAs, and other strategies, each comes with different benefits, tax advantages, and long-term considerations.

This article breaks down how to evaluate different retirement plans and what to consider when deciding what fits your goals.

There is no one-size-fits-all approach. The right plan depends on your income, tax situation, timeline, and long-term objectives. In many cases, a combination of strategies can help create a more balanced and flexible retirement plan.

I work with clients to simplify these decisions and build a strategy that aligns with where they are today and where they want to go in the future.

If you are unsure which retirement plan makes the most sense for you, it may be time to take a closer look.

Discover different retirement plans and the factors to consider when choosing a specific type. Learn the pros and cons of each plan, as well as the tax implications.

10/15/2026

What's the highest return you can get?

That may not be the most important financial question.

Episode 93 of Make It Personal explores how CFOs think differently about money by focusing on one key question: "What job does every dollar need to do?"

This conversation highlights why assigning purpose to every dollar may be one of the most powerful planning strategies available.

🎧 Watch here: https://mutualofomaha.co/3VPOtcf

10/14/2026

Where you choose to live in retirement can have a bigger impact than many people realize.

From cost of living and taxes to access to healthcare and lifestyle, location plays a key role in how far your savings go and how you experience retirement day to day.

This article highlights five cities that stand out for retirees and what makes them worth considering.

Discover the top 5 U.S. cities ideal for retirement, with insights on tax perks, cost of living and healthcare access to guide senior relocation decisions.

10/12/2026

Understanding your full retirement age is an important part of making informed Social Security decisions.

For many people, full retirement age falls between 66 and 67 depending on birth year, and the timing of when you claim benefits can have a long-term impact on your retirement income.

Social Security is not just about when you can collect benefits, but how those decisions fit into your broader retirement goals and income needs.

Learn 3 Social Security rules that change at full retirement age, including work earnings, benefit recalculations and delayed credits through age 70.

10/10/2026

Social Security decisions are not one size fits all. Understanding how timing impacts your long-term income can make a meaningful difference over time.

Deciding when to take Social Security? Compare benefits at 62, 65, 67 and 70. Learn how age affects your retirement income and make an informed decision.

10/08/2026

Many retirees ask the same question:
"If my RMD is higher than what I planned to withdraw, am I doing something wrong?"

Episode 92 of the Make It Personal podcast explores why Required Minimum Distributions and retirement spending are not the same thing, and how thoughtful planning can help retirees navigate these decisions with greater confidence.

🎧 Watch here: https://mutualofomaha.co/4yAb4YN

10/06/2026

Crisp air, golden leaves, and cozy escapes. Fall is the perfect season for a weekend getaway. From mountain views to charming towns, check out these top destinations full of autumn magic.

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We have a commitment to corporate social responsibility that drives how we show up for our community, customers and associates.

10/01/2026

What makes life insurance different from nearly every other financial product?

Before coverage is issued, both your health and your financial situation are considered.

Episode 91 of Make It Personal explores why qualifying matters and why proactive planning can help create more options for the future.

🎧 Watch here: https://mutualofomaha.co/4rDT3pG

09/24/2026

What if making more money didn't actually make you feel more secure?

Episode 90 of Make It Personal follows the story of a physician family earning over $3 million annually who still felt pressure from taxes, spending, retirement planning, college savings, and uncertainty about the future.

🎧 Watch here: https://mutualofomaha.co/4yQRyXB

09/17/2026

Many people spent years planning around reduced Social Security benefits.

Recent changes may have altered that equation.

Episode 89 of Make It Personal explores who may be impacted and why revisiting your retirement income plan could be important.

🎧 Watch here: https://mutualofomaha.co/3T9WszK