Long-Term Care Planning

Protecting your assets from the biggest thing Medicare doesn't coverMost people assume Medicare handles long-term care. It doesn't. A single extended care event, whether at home, in assisted living, or a nursing facility, can cost $150,000 to $300,000+ and drain a lifetime of savings in a few years.I help you understand the real exposure and explore the options: hybrid life/LTC products, asset-based solutions, traditional coverage, and short-term care plans. If you don't qualify for coverage, I'll tell you that upfront and help you think through alternatives.

Additional Coverage

Filling the gaps Medicare leaves behindMedicare doesn't cover everything. I can also help with:

I'm an independent insurance specialist based in Marietta, Georgia. I focus on two things: Medicare and long-term care planning, specifically for successful professionals and retirees who want their healthcare handled with the same care as their financial plan.My background is a little different from most Medicare agents. I spent years in group benefits, working for an insurance carrier, a multinational brokerage, an enrollment technology firm, and a regional agency before starting my own practice. That experience means I understand both sides of the retirement healthcare transition: the employer plan you're leaving and the Medicare system you're entering.I work with clients across the country, though most are in metro Atlanta. I'm licensed in over 15 states, and most consultations happen by phone or video.You won't get a sales pitch from me. I explain your options clearly, tell you what I'd recommend and why, and let you decide. If something isn't a fit, I'll say so. My goal is for you to feel confident about your healthcare decisions, not pressured into them.

In-Depth Medicare 101 Guide

A series of videos and written tips that explains everything you need to know about enrolling in Medicare.

• Go to Guide

Financial Advisors

Your clients trust you with their financial plan. Who's handling the healthcare plan?As your clients approach age 65 or transition into retirement, complex healthcare questions inevitably arise. They need specific guidance on Medicare enrollment timelines, IRMAA premium surcharges, supplement plan selection, and long-term care exposure.While these topics fall outside the normal scope of wealth management, affluent clients expect a coordinated solution from their advisory team.I partner with financial advisors to take this entire process off your plate. As an outsourced Medicare specialist, I provide objective guidance to your clients. This protects your time and ensures they receive accurate advice on their healthcare liabilities. There's no cost for this service to you our your client.How The Partnership Works:- Simple Introductions: You connect me with your client through a brief email. I provide ready-to-use templates to make the handoff easy.- Private Consulting: I handle the entire healthcare conversation. This covers Medicare enrollment, IRMAA strategy, and objective recommendations for long-term care risk.- Consistent Updates: After meeting with a client, I send you a clear summary of the strategy we put in place. You stay completely in the loop so your client sees a united team.- Team Education: I am available to present to your firm or at client events regarding healthcare blind spots in retirement planning.The Strategic Advantage:- For Financial Advisors: You provide a seamless, high-end service to your clients without having to learn Medicare yourself. I operate with strict professional boundaries. I never touch investments, and any financial questions are directed straight back to you.- For Your Clients: They get a single, dedicated expert to walk them through a stressful transition. They work directly with me from start to finish, completely avoiding call centers and aggressive sales pressure.

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Benefits Consultants & Employers

No-Cost Outsourced Medicare Support for Benefits Consultants and HR TeamsWhen employees approach age 65, the transition from group health insurance to Medicare is confusing. Employees need specific answers about enrollment timelines, HSA rules, and avoiding late penalties. Naturally, these questions end up on HR's desk or get passed to the company's benefits consultant.Medicare is complicated, highly regulated, and falls outside the normal scope of group benefits management.I partner with benefits consulting firms and employers to take this entire process off your plate. As an outsourced Medicare specialist, I provide objective guidance to aging employees. This saves your team time and removes the liability of giving accidental or incorrect advice.Core Services Provided:- Educational sessions for Medicare-eligible employees and spouses (virtual or on-site)- One-on-one consultations for each employee: personalized plan comparison, enrollment assistance, and ongoing support- A direct line for HR: when Medicare questions come in, your client's benefits team has someone to contact- Year-round service: not just during open enrollmentThe Strategic Advantage:- For Benefits Consultants: You can offer a highly valued service to your corporate clients without having to learn Medicare yourself. I operate with strict boundaries. My practice focuses entirely on individual Medicare and retirement transitions, so I will never compete for your group health business.- For Employers and HR Directors: You immediately save administrative hours and reduce compliance risks. At the same time, you provide a premium transition benefit to your senior staff exactly when they need it most.

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