Helping individuals and couples prepare for retirement by coordinating Medicare decisions and insurance-based income strategies that protect principal, reduce risk, and create guaranteed lifetime income.
Retirement Planning Is More Than Investments — It’s About Income, Healthcare, and Certainty
Specialized Support for Those Preparing for or Already in Retirement
If you are within 10 years of retirement or already retired, the decisions you make today will determine how confident and secure your retirement feels tomorrow.
I work with individuals and couples who want:
Protection from market losses
Predictable, reliable income they can’t outlive
Clear Medicare and healthcare guidance
Survivor protection for a spouse
Simpler, more coordinated retirement decisions
I do not manage investments or sell securities. My role is to educate and implement insurance-based retirement solutions that complement, not compete with, your existing accounts.
A Different Approach to Retirement Planning
Most retirement plans focus heavily on accumulation and market performance. Retirement, however, is about distribution, risk management, and income stability.
As a Retirement Income & Medicare Planning Specialist (RSSA), I help clients identify:
Which income sources are guaranteed
Which are exposed to market risk
Where healthcare costs may disrupt cash flow
How long-term care could impact a spouse or legacy
From there, I design strategies that add certainty where it matters most.
Integrated Retirement & Healthcare Planning
Medicare enrollment and plan selection
Supplement vs Advantage education
Prescription drug cost analysis
Annual plan reviews
This is often the first step in uncovering broader retirement planning needs.
❋ Medicare & Healthcare Planning
Guaranteed vs non-guaranteed income analysis
Social Security timing education
Longevity and survivor income planning
Market risk and sequence-of-returns education
Education first — no pressure, no investment advice.
❋ Retirement Income & Risk Education
Fixed annuities for principal protection
Fixed indexed annuities for no-loss growth potential
Guaranteed lifetime income riders
Joint income and survivor benefits
Long-term care and hybrid solutions
Solutions are designed to stabilize retirement — not replace existing portfolios.
❋ Insurance-Based Retirement Strategies
The Retirement Readiness & Income Mapping Process
Healthcare & Medicare Review
We start with Medicare planning and healthcare costs — a critical foundation for retirement.Retirement Readiness Conversation
We identify income sources, risks, and gaps without discussing investments.Income & Risk Mapping
We clarify what’s guaranteed, what’s at risk, and how long income must last.Strategy Design
Insurance-based solutions are used to create income floors, reduce volatility, and protect spouses.Ongoing Coordination
Annual Medicare reviews and retirement checkups keep everything aligned as life changes.
Is This the Right Fit for You?
This approach is ideal if you value:
Stability over speculation
Guarantees over guesswork
Education before implementation
It may not be a fit if you are looking for:
Stock picking or market timing
Investment portfolio management
Short-term performance chasing
Experience You Can Rely On
Licensed Insurance Broker
Medicare Specialist
RSSA® – Registered Social Security Analyst
Retirement-focused education and planning
Clarity. Confidence. Coordination.
Retirement doesn’t have to feel uncertain or overwhelming. With the right guidance, you can protect what you’ve built and create income you can rely on, no matter what the market does.