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Blog · page 2

Data-driven financial guides — page 2

Real numbers from the IRS, LIMRA, and the U.S. Census — turned into plain-English answers you can act on.

Page 2 of 5

Articles 7–12, newest first

FINANCE Financing a ColumbiaCity business: the sixnumbers to run before Tim Berry Financial Services · Data Desk $78,083Whitley County median household income, 2024

Financing a Columbia City business: the six numbers to run before you sign the note

Whitley County has the second-highest median household income in northeast Indiana and a business base that mostly borrows once a decade. That combination means the note gets signed on the lender's terms — because the owner has never had a reason to learn what the other five numbers on the page do.

RETIREMENT Warsaw retirementincome: turning aKosciusko County career Tim Berry Financial Services · Data Desk 1.00%Kosciusko County income tax rate, 2026 — the$310.6B$385.4B$434.1B

Warsaw retirement income: turning a Kosciusko County career into a paycheck that doesn't stop

Kosciusko County has the lowest county income tax rate in northeast Indiana at 1.00%, and one of the region's higher median incomes. That combination changes the arithmetic of retiring here — and it changes which part of your savings should be guaranteed and which part shouldn't.

MEDICARE Medicare Advantage vs.Original Medicare in2026: an honest Tim Berry Financial Services · Data Desk 35.2MPeople in Medicare Advantage in 2026 (KFF)19%31%39%54%

Medicare Advantage vs. Original Medicare in 2026: an honest comparison

Choosing between Medicare Advantage and Original Medicare is one of the biggest retirement decisions you'll make. Using current 2026 numbers from KFF, CMS, and Medicare.gov, here's an honest, no-sales-talk comparison of what each really costs and covers.

INSURANCE What term life insuranceactually costs in FortWayne at 35, 45, and 55 Tim Berry Financial Services · Data Desk 10–12×How much adults 18–30 overestimate term life$32.50$43.50$76.00$119.00

What term life insurance actually costs in Fort Wayne at 35, 45, and 55

Most people guess term life costs several times what it does, so they stall for years. Here are two government-published age-banded rate cards, the mortality math underneath them, and what the price really does between 35 and 55.

TAX What Indiana's incometax actually costs aFort Wayne retiree Tim Berry Financial Services · Data Desk 2.95%Indiana individual income tax rate, 2026 (In$0$0$0$2,270

What Indiana's income tax actually costs a Fort Wayne retiree

Indiana doesn't tax Social Security at all, but it taxes every dollar you pull out of a traditional IRA — at the state rate plus your county rate. For Allen County in 2026 that's 4.54%, and the mix of your income decides what it costs.

TAX Allen County vs. thecounty next door: whatlocal income tax really Tim Berry Financial Services · Data Desk 1.13ppSpread between the highest and lowest county1.00%1.59%1.60%1.65%

Allen County vs. the county next door: what local income tax really costs you

Two identical northeast Indiana households living twenty minutes apart can owe hundreds of dollars a year more in county income tax. The 2026 rates run from 1.00% in Kosciusko to 2.13% in DeKalb, and almost nobody checks before they sign.

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