Focused Services for Retirement Clarity and Confidence
Retirement planning involves many moving parts — income, healthcare, risk, and longevity — and each decision impacts the others. My services are designed to help individuals and couples prepare for retirement through education, coordination, and insurance-based strategies that bring clarity and confidence to the process.
I do not manage investments or provide securities advice. Instead, I work alongside existing portfolios to help reduce uncertainty and create stability where it matters most in retirement.
What I Offer
MEDICARE & HEALTHCARE PLANNING
Who this helps:
Individuals approaching age 65 or already enrolled in Medicare who want clear guidance and ongoing support.
What this includes:
Medicare education and enrollment guidance
Medicare Supplement vs Medicare Advantage comparisons
Prescription drug plan analysis
Provider and network considerations
Annual plan reviews and updates
Why it matters:
Healthcare decisions directly impact retirement income. Choosing the right Medicare plan helps control costs, reduce surprises, and protect cash flow throughout retirement.
RETIREMENT INCOME & RISK EDUCATION
Who this helps:
Pre-retirees and retirees who want to understand how long their income needs to last and where risks still exist.
What this includes:
Guaranteed vs market-dependent income review
Social Security claiming education (RSSA®)
Longevity and survivor income considerations
Sequence-of-returns risk education
Retirement readiness conversations
Why it matters:
Understanding income sources and risks allows you to make informed decisions and avoid unnecessary stress in retirement.
INSURANCE-BASED RETIREMENT STRATEGIES
Who this helps:
Those seeking principal protection, income guarantees, and reduced market exposure for a portion of retirement assets.
What this includes:
Fixed annuities for stable growth and protection
Fixed indexed annuities with no market loss potential
Guaranteed lifetime income riders
Joint and survivor income planning
Long-term care and hybrid solutions
Why it matters:
Insurance-based strategies can create income floors and reduce reliance on market performance, allowing other assets more flexibility.
A Coordinated Approach to Retirement
While each service can stand alone, the greatest value comes from coordination. Medicare planning, income education, and insurance strategies work together to reduce risk, protect income, and simplify retirement decisions.
This approach helps ensure that healthcare costs, income needs, and long-term planning are aligned, not working against each other.
Start with a Retirement Readiness Conversation
Whether you’re approaching retirement or already retired, the first step is understanding where you stand. A Retirement Readiness Conversation provides clarity around income, healthcare, and risk — without pressure or obligation.
Insurance products are not FDIC insured and may involve surrender charges or limitations. Guarantees are backed by the financial strength of the issuing carrier. I do not provide investment, tax, or legal advice.