City Spotlight

Financial expert Frank Ho joins City Spotlight to explain how annuities work and who may benefit from guaranteed lifetime income. Learn the differences between fixed indexed, variable, immediate and deferred annuities, including cash value, income base, withdrawal rules, surrender charges, taxes, fees and death benefits—plus the key pros and cons to consider before adding an annuity to your retirement plan.

Financial expert Frank Ho joins City Spotlight to compare Traditional IRA and Roth IRA tax benefits, contribution and income limits, withdrawal rules and required minimum distributions (RMDs). Learn how Roth conversions, Backdoor Roth IRAs, 401(k) rollovers, inherited IRAs and SEP IRAs for self-employed workers may fit into your retirement and tax planning strategy.

Eric from Eric’s Time Channel joins City Spotlight to discuss senior mental health, including depression, loneliness, social isolation and sleep problems among Asian immigrant older adults. Learn how families can support aging parents through better communication, meaningful social activities, healthy routines, improved sleep habits, and balance and strength exercises for fall prevention.

Financial expert Frank Ho joins City Spotlight to explain how to recognize and prevent phone scams, government and bank impersonation, caller ID spoofing, SIM swap fraud, romance scams and fake investment platforms. Learn how to verify suspicious calls, protect retirement and financial accounts, spot identity theft, and freeze your credit with Experian, Equifax and TransUnion.

Dentist Dr. Lee joins City Spotlight to explain the early signs of gum disease and periodontal disease, including bleeding gums, gum recession, bone loss and loose teeth. Learn how dry mouth, diabetes and aging affect oral health, and how brushing, flossing and regular dental cleanings can help prevent root cavities and tooth loss after age 50.

Financial expert Frank Ho joins City Spotlight to compare 401(k), Traditional IRA and Roth IRA retirement accounts. Learn about 401(k) rollovers, early withdrawal penalties, Required Minimum Distributions (RMD), Roth conversions, 2026 contribution and catch-up rules, and how retirement withdrawals may affect taxes, Social Security benefits and Medicare premiums.

Financial expert Frank Ho joins City Spotlight to explain how much money you may need for retirement. Learn how to calculate retirement savings, income, cash flow and living expenses using the 4% rule, while planning for Social Security, 401(k), IRA, inflation, Medicare costs, long-term care and unexpected expenses, especially for those retiring in California and the Bay Area.

Medicare advisor Helen joins City Spotlight to explain Medicare Part C, also known as Medicare Advantage. Learn about plan benefits, zero-premium plans, copays, prescription drug coverage, doctor networks, prior authorization and out-of-pocket limits, as well as the differences between HMO and PPO, Medicare Advantage and Medigap, and what seniors should consider before enrolling or changing plans.

Financial expert Frank Ho joins City Spotlight to explain essential estate planning documents, including wills, revocable living trusts, powers of attorney and advance health care directives. Learn how to avoid probate, transfer property and financial accounts, select a successor trustee or beneficiary, and prepare for future financial and medical decisions through estate planning in California.

Dr. Pak from the San Francisco Department of Public Health joins City Spotlight to explain intermittent fasting, including the 16:8, 12:12 and 5:2 methods. Learn how fasting affects blood sugar, insulin and fat metabolism, what to eat and drink while fasting, and the potential risks for seniors, people with diabetes, high blood pressure or chronic conditions, and those taking medication.

Financial expert Frank Ho joins City Spotlight to compare claiming Social Security retirement benefits at age 62, full retirement age or 70. Learn how early benefits, delayed retirement credits, working income limits, health, savings, spousal benefits and survivor benefits can affect your monthly payments—and how to choose a Social Security strategy for your retirement.

Covered California Bay Area representative Wenjia joins City Spotlight to explain key health insurance changes for 2026, including rising premiums, federal subsidies, a shorter open enrollment period and premium tax credit repayment rules. Learn who qualifies for Covered California, how to transition from Medi-Cal, when to update your income, and how to avoid losing coverage or repaying unexpected subsidies.

Healthcare consultant Helen joins City Spotlight to explain Medicare Parts A, B, C and D, including eligibility, enrollment periods, prescription drug coverage and out-of-pocket costs. Learn the differences between Original Medicare, Medicare Advantage and Medigap, how Part D and the Medicare Prescription Payment Plan work, and what to consider when choosing coverage for doctors, medications and travel.

California Department of Health Care Services Deputy Director Yingjia Huang joins City Spotlight to explain Medi-Cal eligibility and major policy changes for 2026 and 2027. Learn about Medi-Cal asset limits and reviews, new work requirements, renewal rules, immigrant coverage, and the differences between Medi-Cal, Medicare and Covered California, and how to avoid losing your health coverage.

On Lok Chief Operating Officer Nicole joins City Spotlight to discuss the challenges of the sandwich generation, adults caring for aging parents while raising children and managing work. Learn how early senior care planning and On Lok PACE provide comprehensive medical care, home support, transportation and caregiver resources to help older adults age in place while easing the burden on Bay Area families.

Psychology expert Eric Chi joins City Spotlight to explain the psychology behind New Year’s resolutions, goal setting, dopamine and motivation. Learn how to set realistic goals, break them into manageable steps, build healthy habits, stay motivated and turn personal goals into sustainable action—without waiting for January 1 to make a fresh start.