Guides · page 2
Long answers to the questions that deserve them.
No listicles, no email gate, no sign-up. Each of these is a full guide to a decision people actually have to make — written by the person who would be advising you on it.
- Life insurance
- Health insurance
- Medicare
- Retirement
- Working with us
Page 2 of 4
The full library.
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Life insurance When term life ends
The renewal letter makes it look like there is one decision to make. There are four, one of them has a deadline you may already be close to, and the cheapest option is not always the right one. -
Medicare Six weeks to AEP
The Annual Enrollment Period is eight weeks long and most of it is queueing. The work that decides your outcome belongs in September, and it is mostly paperwork. -
Retirement Annuities, explained honestly
Fixed, MYGA, indexed and immediate annuities compared. How surrender schedules, income riders and roll-up rates really work, and the income gap analysis that decides whether you need one at all. -
Medicare What a plan comparison includes
A real comparison is not a brochure. Here is exactly what we check, what goes in the written summary, and why a plan that fails two specific tests never makes the shortlist. -
Life insurance Term vs whole life vs IUL
What each type of life insurance actually does, what it costs, how to read an illustration, and how to work out which one your situation calls for — without the sales pitch. -
Health insurance ACA subsidies, explained
How the premium tax credit is calculated, why cost-sharing reductions only work on Silver plans, what counts as household income, and how retiring early changes the math. -
Medicare Reading your Annual Notice of Change
The envelope that arrives every September is the only personalized document you get all autumn. Here is how to read it in ten minutes and what each change actually costs you. -
Medicare The Annual Enrollment Period, properly
AEP runs October 15 to December 7. Here is what actually changes on January 1, how to read your Annual Notice of Change, how to compare plans on total cost, and what to do if you miss the window. -
Medicare Why a drug review beats a quote
The cheapest Part D premium in your county is routinely not the cheapest plan. Twenty minutes with your actual bottles is the highest-value conversation in Medicare.
Talk to someone
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