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For the Week of December 19th, 2025
Holiday Scams, Social Security Shakeups, and a Primary Care Doctor Shortage
As Christmas brings family, generosity, and reflection, it also ushers in critical financial decisions and rising risks for retirees. This week’s headlines include a surge in holiday scams targeting seniors, year-end giving strategies that could lower your 2025 taxes, and Dave Ramsey’s surprising advice about when to take Social Security. Meanwhile, a growing doctor shortage threatens Medicare access - and new tax rules could change how your benefits are taxed starting next year. Before you leave out your cookies for Santa, take a few moments to review this week’s need-to-know updates and make sure you’re protecting your health, your wallet, and your future.
By RetirementRedFlags.com
A thriving retirement isn’t just about what you’ve saved. It’s about staying informed, making smart moves, and being ready for what’s next.
1. Health Care Squeeze: Primary Care Access Shrinking
A new report warns that the U.S. isn’t ready for the wave of aging boomers entering Medicare - especially in primary care. With more than 10,000 new Medicare enrollees each day and a declining number of doctors entering primary care, access is becoming a serious issue. Retirees may soon face longer waits, fewer options, or the need to use telehealth and nurse practitioners instead of physicians.
Action Steps:
✔ If you haven't already, establish care with a primary doctor now - don’t wait until you’re sick.
✔ Explore telemedicine or community health clinics if availability is limited.
✔ Ask your provider how they manage Medicare patients and long-term care needs.
2. 🎄 Holiday Scams Are Everywhere - Especially Targeting Retirees
Better Business Bureau Article
Scammers are ramping up for the holidays, and retirees are top targets. The Better Business Bureau’s “12 Scams of Christmas” list warns of fake shipping texts, phishing emails with “free gifts,” deceptive charity sites, and social media scams like the “Secret Sister” gift exchange. These scams often prey on trust and holiday generosity - costing victims money and compromising their identity.
Action Steps:
✔ Don’t click on links in unexpected texts or emails - verify directly with carriers or companies.
✔ Warn others in your circle, especially older friends or family, to stay skeptical of “too good to be true” offers.
3. Smart Year-End Giving: Lower Taxes While Giving Back
The clock is ticking on 2025 tax planning, and charitable giving offers a powerful strategy. Retirees who must take required minimum distributions (RMDs) can use Qualified Charitable Distributions (QCDs) to donate directly from an IRA, satisfying RMD rules without increasing taxable income. Other strategies, like donating appreciated stock, can also help minimize capital gains taxes.
Action Steps:
✔ Make QCDs before December 31st - don’t wait until the last week of the year.
✔ Donate appreciated assets instead of cash to avoid capital gains.
✔ Keep records and get receipts to claim deductions properly on your taxes.
4. Big Changes to Social Security & Taxes in 2026
Changes are coming to how Social Security income is taxed - and it could save retirees thousands. A temporary new deduction is designed to lower taxable income from benefits. At the same time, a 2.8% COLA increase is set for 2026, and the maximum benefit could exceed $5,400/month for those who delay claiming. Strategic planning now can make tax time easier and maximize benefits.
Action Steps:
✔ Adjust tax withholding early - new rules may affect your refund or balance due.
✔ Watch for your SSA-1099 forms by the end of December to prep your return.
✔ Consider using Roth withdrawals or spreading out income to minimize your Medicare IRMAA surcharges.
5. Dave Ramsey: Should You Claim Social Security Early?
Dave Ramsey stirred up debate this week by suggesting many baby boomers might benefit from claiming Social Security as early as 62. While early claiming reduces your monthly benefit by up to 30%, Ramsey argues that for those with shorter life expectancies or limited assets, early access to funds can make sense. Still, many experts urge caution - waiting until 70 offers the maximum monthly benefit.
Action Steps:
✔ Talk to a financial advisor about your specific life expectancy, income, and goals.
✔ Consider delaying if you’re healthy and don’t need the money now.
If you have any questions about the headlines that hit the news this week, we are answering questions in our free Facebook group The Retirement Red Flags Community. Click below and we will make sure you get added.
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