Frequently Asked Questions
When can I sign up for Medicare?
You can start enrolling in Medicare during your Initial Enrollment Period (IEP). This begins three months before your 65th birthday, includes your birthday month, and continues for three months after. While it’s never too early to start learning about your options, you’ll want to wait until this window to officially sign up.
What if I’m still working at 65? Do I need Medicare?
Not necessarily. If you’re covered by an employer health plan (yours or your spouse’s), you may be able to delay Medicare without any penalties. Everyone’s situation is different, so we’ll sit down with you and review what makes the most sense.
What types of Medicare Supplement (Medigap) plans do you offer?
We work with a wide variety of trusted providers like Humana, UnitedHealthcare, Blue Cross Blue Shield, and many others. Because every person’s healthcare needs and budget are unique, we’ll help you compare plans to find the right balance of cost and coverage.
Do I need a Medicare Supplement plan if I already have Medicare?
Original Medicare covers a lot, but it doesn’t cover everything. Things like deductibles, coinsurance, and copayments can add up. A supplement plan (Medigap) helps cover these gaps, giving you more peace of mind and fewer surprise bills.
Can you help me choose between Medicare Advantage and Medicare Supplement?
Yes! Each has its own pros and cons. We’ll walk you through both options in plain language, so you can make a decision that feels right for your lifestyle and budget.
Do you charge for Medicare help?
No. We never charge for Medicare services. Our job is to guide you through your options and make the process easy and stress-free.
MEDICARE
Retirement Investing & 401(k) Planning
What happens to my 401(k) when I retire?
You have several choices: keep it where it is, roll it into an IRA, move it to a new employer’s plan (if you’re still working part-time), or cash it out. We’ll help you understand the benefits and drawbacks of each so you can make the best decision.
What is a 401(k) rollover, and why should I consider one?
A rollover lets you move your 401(k) into another retirement account, like an IRA, without paying taxes or penalties. Many people choose this option for more control, flexibility, and potentially lower fees.
Can you help me decide how to invest my retirement savings?
Yes. We’ll take time to understand your goals, comfort level with risk, and long-term needs. Then we’ll help you explore options to make sure your money is working for you in retirement.
What’s the difference between a 401(k) and an IRA?
Both are retirement savings accounts, but they have different rules and benefits. A 401(k) is offered through an employer, while an IRA is something you set up on your own. We’ll help you understand how each works, and which makes sense for your retirement plan.
Can you help me with both healthcare and financial planning?
Absolutely. Retirement planning is about the whole picture. We’ll make sure your healthcare coverage and your investments work hand-in-hand, so you can focus on enjoying life.
Do you charge for retirement and investment services?
No. We never charge for retirement planning or investment guidance. Our mission is to help you make the best decisions for your future without added costs. We strive to make the process easy and stress-free.