Coverage at every income level — yes, including yours

One of the most common reasons people don't reach out for help is a quiet assumption: "This probably isn't for someone like me." Lower-income folks assume good guidance costs money they don't have. Higher earners assume an agent won't understand their more complex situation. Both assumptions cost people real money.

Here's the truth: I work with the full range — from clients who qualify for Medicaid and Extra Help all the way to high earners managing IRMAA surcharges. The approach never changes. What changes is which doors are open to you.

If your income is more limited

There may be significant help available that you don't know about — programs that lower or eliminate premiums, cut prescription costs, and reduce out-of-pocket spending. Many people who qualify never apply, simply because no one told them. We'll check what you may be eligible for.

If you're somewhere in the middle

This is most people — not eligible for assistance programs, not in the highest tax brackets. For you, the work is about value: matching a plan to your doctors and medications so you're not overpaying for coverage you won't use, or underinsured where it counts. The core guides on Medicare's parts and the Marketplace are the right starting point.

If you're a higher earner

Your concerns are different. You may pay more for Medicare through income-based surcharges (IRMAA), and your decisions can ripple into tax and retirement planning. You want an advisor who understands that — not one who treats every client identically.

The only way to know what truly fits — and what help you qualify for — is to look at it together. Let's have that conversation; there's no cost, and you'll leave knowing exactly where you stand.