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Medicare OptionsRetirement Income

Income for Life

Creating a Trust

Why I Talk About Trusts (Even Though I’m Not an Attorney)

Let me be upfront: I’m not an attorney, and I don’t get paid to draft trusts. But after helping hundreds of people navigate Medicare, retirement income, and Social Security planning, I’ve come to believe that most people should have a trust in place—plain and simple.

Why? Because I’ve seen what happens when someone passes without one: family confusion, unnecessary court delays, and assets tied up in probate that could’ve easily been avoided. A simple trust can provide privacy, control, and peace of mind—not just for you, but for the people you care about most.

Even though I don’t earn a dime by helping you set one up, I still bring it up—because that’s the kind of advisor I strive to be. I want to help in every way that truly matters, not just the parts I get paid for. The same goes for Social Security—I guide clients through that process because I know how much it can impact your long-term financial security.

And honestly, I believe in something simple: what goes around, comes around. If I can help bring clarity, confidence, and useful insights to your life, maybe you’ll see the value in working with me when it comes to other areas—like tax-efficient income strategies, asset protection, and making your retirement enjoyable.

If you’re ready to take a smart step forward, let’s talk about whether a trust makes sense for your situation. We can meet in person or virtually to go over your goals and concerns. Since I’m not an attorney, I won’t be pushing anything—but if we agree that a trust could benefit your family, I’ll help get the process started with a trusted legal partner.

Click here to schedule a free 15-minute call

More Info

Nevada is considered one of the best states for Trusts (Even If You Don’t Live in Nevada)

You don’t need to live in Nevada to take advantage of its trust laws—and that’s a game changer for families across the country.

Nevada is widely regarded as one of the most trust-friendly states in the country for several reasons:

What Makes Nevada Trusts Stand Out?

  • No state income tax on trust assets
  • Strong asset protection—even from future creditors or lawsuits
  • No requirement for court supervision
  • Ability to create long-term (dynasty) trusts that last up to 365 years
  • Decades of case law supporting trust flexibility and privacy
  • Total digitization of trust documents and processes

Even if you live in Connecticut or any other state, you can set up a Nevada Trust remotely. This allows you to benefit from stronger privacy and protection laws than what may be available locally.


Working with a Law firm that specializes in Trusts

To streamline and simplify the trust process, I work with a Law firm that specializes in creating Trusts.

They’ve created a digitally optimized platform for creating and maintaining trusts—eliminating the need for paper binders or lawyer’s offices full of dusty files.

  • Your trust is fully digital, with secure access for you and your trusted family members
  • Updates and changes can be requested easily as life evolves
  • You’ll have a team of licensed attorneys handling the legal drafting and compliance
  • I help coordinate the process and guide you from start to finish

This system helps ensure your trust is organized, accessible, and up-to-date—without the confusion or hassle most people expect.


How I Fit Into the Process

I’m not an attorney, and I don’t get paid to draft Trusts. But I do believe a Trust is one of the most important tools you can have to:

    • Avoid probate
    • Protect your privacy
    • Provide for your loved ones
    • Avoid unnecessary court delays or family disputes

I help guide you through the Trust process and if everything makes sense I will put you in touch with the team that will create and help you fund a Trust.


Ready to Learn More?

Let’s meet for 15 minutes—virtually or in person—and review whether a Trust makes sense for your goals. If it does, we’ll start the process together. If not, no pressure.

Click here to schedule a free 15-minute call

Or call me at 203-878-4598

Helping you protect your legacy is just one more way I work to Make Retirement Enjoyable.

Attend and Event

Do you Need a Trust?
Jun 3, 2025, 6:30 – 7:30 PM (America/New_York)

Please join my meeting from your computer, tablet or smartphone.
https://meet.goto.com/438935421

You can also dial in using your phone.
Access Code:
438-935-421
United States:
+1 (872) 240-3212

Get the app now and be ready when your first meeting starts:
https://meet.goto.com/install

Thinking you need to create a Trust and just keeping pushing it off – this is a great webinar to attend to explore the reasons to have a Trust and how it can benefit you. If you have an immediate concern, call us at 203-878-4598.

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MEDICARE ADVANTAGE PLANS

Medicare Advantage Plans, also known as Medicare Part C, are comprehensive healthcare options offered by private insurance companies to individuals who are eligible for Medicare. These plans provide an alternative to the traditional fee-for-service Medicare program by bundling together Medicare Part A (hospital insurance) and Part B (medical insurance) benefits.

Medicare Advantage Plans often offer additional benefits beyond what is provided by original Medicare, such as prescription drug coverage, vision and dental care, wellness programs, and hearing aids. These plans operate within a network of healthcare providers and may have different cost-sharing structures, including copayments and deductibles. Medicare Advantage Plans offer individuals a way to receive their Medicare benefits through private insurance companies, providing them with a wider range of options and potentially more comprehensive coverage.

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MEDICARE SUPPLEMENT PLANS

Medicare Supplements, also known as Medigap plans, are private health insurance policies designed to supplement Original Medicare coverage. These plans help fill the gaps in Medicare, such as deductibles, copayments, and coinsurance, which can result in out-of-pocket expenses for beneficiaries. Medicare Supplements are sold by private insurance companies and are standardized, meaning that each plan offers the same basic benefits across different insurers.

There are several Medigap plans available, labeled with letters from A to N, each providing different levels of coverage. These plans offer individuals the flexibility to choose the coverage that best suits their needs and budget. While Medicare Supplements do not cover services like long-term care, dental, or vision care, they can provide valuable financial protection and peace of mind for Medicare beneficiaries by reducing their healthcare costs.

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PART D PLANS

Part D plans, also known as Medicare Prescription Drug plans, are an essential component of the Medicare program in the United States. These plans are designed to provide coverage for prescription drugs, helping to alleviate the financial burden associated with medication costs for eligible individuals.

Part D plans are offered by private insurance companies approved by Medicare and are available to individuals who are enrolled in Original Medicare (Part A and Part B) or Medicare Advantage (Part C) plans. They offer a wide range of prescription drug coverage options, allowing beneficiaries to choose a plan that best suits their specific medication needs.

Part D plans typically have a formulary, which is a list of covered drugs, and beneficiaries pay a monthly premium, deductible, and copayments or coinsurance for their prescription medications. These plans play a crucial role in ensuring that Medicare beneficiaries have access to the medications they need to manage their health conditions and improve their overall quality of life.

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DENTAL INSURANCE

Dental plans for seniors play a vital role in ensuring the oral health and well-being of this age group. As individuals age, they become more susceptible to dental issues and may require specialized care and treatment.

Dental plans tailored for seniors provide comprehensive coverage for a range of services, including preventive care, such as regular check-ups, cleanings, and X-rays, as well as restorative procedures like fillings, crowns, and dentures. These plans often include coverage for periodontal treatments, which are essential for managing gum diseases that become more common with age.

Additionally, some dental plans for seniors offer coverage for oral surgeries, dental implants, and other advanced procedures. With the rising costs of dental care, these plans provide seniors with financial peace of mind, enabling them to access the necessary treatments without the burden of exorbitant expenses. Ultimately, dental plans for seniors contribute to improved oral health, overall well-being, and a better quality of life in the golden years.

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Congratulations on reaching this milestone of turning 65 or becoming eligible for Medicare! It's an important transition in your life, and we're here to help you navigate through the process and make it as smooth as possible.

Medicare can be a bit overwhelming with its complexities and annual plan changes but worry not! As an experienced agent, I can assist you at no cost and provide valuable guidance throughout the journey.

You likely have numerous questions and it's natural to seek answers from someone who can simplify the process for you. That's where we come in – we're here to address all your concerns and make the Medicare enrollment process easy for you.

Here are some common questions you may have:

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    Rest assured, we have the answers to these questions and more. Our goal is to provide you with a seamless experience and ensure you have a clear understanding of your Medicare options.

    Contact us today, and let's make your transition to Medicare a stress-free and well-informed one. Our team is ready to assist you every step of the way.

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      Don't worry if you're feeling confused or overwhelmed by Medicare. We encounter individuals in similar situations every day, and we're here to provide assistance. Let us help you explore your options and find the Medicare plan that best fits your unique needs. Contact us today, and we'll guide you through the process with expertise and clarity.

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              Congratulations on taking the first step towards preparing for your student's college financial plan. It's a wise decision to start early, as it allows for better planning and preparation. We understand that you may have concerns, and we're here to help. Please let us know which of the following concerns resonate with you:

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                It feels like just yesterday when you brought them home for the first time, and now we're already discussing college. What concerns do you have?

                  • Insufficient savings for college: If you have very little saved for college, it's important to explore options for funding your child's education. We can discuss strategies to maximize your savings and explore financial aid opportunities.

                  • How much to save for college: Determining how much to save for college depends on various factors such as the cost of tuition, room and board, and other expenses. We can help you calculate an estimate based on your goals and resources.

                  • Choosing the right account for college savings: There are several options to consider, such as 529 plans, Coverdell Education Savings Accounts, or custodial accounts. We can review the benefits and limitations of each account type to find the best fit for your needs

                  • Balancing college savings with retirement funding: It's crucial to strike a balance between saving for college and saving for retirement. We can provide guidance on how to manage both goals simultaneously, ensuring you're not sacrificing your retirement funds.

                  • Funding for college when your student doesn't want to attend: If your child is hesitant about attending college, we can explore alternative paths such as vocational training, internships, or entrepreneurship. We'll work together to find the best fit for their interests and aspirations.

                  • Ensuring your student can attend their desired college: Regardless of what happens to you, we can help you explore options such as scholarships, grants, and student loans to ensure that your child can pursue their education at the college of their choice.

                  • Consideration for other children's needs: We understand you may have other children who also have important financial needs. During our consultation, we can discuss strategies to ensure that all of your children receive the necessary support for their education.

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                  How are you going to Pay for College? What do I do next? Sure you have many concerns such as:

                    Considering you may have other children who may also want to attend college, it's wise to develop a comprehensive plan that takes all their educational needs into account. We can assist you in creating a customized approach that considers the unique circumstances of each child.

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