FINANCIALLY FOCUSED
January 2025 Newsletter
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Medicare in 2025
Many Americans will be paying a little more for Medicare in 2025. A USA Today article, 2025 Medicare Part B premium increase outpaces both Social Security COLA and inflation, has some excellent details.
What it means Part B
According to the Centers for Medicare and Medicaid Services, or CMS, Americans who utilize Medicare Part B will pay more again in 2025.
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Giraffes Only Sleep for Five Minutes at a Time!
Giraffes in the wild only sleep for around five minutes at a time. Because of the dangers they face in the wild, not only do they sleep while standing, but they also sleep intermittently so that they're prepared to run at any given moment.1
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2025 Will See a COLA Bump
There was good news and bad news when the Social Security Administration announced its latest cost-of-living adjustment in October of 2024.
A CNBC article, Social Security Administration announces 2.5% cost-of-living adjustment for 2025, lowest increase since 2021, has some timely details.
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Baked Oatmeal Breakfast Bars
Perfect on-the-go oatmeal bars without the artificial ingredients found in commercial bars. This recipe provides a base for chewy oatmeal bars, but you can add flavor and texture by incorporating dried fruits, chocolate chips, or chopped nuts to suit your own tastes. Packed with oats, these are perfect for a grab-and-go breakfast, snack, or lunch box addition.
Get Baking!
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Our Founder
Roger Tennyson
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1 https://www.buzzfeed.com/dannicaramirez/weird-facts
The individual sending this communication offers securities and investment advisory services through Gradient Securities, LLC (Arden Hills, MN 866-991-1539). Member FINRA/SIPC. Gradient Securities, LLC (a SEC Registered Investment Advisor) offers investment advisory services under the d.b.a. of Gradient Wealth Management. Gradient Securities, LLC and its advisors do not render tax, legal, or accounting advice. Insurance products and services are offered through Tennyson Insurance Solutions. Tennyson Wealth Management and Tennyson Insurance Solutions are not affiliated with Gradient Securities, LLC. Gradient Securities, LLC, Tennyson Wealth Management and Tennyson Insurance Solutions are not affiliated with or endorsed by the Social Security Administration or any government agency. This Email is being sent by or on behalf of a dually Registered Representative and Investment Advisor Representative. It is intended exclusively for the individual or entity to which it is addressed. This communication may contain information that is proprietary, privileged, or confidential, or otherwise legally exempt from disclosure. If you are not the named addressee, you are not authorized to read, print, retain, copy, or disseminate this Email or any part of it. If you have received this Email in error, please notify the sender immediately by Email or fax, and destroy all copies of this communication. The presence of this email shall in no way be construed or interpreted as a solicitation to sell any products or services to any residents of any state other than where legally permitted. Please be advised that you may conduct securities transactions only by speaking directly with your Registered Representative and/or Investment Advisor Representative. To help protect your privacy, we strongly recommend that you avoid sending sensitive information, such as account numbers and social security numbers, via email. Please be further advised that, pursuant to the Bank Secrecy Act, the USA PATRIOT Act, and similar laws, any communication in this email is subject to regulatory, supervisory, and law enforcement review.
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