I am focused on helping individuals work through crucial retirement decisions, such as:

 

• Considering applying for social security benefits or should you wait? 

• Wondering what your full retirement age is so you don’t get penalties and loose money based off an allowed income threshold?

• Thinking about how you will replace your paycheck when you fully transition into retirement, or how long the retirement income can last?

• Need advice on what will your current tax situation will be in retirement?

• Need advice on how to manage your portfolio so you can minimize risk and maximize returns?

• What are the rules and timelines for when you have to apply for Medicare?

• When should you apply for Medicare if you are working past 65?

• Can you keep your current health plan working past 65?

• What will your insurance costs be when you leave your employer and have your spouse covered on your current plan who is not 65?

• How much will Medicare premiums cost based on your income?

• Confused on whether you should choose a Medicare advantage plan or a Medicare supplement plan with drug coverage?

• Need advice on which Medicare insurance plan to choose based off of your specific individual needs, including costs for prescriptions and making sure your doctors and hospitals are covered?

• What Medicare covers when it comes to in home care, or long-term care, and what it doesn't, will you need additional coverage?

• Do you keep your 401k/403b with your employer or transfer it to an IRA?