Independent Insurance Broker
Plan Ahead. Protect What You've Built.
The right retirement protection looks different for everyone. Specializing in Long-term Care Insurance and Lifetime Income Annuities
These products are most successful and efficient when purchase BEFORE retirement!
Your Retirement Checklist
What Should You Consider?
Think ahead to your 85-year-old self. These four factors shape which retirement protection strategy makes sense for you.
Family Health History
If longevity runs in your family, a lifetime income annuity ensures cashflow that lasts — beyond just Social Security. A family history of Alzheimer's? A long-term care insurance plan would likely be a very good idea.
Your Retirement Spending Goals
Want to invest aggressively and leave your children as much as possible? You may still want to set aside funds for a long-term care policy. Paying for care with after-tax dollars is expensive — and selling assets to cover care can drive up your investment income and Medicare Part B premiums. A long-term care policy is far more tax-efficient.
Your Family's Ability to Help
Consider your children's ability — and desire — to help if you become frail. Let them be there to visit you and provide love and support, not to manage your daily care. Call today to learn how a Long-term Care policy can help.
Your Current Net Worth
A Long-term Care plan may not be right for you. If your net worth (outside home equity) is limited, it may be wise to continue investing carefully rather than purchase a policy.
Retirement Protection Options
One Size Does Not Fit All
Unlike auto insurance — where the problem and solution are the same for everyone — retirement products offer different solutions for your specific concern.
Long-Term Care Insurance
Covers custodial care costs in a tax-efficient way, protecting your assets and your family from the financial burden of extended care needs.
Lifetime Income Annuity
Provides a guaranteed monthly income payment for life — ensuring you have cashflow that lasts forever, beyond just your Social Security payment.
Specialty Plans
Heart attack and cancer insurance for those with specific related concerns. Targeted protection for the risks that matter most to you.
About Your Broker
An Independent Broker. No Quotas. No Pressure.
"Apply while you're still relatively young — qualifying can be surprisingly difficult."
I am an independent insurance broker specializing in retirement products. I do not have an "assets under management" quota, or any other quota. I am here to discuss your needs and share information about what is available to you.
I partner with LTC Tree (ltctree.com), which I researched carefully and believe to be the best independent broker for retirement products. At LTC Tree, we are all about helping you find the right product with no pressure.
Many seniors are caught off-guard when costs snowball later in retirement. Let me help you sort through possible scenarios and discuss the options you have for dealing with them.
A Critical Word on Timing
Most agents focus on the lower premiums available at a younger age — and while that's true, there's something more important to know: qualifying for these plans can be surprisingly difficult. Many of us are used to group health plans where you simply sign up. But retirement health products are subject to medical underwriting. A minor heart condition discovered at a wellness visit, a cancer history, memory issues, or past surgeries can make you ineligible. Apply while you are still healthy.
Take Action Today
Don't Wait Until It's Too Late
The window to qualify for long-term care and retirement protection products can close faster than you expect. The best time to apply is while you're still healthy and relatively young. Let's have a conversation — no pressure, no quotas.