Most financial advisors are vague about how they get paid. I'm not. Here's everything — who pays me, how much (when relevant), and why. You should always know this before working with any advisor.
My insurance planning services — Medicare Supplement and Long-Term Care — are always at no charge to you. Here's exactly why, with no vagueness.
I'm licensed to sell insurance and appointed with multiple carriers. When you enroll in a Medicare Supplement or LTC policy through me, the insurance carrier pays me a commission from the premium you pay. Your premium is identical whether you work with me or apply directly. The carrier has built the commission into the product. By working with me, you get a licensed specialist at no incremental cost to you.
Your Social Security analysis is also complimentary — included with every consultation because it's deeply connected to your Medicare and tax planning. No commission involved.
The important distinction: Insurance planning (Medicare, LTC) is carrier-compensated — always free to you. Comprehensive Retirement Income Planning and Wealth Management are professional services with transparent fees. Both categories are held to a fiduciary standard — I am always required to act in your best interest only.
Medicare Supplement or LTC Insurance through a carrier I'm appointed with
Built into the product premium — the same premium you'd pay applying directly
Your premium is identical. You get a licensed specialist. The carrier funds that service.
Comprehensive Retirement Income Planning and Wealth Management are fee-only paid services — always fully disclosed upfront
Insurance and Social Security planning is no charge. Comprehensive Retirement Income and Financial Planning, as well as Wealth Management, are always fee-only and always in your best interest.
Parts A, B & Supplement selection — plus complimentary Part D guidance (no commission on Part D)
Compensation: Commission paid by insurance carrier at enrollment
Claiming age optimization, spousal coordination, break-even analysis, and SS tax planning
Compensation: None — this is a complimentary service
Needs analysis, product comparison, Virginia cost data, and spouse protection strategies
Compensation: Commission paid by insurance carrier at enrollment
A comprehensive, personalized retirement analysis — delivered as a formatted report just for you
Offered free to clients who schedule a full consultation
Full retirement income plan covering all financial aspects — tax strategy, distribution planning, income sequencing, estate coordination