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Confused by Medicare mail, prescription drug coverage, or your choices during annual enrollment? Welcome to the first episode of Medicare Study Hall with Toni King, part of the Business & Personal Podcast. Toni King of Toni Says joins host Ryan Armbrustmacher to share the story behind her Medicare education work and discuss the questions people should ask when reviewing their coverage. In this episode: • Why your Annual Notice of Change deserves attention • What to look for in letters about your plan’s future • Medicare Advantage and Original Medicare with a supplement • Prescription drug coverage, deductibles, and out-of-pocket costs • Why retirement and income changes can affect Medicare premiums • Where to find Toni’s educational guides and resources Toni also shares a family experience that shaped her perspective on healthcare access—and explains why Medicare decisions should fit your individual situation. CONNECT WITH TONI KING / TONI SAYS Website: https://tonisays.com Email: [email protected] Phone: 832-519-8664 Visit Toni’s website for Medicare First Steps, the Medicare Roadmap, articles, and videos. Consultation fees may apply. Subscribe for future Medicare Study Hall conversations as Ryan and Toni explore Medicare enrollment, prescription coverage, fraud awareness, and more. CHAPTERS 00:00 Introducing Medicare Study Hall with Toni King 01:15 How Toni began helping people understand Medicare 05:49 Your Annual Notice of Change: What to look for 06:20 Prescription drug coverage and plan changes 10:44 Medicare headlines and important plan notices 14:59 Comparing Medicare coverage approaches 15:28 Toni’s family story and access to care 17:43 Annual enrollment and reviewing your options 20:11 Consultations, retirement, and income-related premiums 22:02 Medicare’s history and coverage costs 24:46 Medicare First Steps and educational resources 26:47 Fraud awareness and how to reach Toni This conversation provides general education. Costs, coverage, enrollment rights, and eligibility depend on your circumstances. Confirm current information at Medicare.gov before making coverage decisions. #Medicare #ToniKing #MedicareStudyHall Support the show

Could the hobby everyone compliments become your next business? Jennifer Isom, owner and chief designer of Jen’s Luxury Holidays in Knoxville, Tennessee, joins Ryan Armbrustmacher on the Business & Personal Podcast to share how she went from working as a dental hygienist to building a luxury Christmas decorating business. It started with a Facebook post offering to decorate for free—and one person willing to give her a chance. Jen shares how referrals helped her grow from five Christmas trees her first season to 15 the next, and why she kept going despite questioning herself. We also talk about creating personalized holiday designs, refreshing decorations you already own, decorating beyond the Christmas tree, and why planning early makes a difference. Whether you love Christmas decorating or have a hobby you’re ready to take seriously, Jen’s story offers a little encouragement to take that first step. Connect with Jen’s Luxury Holidays: https://jluxholidays.com/ Call or text: 865-202-1502 CHAPTERS 0:00 Introduction 0:44 From dental hygienist to Christmas decorator 4:09 When a hobby became a business 5:12 How social media helped her grow 6:27 Taking the decorating work off your plate 7:47 Three ways to work with Jen 9:59 Creating a personalized holiday design 10:53 Planning ahead and booking early 12:11 Decorating the whole house 13:22 Holiday decorating for businesses 14:02 How to connect with Jen 15:25 Finding the courage to start Subscribe to the Business & Personal Podcast for more conversations with the people behind the businesses. #ChristmasDecorating #SmallBusinessStory #BusinessAndPersonalPodcast Support the show

Making the wrong Medicare or Social Security decision can lead to permanent penalties, reduced benefits and unexpected healthcare costs. Greg and Amorette Burch, owners of Trusted Insurance Advisors Group in Gilmer, Texas, join Ryan Armbrustmacher to explain how they help individuals and families navigate Medicare, Social Security and retirement planning. In this conversation: When to begin planning for Social Security Why claiming benefits too early can be costly Medicare Part B and prescription-drug penalties How income can affect Medicare premiums What to look for in your Annual Notice of Change Medicare versus employer health coverage after age 65 How Trusted Insurance Advisors Group simplifies the process Why personalized guidance can help prevent expensive mistakes Trusted Insurance Advisors Group serves the Tyler, Longview and Gilmer communities with personalized Medicare and retirement guidance. Learn more or schedule an appointment: https://www.tiagpro.com/ Watch more conversations from the Business & Personal Podcast and subscribe for future episodes featuring business owners and trusted professionals from communities across the country. This conversation is for educational purposes only. Medicare and Social Security decisions should be based on your individual circumstances. #Medicare #SocialSecurity #RetirementPlanning #MedicareHelp #MedicareEnrollment #TrustedInsuranceAdvisors #GregBurch #AmoretteBurch #BusinessAndPersonalPodcast #GilmerTexas #TylerTexas #EastTexas 00:00 Introduction 00:43 Meet Greg and Amorette Burch 01:16 Greg’s path into Medicare advising 02:19 Amorette’s passion for serving Gilmer 02:48 How Medicare and Social Security intersect 04:11 When should you claim Social Security? 06:08 Common Social Security mistakes 07:30 Medicare mistakes that can cost you 09:22 What happens during a client appointment? 10:28 How Medicare plan comparisons work 11:47 Important Medicare mail you should open 13:38 When to start planning for Social Security 15:30 When to begin preparing for Medicare 16:50 Medicare versus employer health coverage 19:39 A client success story 22:31 Making Medicare feel manageable 23:05 How to contact Trusted Insurance Advisors Group 24:14 Closing thoughts Support the show

What makes the Korean approach to skincare so different? Dr. Seunghee Fuller, MD, founder of K-GLOW Aesthetics in Lubbock, Texas, joins the Business & Personal Podcast to explain how Korean skincare principles shaped her unique approach to aesthetic medicine. Dr. Fuller grew up learning skincare rituals from her mother and later combined those lessons with her medical training, experience in surgery, family medicine, cosmetic dermatology, and additional training in Korea. Rather than simply treating individual wrinkles, pigmentation or acne with a quick fix, her approach starts with skin health, repairing the skin barrier and creating a personalized long-term plan. In this conversation, Dr. Fuller discusses: • Why Korean skincare places such an emphasis on prevention • Why healthy skin should come before cosmetic quick fixes • Repairing and maintaining the skin barrier • Acne, acne scarring and pigmentation • Collagen stimulation and skin tightening • Her signature XERF treatment • The value of receiving aesthetic treatments from a physician • Why patients shouldn't have to figure out their skincare plan themselves • A patient transformation that Dr. Fuller describes as life-changing Dr. Fuller also explains that skincare is an ongoing process: after correcting existing damage, patients can transition into a more manageable maintenance phase involving appropriate home skincare and periodic treatments. Learn more or schedule a consultation: KGlowMD.com Instagram & Facebook: @KGlowMD 🎙️ Business & Personal Podcast Conversations with the people behind the businesses. #KoreanSkincare #KBeauty #KGlow #HealthySkin #AestheticMedicine #DrSeungheeFuller #BusinessAndPersonalPodcast 00:00 Meet Dr. Seunghee Fuller & K-GLOW 00:49 From Surgery to Aesthetic Medicine 01:30 The Korean Skincare Influence 03:30 Why Dr. Fuller Doesn't Believe in Quick Fixes 05:57 Prevention vs. Repairing Years of Skin Damage 08:55 Overwhelmed by Skincare? Start With a Consultation 10:29 Collagen, XERF & Skin Tightening 11:30 Treating Pigmentation & Melasma 12:40 Why Physician-Led Aesthetic Care Matters 14:22 A Life-Changing Acne Transformation 16:34 How to Connect With K-GLOW Support the show

Medicare can be confusing—but choosing the right coverage doesn’t have to be something you tackle alone. Ryan Armbrustmacher welcomes Dan Alcorn and Linda Singer of Alcorn & Associates to discuss how local Medicare agents help people understand their options, avoid costly enrollment mistakes and select coverage that fits their doctors, medications and individual needs. Dan and Linda explain: • Why Medicare coverage should be reviewed each year • Common mistakes Medicare beneficiaries make • Why you should carefully review your mail and email • The dangers of relying on unsolicited calls and telemarketers • What to bring to a Medicare consultation • How doctors, prescriptions, travel and personal priorities affect plan selection • Why their assistance comes at no direct cost to clients • How Alcorn & Associates supports its clients throughout the year They also share real stories of helping people reduce expenses, correct coverage problems and gain access to benefits they didn’t realize were available. To speak with Alcorn & Associates: Call: 518-346-2115 Visit: https://www.dgalcorn.com/ Alcorn & Associates does not represent every plan or carrier offering Medicare plans in your area. To review all available options, contact Medicare at 1-800-MEDICARE or visit https://www.medicare.gov/. #Medicare #MedicareHelp #MedicareEnrollment #MedicareAgent #AlcornAssociates #AnnualEnrollment #BusinessAndPersonalPodcast 0:00 Introduction 0:40 How Dan Alcorn and Linda Singer Entered the Medicare Industry 3:24 The Training and Certification Medicare Agents Complete 5:41 Medicare Guidance at No Direct Cost to Clients 7:19 The Value of Working With a Local Medicare Agent 8:34 Common Medicare Enrollment Mistakes 10:53 Why You Should Open Your Medicare Mail and Email 13:02 Medicare Scams and Fraudulent Phone Calls 14:57 What to Expect During a Medicare Consultation 18:37 Matching Coverage to Your Individual Priorities 21:19 Medicare Client Success Stories 26:26 How to Contact Alcorn & Associates 27:46 Closing Support the show

Medicare can be confusing—but choosing the right coverage doesn’t have to be stressful. Licensed Medicare agent Verna Popp joins the Business & Personal Podcast to explain how she helps Medicare beneficiaries understand their options, avoid costly enrollment penalties and find coverage tailored to their individual needs. Verna discusses: • How she unexpectedly found her calling in Medicare • Why personalized Medicare guidance matters • Common Part B and Part D enrollment mistakes • How to protect yourself from Medicare phone scams • Why spouses may need completely different plans • Her free Midweek Medicare Meetings and community travel group • How clients receive her assistance at no additional cost Learn more or contact Verna Popp Insurance: https://www.vernapoppinsurance.com/ All services are provided at no additional cost to the consumer. Plan availability and eligibility vary by individual and location. #Medicare #MedicareHelp #MedicareAgent #MedicareEducation #SeniorResources #AmarilloTexas #BusinessAndPersonalPodcast 00:00 Meet Medicare Agent Verna Popp 00:54 How Verna Found Her Calling 01:33 Why She Continues Helping Medicare Beneficiaries 02:20 Free Midweek Medicare Meetings and Travel Groups 03:39 Creating a Stress-Free Medicare Experience 04:50 Costly Medicare Enrollment Mistakes 05:18 Part B and Part D Penalties 06:07 Protecting Yourself From Medicare Scams 06:49 Why Spouses May Need Different Plans 07:23 What Verna’s Medicare Services Cost 08:00 Closing Thoughts Support the show

What should pet parents look for when choosing a dog daycare? Royal Paws Daycare owner Colleen Shefferly and general manager Megan Mudrak join the Business & Personal Podcast to explain how their experienced team creates a safe, clean and engaging environment where dogs can thrive. In this episode, Colleen and Megan discuss: How Royal Paws was created The benefits of smaller playgroups How new dogs are carefully evaluated and introduced Why dogs are grouped by size, temperament and energy level The importance of enrichment, socialization and open play How daycare can improve a dog’s confidence and behavior What makes Royal Paws different from larger corporate facilities Royal Paws offers daycare, boarding, grooming and personalized care inside its spacious 7,000-square-foot facility. First-day evaluations are free, and pet parents are welcome to stop in for a tour. Learn more or schedule an evaluation at RoyalPawsDaycare.com. #RoyalPaws #DogDaycare #PetCare #DogBoarding #DogLovers #MichiganBusiness #BusinessAndPersonalPodcast 00:00 Meet the Royal Paws team 00:43 How Royal Paws began 02:21 Building an experienced team 03:12 Creating a safer daycare environment 06:08 How new dogs are introduced 09:34 Matching dogs by temperament 11:34 The benefits of dog socialization 13:24 Meals, allergies and rest periods 14:52 Inside the 7,000-square-foot facility 16:38 Royal Paws success stories 21:26 How to schedule a free evaluation Support the show

What happens when financial barriers stand between children and a quality Christian education? In this episode of the Business & Personal Podcast, we sit down with Stephanie Dow, Administrator of Eagle Wings Academy, to discuss how the organization is transforming lives by providing scholarships, mentorship, advocacy, and wraparound support for underserved families in Syracuse, New York. Stephanie shares: How Eagle Wings Academy partners with Faith Heritage School Why Christian education can be life-changing for underserved families Inspiring student success stories Supporting refugee families through education The importance of mentorship, prayer partners, and community How donors can help expand opportunities for more students Whether you're passionate about education, nonprofit work, faith, or helping children succeed, this conversation offers an inspiring look at what's possible when a community comes together. Learn more or support Eagle Wings Academy: https://eaglewingsacademy.org #ChristianEducation #Education #Nonprofit #Faith #Scholarships #Mentorship #Syracuse #BusinessAndPersonalPodcast 0:00 Introduction 0:40 Stephanie's Background 1:36 What Is Eagle Wings Academy? 3:17 Finding the Right Families 4:22 Student Success Stories 6:46 Measuring Success Beyond Grades 8:24 Mentorship & Student Support 9:36 Lessons Learned from Families 11:01 How You Can Help 12:24 Final Thoughts Support the show

What does it take to completely change your life? In this inspiring episode of the Business and Personal Podcast, Gene Hinojos of the Enhancement Center shares his remarkable journey from heroin addiction, incarceration, and personal struggles to becoming a counselor who helps others find hope and healing every day. Gene discusses the importance of mental health awareness, overcoming addiction, the impact of social media on today's youth, and why seeking help is a sign of strength—not weakness. Whether you're struggling yourself, supporting a loved one, or simply looking for an uplifting story of resilience and redemption, this conversation is one you won't want to miss. 📍 Enhancement Center – Mental & Behavioral Health 📞 (505) 891-1583 📞 Gene Hinojos Direct: (505) 573-9888 🌐 ecmentalhealth.com 00:00 Introduction to Gene Hinojos 00:52 How Gene Got Started in Mental Health 01:42 Why Mental Health Awareness Is Growing 03:03 Why Therapists Need Therapy Too 04:24 Signs That Therapy Is Working 05:44 Gene's Story of Addiction, Prison & Recovery 08:24 Using Personal Experience to Help Others 09:06 Replacing Addiction with Positive Habits 10:49 Finding Joy and Purpose Again 11:41 Learning from Your Past Without Being Defined by It 12:20 The Impact of Social Media on Mental Health 14:23 Finding Balance in a Digital World 14:45 A Powerful Recovery Success Story 16:39 Why Helping Others Never Feels Like Work 17:08 How to Contact Gene and the Enhancement Center 17:25 Final Thoughts Support the show

During Women’s Health Awareness Month, Sara Stevens of Women’s Wellness Tampa joins the Business & Personal Podcast to discuss hormones, functional medicine, personalized healthcare, and why so many women are struggling with symptoms like fatigue, weight gain, poor sleep, hot flashes, mood swings, and gut health issues. Sara explains how her clinic takes a root-cause approach to women’s healthcare by spending more time with patients, focusing on lifestyle, nutrition, exercise, hormone health, and individualized treatment plans. She also shares real success stories from women whose lives were transformed through personalized care. Topics discussed include: • Hormone replacement therapy • Hot flashes & night sweats • Weight gain & metabolism changes • Functional medicine for women • Gut health & inflammation • Mental health and hormones • Personalized healthcare for women • Women’s wellness & preventative care • Lifestyle changes for long-term health Learn more about Women’s Wellness Tampa: Website: https://www.womenswellnesstampa.com #WomensHealth #Hormones #FunctionalMedicine #WomensWellness #HormoneHealth #Wellness #HealthPodcast #WomenOver40 #RootCauseMedicine #TampaHealth 00:00 Intro & Women’s Health Awareness Month 01:02 Sara Stevens’ Background & Women’s Wellness Tampa 01:51 Why Hormones Are a Major Topic Right Now 02:52 Common Symptoms Women Experience 03:30 What Makes Women’s Wellness Tampa Different 05:21 Why Personalized Care Matters 06:04 Preventative Health for Younger Women 07:11 What Patients Must Commit To 08:37 Success Story: Hormones & Mental Health 10:26 Success Story: Cholesterol & Hormone Health 12:35 How To Contact Women’s Wellness Tampa Support the show

Medicare AEP was as crazy as always, with some new challenges along the way.  Melanie Blackston recaps in this Business and Personal Podcast.  Watch the video version here. https://youtu.be/hrzZL1qhbNs https://blackstoninsurance.com/ #medcareaep #openenrollment  #melanieblackston #columbiascmedicare Support the show

We're all stressed nowadays. That's probably one big reason the massage therapy field is growing so fast. Joe Lavin explains in this Business and Personal Podcast Interview with Ryan Armbrustmacher. Watch the video version here. https://youtu.be/YqOkEE31QbU https://massagereimagined.com/ #seattlemassage #massagereimagined #joelavin #couplesmassageseattle Support the show

Cindy Goodnetter's key to success is understanding people. Listen to her explain in this Business and Personal Podcast. Watch the video version here. https://youtu.be/LtFucHoZYtM https://www.agatheringplace.com/ #cindygoodnetter #agatheringplace #massagetherapyschool #stlouismassage Support the show

Listen to Jessalyn Pito describe what to expect with Medicare Annual Enrollment in this Business and Personal Podcast. Watch the video version here. https://youtu.be/X6b_WQ8_V5o https://www.jessalynpito.com/ #jessalynpito #jpmaveninsurance #connecticutmedicare #2025AEP Support the show

Did you have any idea how many emotions we go thru daily? They answer may shock you. It inspired Cathy Mott to create an app to help us all be better at emotional intelligence.  She explains in this edition of the Business and Personal Podcast interview with Ryan Armbrustmacher. Watch the video version here. https://youtu.be/64SXIXFolU0 https://cwcleadershipdevelopment.com/ #cathymott #motionalintelligence #cwcleadership #cwcleadershipapp Support the show