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Georgia Boy wants out at 63
Old 03-18-2014, 05:28 AM   #1
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Georgia Boy wants out at 63

Hey go by Haze,nice meeting you all.I am an ER nurse for 30 years and I also have a wife working in hospital,total 40 years.We have 20 yr old daughter a junior in college .we are looking to retire at 63 ,we are concerned about health benefits and how to go about acquiring such.Nice meeting all of ya hope we can all keep in touch,thanx Haze!We are 61.
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Old 03-18-2014, 08:16 AM   #2
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Welcome Haze. You'll find good advice on this site.
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Old 03-18-2014, 08:28 AM   #3
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Welcome to the Forum Haze,
You'll have to do some research to figure out costs in Georgia if you are planning on using ACA. For instance, it looks like Georgia does not participate in the Medicaid expansion. That will impact the lower income you may want to have each year. I put "ACA Georgia" in the search box at the top of the page to find that information. Good luck on your RE plans.

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Old 03-18-2014, 10:39 AM   #4
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Welcome Haze,

Great place to learn. From the FAQ section, here's lots of information about ACA. Think there are a few other threads too.

Seems like a lot I know, but if I can figure it out, you will too. Congratulations on your upcoming retirement.
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FAQ Archive on PPACA
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Old 03-18-2014, 11:08 AM   #5
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Welcome, plenty of good people here with a variety of life experiences. You are welcome to take what you wish and leave the rest.
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Old 03-18-2014, 11:20 AM   #6
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Welcome to the forum. I am in Savannah and worked at Memorial for 14 years. We probable know many of the same people. If you have some money outside tax deferred accounts you could use that to cover expenses until you are 65 and qualify for ACA subsidy to help with the health insurance cost. At 65 you can switch to Medicare and start spending money from tax deferred accounts if you have them. Starting SS late might also be a good choice to keep taxable income low before you are old enough for Medicare.
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Old 03-18-2014, 11:44 AM   #7
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Hey thank y'all very nice to reply so soon,gonna see what's up.probably see financial advisor but I spoke with ACA site no one is really sure of anything there main concern is signing up new people and not concerned about 2 yrs down the line Thanx All
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Old 03-18-2014, 07:05 PM   #8
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Be wary of a financial planner. Many of them make big money in commissions selling products that are often not the best choice.
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Old 03-18-2014, 07:13 PM   #9
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Thanx you wouldn't know a good one in the Savannah area please?
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Old 03-18-2014, 09:57 PM   #10
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You want a fee only financial planner. They work (and charge) by the hour. A quick google search looking for one in Savannah turned up Iris Mack Dayoub. I know nothing about her. If you have IRAs or 403 accounts you might want to talk to with the agent who handles them but again they may be inclined to sell you something you do not need. Alternatively if you are willing to share some details on your situation people here on this forum often give superb advice.
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Old 03-18-2014, 10:06 PM   #11
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Thanx for your effort have a fellow on tybee that did my taxes maybe work with him wife and I got some 401k plans and social security and small pensions appreciate your timeHaze
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