Frequently Asked Questions

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The RICP® (Retirement Income Certified Professional®) designation signifies that a financial advisor has the depth of knowledge to deliver effective retirement income planning services to help individuals, like you, transition into retirement smoothly. RICP® advisors apply their specialized knowledge to develop strategies that encompasses Social Security optimization, tax-efficient approaches, longevity risk management, retirement income diversification and comprehensive financial planning. 

A National Social Security Advisor (NSSA®) is a financial professional certified to provide specialized guidance on Social Security benefits. Through comprehensive training, NSSA® designees help individuals and couples navigate the complexities of Social Security, aiming to maximize their lifetime benefits and integrate them effectively into broader retirement plans. This expertise is particularly valuable for those approaching retirement, facing unique life circumstances, or seeking to optimize their Social Security strategies.

The IRMAA Certified Planner (IRMAACP™) designation is a professional certification for financial advisors focusing on managing Medicare's Income-Related Monthly Adjustment Amount (IRMAA). It equips professionals with expertise to help high-income retirees navigate, minimize, or appeal Medicare surcharges. The certification is recognized by FINRA.

Certification for Long-Term Care (CLTC®) educates professionals in the fields of insurance, financial services, law and accounting about the severe consequences a need for care over an extended period of years would have, not on their client, but on the emotional, physical and financial well-being of those the client loves. The goal is to give these professionals the proper skill set to discuss those consequences, offer a plan to mitigate them, and, when appropriate, recommend long-term care insurance as a funding source for that plan.

Certified Medicare Insurance Planner (CMIP®) is our premier, coveted, professional designation available to active, licensed health agents in good standing, pass our credentialing process, have at least 7 years of experience as an active, licensed health agent, and can show 7 years of passing AHIP or Carrier MA/PDP annual certification while maintaining high ethical standards.

Our team offers a range of services including Retirement Income Planning, Medicare/IRMAA Planning, Social Secuirty Planning/Optimization, Business Succession Planning, Legacy Planning, and Ancillary Benefit Planning.

Our team is based in Florida; however, we are licensed and appointed in the majority of US States. 

The amount of time depends on how simple or complex your situation is and which of our services you need. 

• Medicare Planning generally requires 2 meetings.
• Business Succession planning generally requires 4 meetings.
• Social Security Planning generally requires 2-3 meetings.
• Income Planning generally requires 3-4 meetings.

Regardless of the number of meetings, we are available for service throughout the year and available for annual reviews.

The carriers that we represent pay a commission; however, that does not influence what carriers we may recommend. All recommendations are based on your best interest and needs regardless if you decide to use our services or not. We purposefully do not own stock in any of the companies we represent to also remain objective. 

We offer both Medigap & Advantage Plans to help people find the correct Medicare coverage based on their specific needs. With that being said, we would generally recommend keeping Original Medicare & buying a Medigap Plan if you can afford too. A high deductible Supplement can be a great way to balance premiums with coverage.