Medicare, Social Security, and Long-Term Care Guidance

Most people understand the purpose of Medicare, Social Security, and long-term care insurance, but many need help choosing the right course of action regarding these benefits. The reality is that these decisions can be complex, both because of the unique needs of your family and the difficulty in navigating the labyrinth of related government regulations.

Our team can help you evaluate your options both as you prepare for retirement and after you have retired, to ensure you are making the decisions that will provide the best outcomes based on your specific needs, family situation, and other factors.


Medicare is a particularly complex area of financial planning, with many important choices that must be made in a relatively short period of time, right around age 65. Medicare has four parts (Part A, B, C, and D), which cover different areas of care. Due to the confusion that can surround these parts, this coverage is often referred to as the “Medicare maze.”

We partner with a Medicare consultant who can help you understand which parts of Medicare you should consider enrolling in, when to enroll to avoid penalties, and many other considerations that should be addressed regarding your coverage.

Social Security

When it comes to Social Security in particular, you only have one chance to get your decision right. One of the biggest questions surrounding Social Security is when to start taking payments. The longer you delay, the larger your annual payments become. As part of your financial plan, our team will help you understand when to start taking Social Security payments and how these payments can support your overall financial health

Long-Term Care Insurance

Whether or not you need to purchase long-term care insurance depends largely on your personal wishes and financial situation. With the help of our long-term care consultant, we can walk you through the process of planning for long-term care and help you determine whether this type of insurance is right for you.

Retirement should be a time of celebration for your years of hard work, not a period of stress caused by uncertainty around the decisions that come with preparing to retire. Let our team help guide you through these choices so you can focus on enjoying your hard-earned retirement.

Request a Custom Financial Consultation

Discuss your financial situation with an advisor who understands your unique needs, goals, and circumstances. Get answers to questions such as:

  • When would you like to retire?
  • How much do you need to save?
  • Do you know how to maximize your airline benefits?
  • What are your short-term and long-term financial goals?

You’ll also get a better understanding of your probability of successfully achieving your goals at your current savings rate. Having clarity about your financial picture today can provide significant peace of mind for the future.

Request a Consultation