If you are close to turning 65, don’t wait – give us a call so that we can educate you on Original Medicare, Group Insurance transitions into Medicare, understanding the differences between Supplements and Advantage Plans, Part D prescription plans, and other coverage that ‘fills the gaps’ necessary to save money and enhance benefits.

Annual Enrollment Period is between October 15 to December 7th. If you have already been in Medicare and beyond the ‘initial enrollment period’ then we can make educated shifts or changes to coverage with Advantage Plans and Part D Drug Plans. We can also take a look at Supplements (which are month-to-month) to seek to save money for clients based on increased premiums of the previous year. We work with all top carriers and ‘shop for clients’.

When premiums increase with your “Medicare Supplements” (usually on your birthday or random increases throughout the year), then it is time to evaluate specific Supplement Carriers that can offer the same PLAN at lower rates. If you are not in the guaranteed issues phase, you need to find out if you are eligible to make changes based on health questions. Part D Drug Plans and Advantage Plans are one-year contracts and can usually only change during the Annual Enrollment Period unless dissatisfaction unfolds.

We are the greatest of products that serve retirement needs such as safety, growth, liquidity, managed money, guaranteed safety, etc. We work with both Insurance products and also Fiduciary services. We help you understand the differences between non-qualified and qualified accounts so you understand tax implications while balancing any portfolio as we move toward and into retirement.

When individuals create assets (Property, IRA’s, 401K’s, Savings/Checking, etc.) they need to be protected. This is where Estate Planning comes into play through Wills, Trusts, Revocable and Irrevocable trusts. We partner with top quality attornies offering their services through partnerships we have.

Pensions are rare birds today. Most opt into the 401K or 403B options. Pensions that are present in people’s lives due to employer options may have a ‘lump-sum’ option or ‘income-sum’ for life as offered through their contract/pension. Many times, we work with individuals and can offer greater growth and/or increased income for life, through products pensions may not offer.