PRESERVING RETIREMENT ASSETS & BUILDING family legacies

Life insurance is a promise - one of the most important promises of all - a promise to be there when you and your family need it most.  

Life insurance is a gift of tax-free and probate-free assets for your beneficiaries, which may include family, friends, charities, and religious organizations. 

Life insurance can help you build a "Legacy of Wealth" for generations. 

REMEMBER...  life insurance isn't for you.  It's for them.  

Please go to our Appointments tab to schedule a meeting.  

We have Medicare's National Certification (AHIP) and can help you understand ALL your Medicare options from Supplements (Medigap) to Advantage plans (part C) so you can make an informed decision and choose the plan that will be best for you.  

Advisors who do not have Medicare's annual National Certification may not enroll customers in Advantage plans and are not authorized by Medicare to compare the Pros & Cons of Advantage plans and Supplement plans.  

We explain the four parts of Medicare (A, B, C, and D) what each part does, the pros & cons of Supplements and Advantage plans, how they are similar yet different, how to avoid Medicare's penalties, which plans offer "extras" like fitness benefits, over-the-counter allowances, etc.  And especially important, we make sure you understand the Out-of-Pocket costs of your plan before you enroll. 

When you have made your decision, we complete your enrollment so there are no delays or complications, and you get the plan you want and the effective date you need. 

The Official Government Guide:  Choosing a Medigap Policy

Looking for Drug Coverage?  

WellCare and Cigna HealthSpring offer excellent prescription drug plans for 2026!  

You can even enroll yourself after you enter your prescriptions to make sure they are included in the Formularies!  Check them out at these links...  

WellCareRx 

Cigna HealthSpring Rx

We also help with other types of coverages that Medicare clients often want to discuss like Cancer and Heart & Stroke plans and Long-Term Care Insurance.  

Please go to our Appointments tab to schedule a meeting.  

The ACA Marketplace

We can also help you with the "Affordable Care Act Federally Facilitated Marketplace" which is for people who are under 65 or otherwise not eligible for Medicare.  

See the plans available in your area at... 

https://www.healthsherpa.com/?_agent_id=stephen-burgett

Long-Term Care Insurance is an important decision - and often a difficult and confusing one. We help our clients understand the different types of Long-Term Care Insurance options including: 

• Traditional plans that are paid with a premium (often single-pay or monthly) and provide a monthly benefit when you need it.  
• Hybrid plans that can be either insurance-based or annuity-based with "living benefits" you can use for LTC services at home or in a facility. 
• Life Insurance with LTC Rider plans that pay benefits when you qualify for LTC. 

Long-Term Care plans can be funded through monthly premiums or with fund transfers from other assets, e.g.  IRAs.  We explain the tax treatment and the pros and cons of each so you can decide which type of plan will be best for you.  

We help you find a level of Long-Term Care benefit that is within your budget, and we explain how you qualify (physically or mentally) to receive long-term care benefits when the time comes - based on the "6 Activities of Daily Living" or on significant cognitive decline - and how you can receive your long-term care services In-Home or in a facility.

Please go to our Appointments tab to schedule a meeting.  

There are lots of options for Dental Vision & Hearing (DVH).  The site we like is DentalPlans because they offer lots of options.  Here is the link...  DentalPlans. 

When you go there, you can just put in your zip code and you can see lots of plans available in your area - and you can also look up the dentists who accept the various plans.  

You can choose from dental savings plans and dental insurance plans.  

Always check the benefits and whether plans have waiting periods for certain procedures. Some of the dental plans include vision & hearing benefits.  

If you find a plan you like, you can even enroll yourself.  Or if you want to meet and talk about it, just go to our Appointments tab to schedule a meeting.  

LIVING WELL LONGER is great but the biggest fear among seniors has now become "what if I outlive my money?"  

The answer for many seniors is a "Retirement Annuity" which provides you with a guaranteed income for life - an income you can't outlive, which can pass to your beneficiaries tax-free. 

A "Retirement Annuity" is actually a Fixed Indexed Annuity (FIA) which protects your money from the downside of the market while giving you a piece of the upside.  

The FIA is often referred to as "The Retirement Annuity" because it is such a great fit for your IRA, 401k, or other retirement assets.  

The FIA is the only type of annuity that is recommended by many well-known financial advisors like Dave Ramsey and Suze Orman.  

Suze is very critical of annuities in general, but she advises that "an FIA is something everyone should have as a part of their retirement plan."  

Dave likes to say "an FIA will protect that part of your money you don't want to lose." 

We are happy to say that NONE of our FIA clients has ever lost a penny!  

Please go to our Appointments tab to schedule a meeting.  

We work with our partner, Wellmark BCBS, to help businesses find the health insurance coverage that is best for their businesses and their employees. 

We typically provide employers with quotes for 10-15 distinct plans so they can compare options and choose the best plan(s) to offer their employees.  

We help employers understand the many state requirements like the 65-5300 form, the application process, enrollment deadlines, the network options, etc.  

Please go to our Appointments tab to schedule a meeting.