Services

How We Work

We specialize in helping individuals and families properly protect themselves from high out-of-pocket costs and raising premiums with all types of health insurance. 

Being specialized and experts in Medicare takes a lot of work. We can teach you about how the different parts of Medicare work, which parts work with which and which ones cannot be used together. A key concern for those who are on Medicare is keeping health care costs down, which includes both premiums and out-of-pocket costs as well.

We are experts in areas such as the Affordable Care Act (a.k.a. "Obamacare") as well as options available outside to the 2010 Health Care law.

We also educate our clients on how to shield themselves from risks they may not be thinking about. Protecting you and your loved ones from unexpected accidents and Critical Illnesses (such as Cancer, Heart Attack, and Strokes).

A key area to making sure you and yours are properly protected is through having the right amount and type of coverage for your current and future needs through the right type of life insurance. One area of risk that usually goes along with life insurance is having the proper amount and type of Long-term Care Insurance.

Another key area to consider when protecting yourself from risk is by having Disability Income Insurance (sometimes known as "Paycheck Protection") which will protect your greatest asset...YOUR ABILITY TO EARN AN INCOME!

In addition to ensuring our clients have proper insurance protection to shield them from the unexpected, we also help them develop a plan so they do NOT outlive their money during retirement.

For more information about our firm and the services we offer, you can schedule an appointment with our team, at your convenience. We believe that availability, is the best ability and would welcome the opportunity to help you get the answers you seek.

<strong>Medicare Options</strong>

Medicare Options

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The Patient Protection and Affordable Care Act (a.k.a. "Obamacare")

The Patient Protection and Affordable Care Act (a.k.a. "Obamacare")

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Non-ACA Health Insurance Options

Non-ACA Health Insurance Options

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Life Insurance &#38; Long-term Care

Life Insurance & Long-term Care

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Ancillary Benefits - Dental, Vision, Hearing, Critical Illness, Accident, Hospital Indemnity, etc

Ancillary Benefits - Dental, Vision, Hearing, Critical Illness, Accident, Hospital Indemnity, etc

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Disability Income

Disability Income

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Fixed &#38; Indexed Annuities

Fixed & Indexed Annuities

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Small Business Group Health Insurance &#38; Employee Benefits

Small Business Group Health Insurance & Employee Benefits

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Financial Coaching &#38; Budgeting

Financial Coaching & Budgeting

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