Tammy D'Angelo, Senior Markets Specialist

10/21/2025

I know, I KNOW! I should have KNOWN!! I was speaking to a client of mine about Cancer insurance. Do you know how much a Cancer plan costs? I bet it's not as expensive as YOU think it is. Imagine being a single parent family (1 adult and children - plural-) and having ANUAL coverage for ALL of you for less than the cost of 1 week of groceries. How much peace of mind would that grant you? I think we can all afford that peace of mind. I should have shared this with you sooner. Everyone should know how affordable coverage is. If you want to know more or run a quote. Let me know. Knowledge is Power.

tdangelo@synthesiswealth.com

10/16/2025

⚠️ SCAM ALERT for Retirees & Social Security Recipients!

There’s a new “Supreme Court” scam making the rounds — and it looks very real.
Scammers are sending official-looking letters claiming your Social Security number was used in a crime and your accounts will be frozen unless you cooperate with a fake SSA or Treasury “agent.”

Here’s what you need to know:
🚫 The Supreme Court and SSA will NEVER contact you by letter, text, or email demanding money or threatening arrest.
💰 These scammers want your bank info, SSN, and identity — don’t give it!
🕵️‍♀️ If you get one of these letters, rip it up and report it at ssa.gov/scam

Please share this with parents, grandparents, and friends.
The best protection is awareness — and together we can stop scammers from preying on trusting seniors. 💙

Protect Yourself from Social Security Scams

10/14/2025

Good afternoon friends, I wanted to share an idea and ask for some help from those of you who may be in a position to help me. A small fact about me is that I love to teach. Especially the boring, nitty-gritty, hard to understand topics. I am currently looking for the opportunity to teach those approaching, or thinking about, retirement. My areas of specialty include: Social Security, Medicare, Life Insurance and Annuities as all of these things typically play a roll in a well rounded retirement portfolio but they each are a complicated topic to understand. If you know anyone in Human Resources, a Library director, or a High School / Community College in the area of North Jersey who holds adult classes, where I could help impending retirees understand these topics (one, two, or a few), I would love the connection. I appreciate any help or guidance you could provide and look forward to the opportunity to make a few new friends along the way.

09/26/2025

Medicare’s Annual Enrollment Period (AEP) is almost here, and I’m now scheduling appointments!

Whether you want to:
✔ Review your current Medicare plan
✔ Check your prescription coverage
✔ Explore changes or new options

…this is the perfect time to make sure your 2026 coverage fits your needs.

🤓 Email me today to reserve your spot and schedule your appointment!

tdangelo@synthesiswealth.com

** all are welcome, the Medicare review is free!**

09/24/2025

🎉 Medicare Trivia Answers! 🎉

How did you do? Here are the answers:

1️⃣ 1965 – Medicare was signed into law by President Lyndon B. Johnson.
2️⃣ Former President Harry Truman got the very first Medicare card!
3️⃣ False – Medicare does not cover long-term custodial care.
4️⃣ Over 65 million people are enrolled in Medicare today.
5️⃣ Prescription drugs – you’ll need Part D or another plan for that.

👉 Medicare can be tricky, but the good news is—you don’t have to figure it out alone.

📅 I’m now scheduling Annual Enrollment Period reviews! Send me a message to book your spot and make sure your plan is the right fit for 2026.
tdangelo@synthesiswealth.com

09/23/2025

🧩 Medicare Trivia Time! 🧩

Let’s see how well you know Medicare with a few quick questions:

1️⃣ In what year was Medicare signed into law?
A) 1945 B) 1955 C) 1965 D) 1975

2️⃣ Who received the very first Medicare card?
A) President Lyndon B. Johnson
B) Former President Harry Truman
C) The Surgeon General
D) A U.S. Senator

3️⃣ True or False: Medicare covers long-term custodial care (like assisted living).

4️⃣ How many people are enrolled in Medicare today (2025)?
A) 30 million B) 45 million C) 65 million D) 80 million

5️⃣ Which of these is NOT covered by Original Medicare?
A) Hospital stays B) Doctor visits C) Prescription drugs D) Preventive screenings

👉 Drop your answers in the comments! I’ll post the correct answers tomorrow.
Medicare can be confusing, but the good news is—you don’t have to figure it out alone.

09/17/2025

ALL ARE WELCOME! Share with your parents, siblings, friends and neighbors. FREE Medicare 101 webinar NEXT WEEK!
register at: https://bit.ly/SWPEVENTS
or email me at: tdangelo@synthesiswealth.com and I'll send you the link!

09/17/2025

📅 Now Booking Medicare AEP Appointments!

Medicare’s Annual Enrollment Period (AEP) is almost here, and I’m now scheduling appointments!

Whether you new to Medicare or simply want to:
✔ Review your current Medicare plan
✔ Check your prescription coverage
✔ Explore changes or new options

…this is the perfect time to make sure your 2026 coverage fits your needs.

👉 Email me today to reserve your spot and schedule your appointment!

tdangelo@synthesiswealth.com

09/09/2025

Tip Off Tuesday
Here’s a little truth most people don’t think about: life insurance isn’t just about money—it’s about making sure the people you love most are taken care of, no matter what life throws your way.

Want to find out how much it might cost to protect your family from the unimaginable? Check out this quick calculator:
👉 Life Insurance Calculator - https://lifehappens.org/life-insurance-needs-calculator/

Comment “life happens” below and I’ll reach out to show you what protecting your family could really look like. Simple, quick, and eye-opening. * No strings attached*

Send a message to learn more

09/03/2025

Wisdom Wednesday:
I had a client who waited too long to qualify for traditional long-term care insurance. She lived far away from her children, with no nearby family or friends to lean on, and she was worried about what would happen if she ever needed help.

We explored a membership program that offers different levels of in-home support—things like meal prep, light housekeeping, grocery shopping, even bathing and dressing assistance if needed. She chose the highest level of membership, not because she needed it yet, but because she wanted peace of mind. She wanted to make sure her kids didn’t have to put their lives on hold if something happened to her.

Months later, she was diagnosed with an aggressive cancer and placed on hospice. Her son traveled back and forth as often as he could, but he couldn’t be there every day. Between hospice and her membership program, she received 24/7 care. Her son told me the program cut her care costs nearly in half and, more importantly, every time he called, a human answered. Every message was returned quickly. That responsiveness gave him comfort knowing his mom was cared for when she needed it most.

This story is a reminder: parents don’t want to burden their kids, and many aging singles don’t have anyone at all to step in. Do you have a plan in place? Or are you hoping nothing ever happens?

Please don’t leave your future care to chance. I’m here to educate and guide you through your options whenever you’re ready. 💙

09/02/2025

💡 Pop Quiz Time!
Most of us don’t think about long-term care until it’s right in front of us—but did you know more than half of people turning 65 today will need some form of it?

Take this fun True or False quiz and see how much you really know about long-term care. You might discover a few surprises—and it could spark an important conversation with your family. ❤️

True or False?

1. In most cases, Medicare covers the cost of long-term care.
2. More than 50% of individuals turning 65 today are expected to require long-term care.
3. Most Americans can afford to pay out of pocket for professional long-term care.
4. The median cost of a nursing home in the U.S. is almost $100,000 per year.
5. Long-term care planning is beneficial for most Americans.
6. In order to qualify for a Long-Term Care Insurance policy, you need to be relatively young and healthy.
7. If you purchase Long-Term Care Insurance and don’t end up requiring care, you’ll lose the full benefit.
8. Medicaid is the largest payer of long-term care in the U.S.
9. The main reason most people can’t qualify for Medicaid is having too many countable assets.
10. If you have too many assets to qualify for Medicaid, you must deplete them by paying the nursing home bill in order to become eligible for benefits.

Check your answers in the comments below and message me if you’d like to talk about your options.