Ah, the change of the clocks, the never-ending temptation of Halloween candy and the mind numbing exercise of choosing new benefits! It's that time of year -- open enrollment -- and we have special guest Paul Essner of The Signature Group to help wade through the choices.

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Paul raised an important issue, but luckily it's one that you can address. As the cost of insurance rises, many are not taking into account their specific health care situations and as a result, they are not choosing the most affordable health care option.

The solution is easy: you need to understand how you are using health care and project what the year ahead will look like to determine the best plan for you. (Hint: Some may be better off using high deductible plans, paired with Health Savings Accounts!) Paul also addressed some of the nuances of the Affordable Care Act and its impact on employers, as well as how some companies are rolling out new benefits that could be advantageous.

Karen is 61 years old and plans to retire next year. Her big question is whether she will be able to supplement her pension and Social Security, to the tune of about $20K per year. The answer is yes, with a caveat…

We helped Sally figure out whether or not to take an employer buyout and discussed how Barbara and her husband should pay for long-term care.

Thanks to everyone who participated and to Mark, the BEST producer in the world. Check out Mark's first-producing credit for this CBS Evening News segment that aired recently. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio

Nationally recognized expert on credit reporting, credit scoring and identity theft John Ulzheimer joins us for a pre-holiday season credit boot camp! John is the President of The Ulzheimer Group, the Credit Expert at CreditSesame.com and the credit blogger for Mint.com. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry.

• Download the podcast on iTunes
• Download the podcast on feedburner
• Download this week's show (MP3)

John scared the you-know what out of us, as he discussed identity theft. Did you know that Phishing is out, but SPEAR-PHISHING is in? Bottom line: it's going to happen to you, so you better be smart about how you handle your information.

As we head into the holiday season, John offered tips about debit versus credit cards and rounds out our conversation with credit score basics. As a reminder, here's what determines your score:

• Payment History: 35%
• Total debt outstanding: 30%
• Credit History: 15%
• Inquiries (Hard): 10%
• Credit Mix: 10%

Here are links to John’s blogs:

• Mint.com
• CreditSesame.com
• CreditCardInsider.com

We had a great call from Mary in KY, who is contemplating retirement at the end of this year. Take a listen to hear how you might start thinking about your own retirement!

Thanks to Rita and Julie, who sent us lovely thank you notes and to Tucker, who gave us the opportunity to discuss having "THE TALK" with your aging parents. As a reminder, here is my updated post on "Estate Planning Checklists".

Thanks to everyone who participated and to Mark, the BEST producer in the world. Check out Mark's first-producing credit for this CBS Evening News segment that aired recently. If you have a financial question, there are lots of ways to contact us:

• Call 855-411-JILL and we'll schedule time to get you on the show LIVE 

• Send an email: askjill@jillonmoney.com 

• Tweet us: @jillonmoney and @MTalercio