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Preserve wealth.

You’ve worked hard to build up your nest egg in a bank account, 401k, or other investment. Wherever your money is saved, it’s important to hold on to as much of it as you can.

Unfortunately, many have seen their life savings dwindle due to Medicaid spend down and medical expenses or excessive taxation and penalties from the IRS. In many cases, this could have been avoided by planning ahead.

We strongly believe that taking the time to be proactive, not reactive, about your money and benefits will prove to add much value to your life.  We can make such a difference by thinking ahead and preparing the best way we can for any situation the economy may throw at us.

Medicare Advantage Plans

If you are 65 or older, you probably realize you are eligible for Medicare. But you may not realize there are other ways to get it than just through the traditional “Original Medicare.”

Medicare Advantage plans, or “Part C,” offer one-stop shopping for your health care needs. They cover everything offered under Medicare, but also typically offer extra coverage, such as prescription drug plans. In fact, a Medicare Advantage plan could combine your health care services (including hospital and medical insurance) and prescription drug coverage for a $0 premium (as long as you continue to pay your Part B premium). Medicare Advantage plans can also cover the cost of hearing aids, routine physicals, mammograms and colonoscopies, dental and vision care – even gym memberships!

Call Collier Financial today to see what Medicare Advantage plan works best for you. And if you’re nearing age 65, make sure to call us soon – you need to sign up for Medicare three months before you turn 65, whether you plan to start receiving retirement benefits or not!

Nursing Home & Convalescent Care

As we and our loved ones age, there are times when a change is needed to help address certain needs.

At times, this is a complete change of environment, into a nursing home. For others, it could mean help from a healthcare professional in the home. Either way, there is no getting around the fact nursing home and convalescent care is expensive and always seems to go up.

This is an area where it really pays to talk to someone who can give you good advice. There are ways to plan for expected – or even unexpected – needs. And if you or your loved one are already using this type of care, there may be opportunities to still save with strategies we can lay out for you.

Health Insurance

Health insurance has been on the minds of a lot of people lately as a result of the Affordable Care Act. No matter what your feelings are on the law, there is no doubt it’s complicated.

At Collier Financial, we can answer a lot of questions, navigate you through the paperwork, and get you signed up for health care needs. If you choose to sign up with a government plan, we’ll look at your options for possible subsidies. And if you should decide to go with a non-government sponsored plan, we’ll help where we can to make sure it at least fits the requirements under the ACA.

Health insurance may be confusing. But we are here to assist you as much as possible.