Our Services
Retirement Income Planning
Medicare is one piece of retirement security, not the whole thing. We also help you protect savings from long-term care costs and create guaranteed income through annuities — so your healthcare and your finances work together instead of in separate silos. It's the difference between a plan and a policy.
The full picture
From IRMAA-aware income planning (so a spike in income doesn't quietly raise your Medicare premiums) to long-term care protection and guaranteed-income options, we help Western Slope and Southeast Utah retirees build a plan that lasts as long as they do.
How it connects to Medicare
Your income affects your Medicare costs through IRMAA, and an unexpected long-term care need can drain the savings you're counting on. Planning them together — rather than treating Medicare and retirement as separate errands — protects both your health coverage and your nest egg.
Independent and honest
Because we're independent, we recommend a strategy only when it genuinely fits your goals and risk comfort, and we shop products across carriers. If an annuity or policy isn't right for you, we'll say so plainly.
Where Medicare and your income plan meet
The two are more connected than most people realize. Your income two years ago sets whether you pay an IRMAA surcharge on your Medicare premiums today, so how and when you draw from retirement accounts, sell an asset, or convert an IRA can quietly raise your Part B and Part D costs. We coordinate those decisions so a one-time income spike doesn't push you into a higher Medicare bracket, and we build the healthcare and income sides of your plan to work together rather than in separate silos.
Protecting against the big risks
A long-term care event is the single biggest threat to a retirement plan — Medicare doesn't cover extended custodial care, and paying out of pocket can drain savings fast. We walk through the options that guard against it (traditional or hybrid long-term care coverage, and guaranteed-income tools that keep paying no matter how long you live), then right-size them to your budget so you're protected without over-insuring.
Questions, answered
Do you only do Medicare?
Medicare is our focus, but we also help with life, final expense, long-term care, and annuities so your whole retirement is covered — coordinated, not scattered across different agents.
What is IRMAA and why does it matter for planning?
IRMAA is an income-based surcharge on your Medicare premiums. Smart income planning can help you avoid crossing a threshold unnecessarily — we factor it into your retirement picture.
Is there a fee for retirement income planning?
Our guidance is free; if you choose an insurance-based product like an annuity, the carrier compensates us, never you. We only recommend what fits your goals.
Official Medicare sources
We point you to the federal sources so you can verify everything:
- Medicare.gov — official Medicare costs, coverage, and rules.
- Medicare Plan Compare — compare Medicare Advantage and Part D plans by ZIP.
- Social Security (ssa.gov) — enroll in Parts A & B and check eligibility.
- CMS.gov — Centers for Medicare & Medicaid Services.
Education only — confirm current figures on Medicare.gov. We do not offer every plan available in your area.
Last updated . Maintained by the Medicare On Main Data Desk · reviewed by Brian Penner, Independent Medicare advisor (NPN 16493717).