Work with Matt

A deep review of your specific medication list against every available Part D plan in your area. I run the numbers the way a financial analyst would: total annual cost including premiums, deductibles, copays, and the new $2,000 out-of-pocket cap.

• Full cost comparison across all available plans
• Formulary tier analysis for each medication
• Pharmacy network check (retail, mail-order, preferred)
• Written recommendation with reasoning

Turning 65, leaving a Medicare Advantage plan, or moving to a new state? I'll compare Medigap plans from every carrier available in your area and walk you through the trade-offs: Plan G vs. Plan N, rate stability, underwriting differences, and carrier financial strength.

• Side-by-side carrier comparison for your zip code
• Rate history and stability analysis
• Enrollment timing guidance (guaranteed issue, open enrollment, underwriting)
• Help with the application if you decide to move forward

For situations that don't fit neatly into one category. IRMAA surcharges eating into your retirement income. Late enrollment penalties you're not sure how to resolve. Coordination of benefits between employer coverage and Medicare. If your question starts with "my situation is a little complicated," this is the right service.

• One-on-one consultation focused on your specific situation
• Review of your current coverage and costs
• Clear action steps with deadlines and enrollment windows
• Follow-up email summarizing the plan

Medicare does not cover long-term custodial care. Not assisted living, not nursing homes, not in-home aides for daily activities. This is one of the biggest gaps in retirement planning, and most people don't discover it until they need it. I hold the CLTC (Certification in Long-Term Care) designation and can help you evaluate your actual risk and coverage options.

• Assessment of your long-term care risk factors
• Review of coverage options: traditional LTC, hybrid policies, self-funding
• Cost comparison across available products in your state
• Integration with your overall retirement and Medicare plan

The life insurance you bought at 40 might not make sense at 70. Term policies expire. Whole life policies may be underperforming. Some people are paying premiums on coverage they no longer need, while others have gaps they don't realize exist. I hold the CRPC (Chartered Retirement Planning Counselor) designation and can review whether your current coverage is still structured efficiently for retirement.

• Review of existing life insurance policies and their current value
• Analysis of whether your coverage matches your actual needs
• Options if your current coverage no longer fits (keep, reduce, replace, settle)
• Integration with your Medicare and long-term care strategy