Southwest Michigan Financial

09/15/2026

Stay informed with our monthly financial tips and Medicare guidance! Open enrollment is coming! 📅
Read more: https://conta.cc/4xQmdUW

Email from Southwest Michigan Financial LLC Are You Eligible for Medicare This Year? View as Webpage     Website Education Videos Monthly News & Updates Financial and Retirement Planning for Southwest

09/15/2026

Medicare Enrollment Review
Current Beneficiaries / Annual Enrollment

Already on Medicare?
Don’t let plan changes surprise you next year! Formularies, copays, and networks change annually, meaning your current plan could cost you more.

At Southwest Michigan Financial, we help you review your coverage so your doctors stay in-network and your drug costs stay low.

📞 Book your free local Medicare review today: https://www.southwestmichiganfinancial.com/contact/ or call Justin at (269) 323-7964.

09/13/2026

Just for WOMEN!

Women, Wisdom & Wealth: How to Live Financially Fearless
Tuesday, September 22 or Thursday, September 24, 6 p.m.
Western Michigan University - Fetzer Center

Join Stacey Pennock, Operations Manager at SWMI Financial, for an empowering workshop on mastering your wealth. Here's what you'll get:

🧐 Overcome financial hurdles women face
🧐 Navigate solo retirement and widowhood
🧐 Put vital legal and legacy safeguards in place

Exclusively for women. Seating is limited.

Stacey Pennock has more than 13 years of experience in the financial services industry, helping families throughout Michigan prepare for and confidently enter retirement. She is passionate about helping her clients create individualized, customized written retirement financial plans designed around their unique goals and circumstances.

Stacey created the Women, Wisdom & Wealth workshop specifically for women, providing practical strategies, fresh perspectives, and the confidence to take charge of their financial future.

Reserve your seat: Call (269) 323-7964 or visit: https://www.yoursvp.com/86cf223d-9a6e-4a49-ba8b-8634b8170400

09/10/2026

Turning 65 soon?
Navigating Medicare Parts A, B, C, and D can feel overwhelming, and costly enrollment mistakes stick with you for life.

As local fiduciaries in Kalamazoo and Calhoun Counties, Southwest Michigan Financial puts your best interests first with unbiased, zero-cost Medicare guidance.

Ready to take the guesswork out of Medicare?
📘 Step 1: Download our free ""Comprehensive Resource Guide to Medicare https://www.southwestmichiganfinancial.com/guides/ to learn how to avoid common pitfalls and choose the right coverage for your lifestyle.
📲 Step 2: Call Chuck at (269) 323-7964 or schedule a free consultation with our local Kalamazoo & Marshall team!

Protect your healthcare and retirement savings today!
📘 Download our free Medicare Guide.

09/10/2026

New Retirement Seminar for WOMEN ONLY!

Women, Wisdom & Wealth: How to Live Financially Fearless
Tuesday, September 22 or Thursday, September 24
6 p.m.
Western Michigan University - Fetzer Center

Join Stacey Pennock, Operations Manager at Southwest Michigan Financial, for an empowering workshop on mastering your wealth. Offered on two dates, here's what you'll learn:

👍🏼 Overcome financial hurdles women face
👍🏼 Navigate solo retirement and widowhood
👍🏼 Put vital legal and legacy safeguards in place
👍🏼 Free personalized retirement plan.

Exclusively for women. Seating is limited.

Stacey Pennock has more than 13 years of experience in the financial services industry, helping families throughout Michigan prepare for and confidently enter retirement. She is passionate about helping her clients create individualized, customized written retirement financial plans designed around their unique goals and circumstances.

Stacey created the Women, Wisdom & Wealth workshop specifically for women, providing practical strategies, fresh perspectives, and the confidence to take charge of their financial future.

Reserve your seat: call (269) 323-7964 or visit. https://www.yoursvp.com/86cf223d-9a6e-4a49-ba8b-8634b8170400

"

09/07/2026

Medicare Blog "Should I Take Medicare if I’m Still Working at 65?
Don’t Miss Your Initial Enrollment Period (IEP)

For many of our neighbors in Kalamazoo, Battle Creek, and Marshall, your 65th birthday isn’t the “finish line” it used to be. The expensive question: Do I actually need to sign up for Medicare if I still have health insurance through my job?

If you don’t get the answer right, you could face “late enrollment penalties” that stay with you for the rest of your life.

Learn more about one of your most important retirement decisions here: https://www.southwestmichiganfinancial.com/should-i-take-medicare-if-im-still-working-at-65/.

09/03/2026

Solutions for Early Retirement in Southwest Michigan
Don’t Let Health Insurance Keep You from Early Retirement

For many successful professionals in Southwest Michigan, especially in the Kalamazoo and Marshall areas, the dream of an early retirement is within reach. However, the fear of losing comprehensive health coverage before Medicare eligibility at age 65 can be a major source of anxiety.

The costs of a major health event or unexpected surgery can quickly deplete a lifetime of savings. Fortunately, a gap in employer-sponsored health insurance doesn’t have to put your plans on hold. There are several strategic alternatives to bridge the gap and ensure you’re covered.

Your retirement should be about freedom, not fear. We can help you navigate these often-confusing health insurance options. Whether it’s finding a part-time job that offers benefits or exploring a specific plan, you don’t have to delay retirement.

Ready to confidently bridge your health insurance gap before Medicare? Schedule a free, no-obligation consultation today to discuss your pre-65 health insurance options. Or, give Justin a call at (269) 323-7964 for an immediate answer to your questions.

08/31/2026

Retirement Planning Guide Under 50 "If you are under 50, your most powerful financial asset isn't your income—it's your time.

Our new guide breaks down how to maximize your early savings advantage, utilize tax-efficient strategies like Roth accounts and HSAs, and properly shield your wealth through essential estate and income planning.

Don't let the cost of delay catch up to you. Download our FREE comprehensive retirement planning guide to start building your long-term roadmap with confidence: https://www.southwestmichiganfinancial.com/guides/

08/26/2026

Meet the Team!

Meet Justin Henrich, Financial Advisor at Southwest Michigan Financial! Justin is our Medicare and Insurance Specialist, and specializes in developing personalized written retirement plans and guiding clients through complex topics like Medicare and Long-Term Care. As a holder of a Series 65 securities license, Justin acts as a fiduciary where he legally has to put your best interests first.

What brings Justin joy at work? "Seeing the smile on someone’s face when their plan gives them the peace of mind to retire is a great feeling!" Justin is a Western Michigan University finance graduate and lives in Battle Creek with his wife and young daughter.

Learn more about working with a Fiduciary Advisor. Call Justin with any questions you have at (269) 323-7964.

08/24/2026

Retirement Reality Check Healthcare Premiums

Think your Medicare premiums are only decided the day you turn 65?
Think again.

Medicare uses a strict two-year lookback period on your income to determine what you pay for Parts B and D. That means any major financial spikes you trigger at age 63—like selling a house, taking a large retirement distribution, or completing a major Roth conversion—can drastically inflate your healthcare costs the moment you enroll.

Crossing an income threshold by even a single dollar can add thousands in unexpected surcharges. Avoid the sticker shock. Visit our retirement resource center to learn how proactive planning helps protect your savings from hidden cliffs.

Don’t Let Health Insurance Keep You from Early Retirement. See our strategies for early retirement and Medicare here: https://www.southwestmichiganfinancial.com/quizzes.