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5-Minute Reads to Elevate Your Health and Wealth

How Much Should You Really Pay Your Financial Advisor?
Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

How Much Should You Really Pay Your Financial Advisor?

If you’ve ever wondered whether your financial advisor’s fee is too high—or even worth it—you’re not alone. Many people see that “1% of assets under management” on their statements and think, “Wait, am I giving away 25% of my returns just to have someone manage my money?” Let’s unpack what that really means and how to think about advisor fees in a way that makes sense for your life.

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Oral Health and GLP-1 Medications
Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Oral Health and GLP-1 Medications

GLP-1 medications, like Ozempic, Wegovy, and similar drugs, are becoming more common for managing type 2 diabetes and supporting weight loss. They can be a game-changer for your health—but did you know they can affect your mouth too?

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How Can I Reduce Taxes on IRA Withdrawals?
Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

How Can I Reduce Taxes on IRA Withdrawals?

One of the most common questions I hear from women planning for retirement is this:
“How do I avoid giving a huge portion of my IRA to taxes?”

It is a smart question. And it is one that deserves a clear, honest answer.

The truth is this. You usually cannot avoid taxes on IRA withdrawals entirely. But with planning, you can often reduce them, delay them, or control when and how much you pay.

That control can make a meaningful difference in long term financial security.

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Can AI Be Trusted for Menopause Advice?
Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Can AI Be Trusted for Menopause Advice?

Artificial intelligence is now part of everyday life. Women use it to draft emails, plan meals, and increasingly, to ask health questions. Menopause is no exception. Many women turn to AI tools for quick answers about symptoms, hormone therapy, and risks.

But a growing body of evidence suggests we need to slow down before trusting those answers.

New research presented at The Menopause Society 2025 Annual Meeting raises serious concerns about how accurately popular AI systems answer menopause related questions. The findings matter for patients and clinicians alike.

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How to Retire Early With a 401(k)
Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

How to Retire Early With a 401(k)

For many women, early retirement represents freedom. Freedom from rigid schedules, burnout, and postponing life until some distant age. But when most of your savings sit inside a 401(k), the idea of retiring early can feel out of reach.

It is not impossible. But it does require understanding the rules, the tradeoffs, and how taxes shape every decision.

Early retirement is not about finding a loophole. It is about planning ahead so your money works with you, not against you.

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The Silent Risk: Women, Heart Disease, and the Research Gaps That Cost Lives
Health Dr. Tracy Verrico Health Dr. Tracy Verrico

The Silent Risk: Women, Heart Disease, and the Research Gaps That Cost Lives

Heart disease is the leading cause of death in women. Yet many women do not see it as their biggest threat.

We talk about breast cancer often, and that matters. But cardiovascular disease takes more women’s lives each year than all cancers combined. The danger is not just the disease itself. It is how often women are overlooked, misunderstood, or treated too late.

This is not a failure of women paying attention. It is a failure of research, education, and clinical systems built around male bodies.

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How the Rich Minimize Taxes: Understanding the “Buy, Borrow, Die” Strategy
Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

How the Rich Minimize Taxes: Understanding the “Buy, Borrow, Die” Strategy

Many women work hard, invest wisely, and still feel frustrated when taxes take a large bite out of their returns. Meanwhile, wealthy families often pay far less in taxes relative to their net worth. This gap is not magic, fraud, or secret loopholes. It comes from understanding how the tax system actually works and planning ahead.

One concept explains this clearly. It is called “buy, borrow, die.” The name sounds blunt, but the idea behind it is simple and legal.

Let’s break it down.

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The Science of Progesterone: Better Sleep in Perimenopause and Postmenopause
Health Dr. Tracy Verrico Health Dr. Tracy Verrico

The Science of Progesterone: Better Sleep in Perimenopause and Postmenopause

If you are in perimenopause or postmenopause and suddenly struggling with sleep, you are not imagining it. And you are not failing at rest.

This is one of the most common complaints I hear from women in midlife. Trouble falling asleep. Waking at 2 or 3 a.m. Restless, shallow sleep that never feels enough. For many women, this begins years before the final menstrual period and continues long after.

Yet most women are told the same things. Reduce stress. Improve sleep habits. Take a sleep aid. Maybe try an antidepressant.

What often gets missed is the role of hormones. Especially progesterone.

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Perimenopausal Depression: Why Hormones Deserve a First Look
Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Perimenopausal Depression: Why Hormones Deserve a First Look

When a woman in her late 30s, 40s, or early 50s walks into an office feeling low, flat, anxious, or unlike herself, the reflex is familiar. Write a prescription for an antidepressant. Move on.

This has become standard care. But standard does not always mean correct.

Perimenopause is a hormonal transition, not just a life phase. And when mood changes begin during this window, the first question should not be which antidepressant to use. It should be why the mood has changed at all.

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Treasury Bonds: Stability, Tradeoffs, and How They Fit Into a Smart Portfolio
Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

Treasury Bonds: Stability, Tradeoffs, and How They Fit Into a Smart Portfolio

When women start thinking seriously about protecting their money, Treasury bonds often come up early in the conversation. They feel safe. Predictable. Steady. And for good reason.

Treasury bonds are long-term loans to the U.S. government. In exchange for your money, the government pays you interest twice a year and returns your original investment at maturity. For investors who value reliability, especially those planning for or living in retirement, that structure can feel reassuring.

But safety does not mean simplicity. And it does not mean risk free.

Let’s talk honestly about what Treasury bonds do well, where they fall short, and how to use them wisely.

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The Last Five Years Before Retirement Matter More Than You Think
Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

The Last Five Years Before Retirement Matter More Than You Think

If retirement is five years away, the conversation has to change.

This is no longer about vague goals or someday plans. This is about clarity. Numbers. Decisions. And honesty. The question most women are quietly asking is a simple one.

Can I actually afford to retire when I want to?

The final five years before retirement are your window to tighten loose ends, correct course, and protect the life you have worked decades to build. Small adjustments now can have an outsized impact later. Miss this window, and the options narrow quickly.

Let’s walk through what matters most.

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Why Orgasms Change During Perimenopause and Menopause
Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Why Orgasms Change During Perimenopause and Menopause

An orgasm is not just a feeling. It is a physical event. It requires strong blood flow to the vulva and clitoris, healthy nerve signaling, and coordinated pelvic floor muscles. Estrogen plays a major role in all three.

As estrogen levels fall during perimenopause and menopause, blood flow to genital tissue drops. Nerve endings become less responsive. The tissue itself becomes thinner and less elastic.

This is why many women notice that orgasms take longer, feel muted, or disappear. Desire may still be there. Connection may still be there. The body simply does not respond the way it used to.

This is similar to erectile changes in men. The anatomy is different, but the biology is shared. When blood flow and nerve signaling change, sexual response changes too.

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Cervical Cancer Awareness: What Every Woman Needs to Know
Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Cervical Cancer Awareness: What Every Woman Needs to Know

When we talk about women’s health, cervical cancer is a topic that deserves clear, honest, and science-based attention—because when caught early, cervical cancer is one of the most preventable and treatable forms of cancer.

January is Cervical Cancer Awareness Month, but this is a conversation we need to have all year long. Too many women delay screenings, skip follow-up appointments, or are simply unsure about what’s really necessary. So let’s break it down—what causes cervical cancer, how we prevent it, and why regular screening could save your life.

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How to Choose a Checking Account That Actually Works for You
Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

How to Choose a Checking Account That Actually Works for You

Let’s be honest—choosing a checking account isn’t glamorous, but it is one of the most important decisions you’ll make in your day-to-day money management.

Your checking account is where your money lives. It’s how you pay bills, get paid, buy groceries, and transfer funds. So even though it feels routine, the right account can save you time, money, and stress—while the wrong one can quietly chip away at your balance with fees you didn’t see coming.

Here’s what to look for, depending on how you use your money:

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GLP-1 Weight Loss Is Greater for Women on Hormone Replacement Therapy
Health Dr. Tracy Verrico Health Dr. Tracy Verrico

GLP-1 Weight Loss Is Greater for Women on Hormone Replacement Therapy

Let’s talk about a new data point that deserves your attention if you’re a woman in midlife working to take control of your health—and your weight.

At the 2025 Annual Meeting of The Menopause Society, researchers presented findings that confirm what many of us have seen anecdotally: postmenopausal women on hormone therapy (HRT) experience greater weight loss on GLP-1 medications like tirzepatide than those who are not on hormones.

This isn’t just interesting—it’s important. And it’s exactly the kind of insight we need to be factoring into our conversations about weight management, especially in midlife.

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End-of-Year Financial Review and Tax Planning: Simple Steps to Strengthen Your Money Decisions Before January
Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

End-of-Year Financial Review and Tax Planning: Simple Steps to Strengthen Your Money Decisions Before January

As the year comes to a close, many women feel the pressure of unfinished goals, financial uncertainty, or the sense that time slipped by faster than expected. The end of the year can stir up emotions around money, especially if you set goals in January that now feel distant. But this season is the perfect moment to pause, review, and make smart adjustments that support your long-term stability.

You deserve clarity. You deserve confidence. And you deserve a plan that helps you step into the new year with purpose.

Let’s walk through a clear process you can follow, even if finances feel stressful or confusing.

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Healthy Holidays: How To Stay Well When Life Gets Busy, Social, And Tempting
Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Healthy Holidays: How To Stay Well When Life Gets Busy, Social, And Tempting

The holiday season can bring joy, connection, and special moments. It can also bring overeating, more drinking, long days, late nights, and the pressure to keep up with everyone’s expectations. Many women tell me they feel like they lose progress this time of year, only to start January feeling tired, guilty, or frustrated.

You deserve better than that. You deserve a season that feels good for your mind and your body. Here is a practical guide to help you stay steady, even when your schedule fills up and the treats keep coming.

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When Should You Consider Working With a Wealth Manager?
Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

When Should You Consider Working With a Wealth Manager?

Building wealth is one thing—but managing it effectively over time can be another challenge entirely. From minimizing taxes to planning for retirement, estate transfer, and risk management, having a professional to guide your strategy can make a big difference. That’s where a wealth manager comes in.

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Struggling with Bloating, Weight Gain, or Cravings? Your Gut and Hormones Are Talking—Here’s How to Listen
Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Struggling with Bloating, Weight Gain, or Cravings? Your Gut and Hormones Are Talking—Here’s How to Listen

If you’ve ever felt bloated by noon, craved sugar like your life depends on it, or noticed that weight gain feels impossible to reverse—especially around your midsection—your body isn’t betraying you.

It’s sending a message.

And that message? It’s coming from your gut and your hormones.

Let’s break it down—clearly, practically, and in a way that helps you take back control.

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