We do not charge for consultations; in addition, we provide free of charge annual reviews of our clients’ Medicare Coverage and retirement plans since we all know life brings constant change. Once we have gained an understanding of you and your goals, we want to check annually to make sure that your goals are still properly aligned with your health & retirement plan.

Medicare planning is all about selecting the right plan, so you get the proper coverage and do not have financial hardship due to medical bills. SIMPLY PUT, Medicare planning will keep you out of medical debt and will allow you to budget for your medical expenses.

According to the Center for Retirement Research at Boston College – Health care expenses in Retirement Average $67,000- even with a Medicare insurance plan, do not just let an insurance agent select a plan for you, we are experts in helping you navigate Medicare Insurance.

Medicare Planning can help you avoid the stats listed below!

• According to the National Council on Aging Survey of Consumer Finances
  60% of seniors have Medical Debt, with a median total of $31,300
• A study in the Journal of General Internal Medicine found that out-of-pocket medical expenditures in the five years prior to an individual’s death total more than $38,000, leaving 1 in 4 senior approaching bankruptcy
• More than 84% of people aged 65+ are coping with at least one chronic condition

We specialize in providing expert guidance to help you choose the most suitable Medicare Advantage Plans and Medicare Supplements and will make the process stress free. Moreover, we with work with guardians, power of attorneys, social workers, and individuals who require special needs planning in navigating Medicare.

Long Term Care planning is something that applies to everyone we work with. Proper planning protects you, spouses, and family members financially. Medicaid planning is one of the strategies that can be used to successfully cover long term care costs and ensure your finances are not depleted. We will assist in planning ahead and devising a comprehensive plan that is tailored to a client’s unique needs. Given that 70% of seniors will require long-term care services at some point in their lives, it’s essential for everyone to be knowledgeable about long term care options.

Social Security Planning is a vital and all-encompassing approach to ensure that you make the best decisions regarding your Lifetime Benefits. With the right planning, you can potentially receive tens of thousands of additional retirement dollars. Don’t leave it to chance – allow us to remove the guesswork by helping you determine the optimal time to take your benefits based on your unique circumstances. Trust us to guide you towards a sound financial future.

Asset preservation, taxes, heirs and medical directives – these are the key pillars of estate planning. You’ve worked too hard to let the government probate your assets and the prospect of being hospitalized without anyone authorized to make medical decisions on your behalf is daunting. Shockingly, only 33% of Americans will have a will or trust in place. Many erroneously assume that a simple will is sufficient to keep their assets out of probate. A simple will is not enough to protect your assets. Estate planning is essential for anyone with assets, regardless of their age. Don’t wait – safeguard your legacy with proper estate planning.

Absolutely! We collaborate with seasoned professionals to help them provide comprehensive Medicare options, life insurance planning, long term care options and lifetime guaranteed income strategies to their clients.

We all know the Government annually makes changes to Medicare, Social Security, and the tax code that impact one’s finances. Additionally, life circumstances require adjustments to be made. This is why provide annual reviews to our clients.