Helping families and individuals navigate decisions.
Free, no obligation, and no pitch. We’ll identify what matters now — and what can wait.
Almost every one of these decisions has a window.
See what needs attentionYou're probably here because of one of these
You're coming up on 65
Medicare enrollment opens three months before your birthday, and some of these windows only open once.
Your coverage is changing
A job ending, a plan renewing, an employer switching carriers — something has a date on it and you'd rather not guess.
Someone depends on you
You've been meaning to sort out life insurance, or to check that the policy you already have still does what you think it does.
If none of those quite fit, that's fine too — tell me what's going on and I'll tell you what I'd look at first.
What I help with
Medicare
What the parts actually are, when your window opens, and what happens if you miss it.
Start here →Health Insurance
Coverage before 65 — marketplace plans, employer options, and dental and vision.
Start here →Life Insurance
Term, permanent, and final expense explained without the sales pitch.
Start here →
What else comes up
Long-term care
The largest expense Medicare doesn't cover, and the one where your options narrow with your health.
The short version →Guaranteed income
Annuities and what they do and don't solve. Frequently the answer is that you don't need one.
The short version →Social Security timing
How claiming interacts with Medicare enrollment, premiums, and an HSA if you have one.
The short version →Risk and tax coordination
Where a coverage decision has a tax consequence, I'll flag it and work with your tax professional rather than guess.
Ask me about this →
How the pieces connect
Healthcare Planning
What will my coverage cost, and what happens at 65?
Healthcare is the expense most likely to catch you out, and the one with the hardest deadlines attached. It's where almost every conversation starts.
- Medicare Planning
- Short-Term Care and Critical Illness
- Individual Healthcare Solutions
Wasatch Front · Utah · Idaho
There is no single solution that's right for everyone. There's one that's right for you.
What fits depends on your doctors, your prescriptions, and where you live — and it changes from one county to the next. I'll tell you what's actually available where you are, and what it means for the choice in front of you.
Why people call me instead
Independent
Not employed by an insurance company, so I'm not steering you toward whatever a single carrier happens to sell.
Made simple
I explain how something works before I explain what it costs, and I keep the number of decisions in front of you as small as it honestly can be.
However suits you
In person, over Zoom, or on the phone — we'll work out which is most helpful for you.
Not sure what you need yet?
That's the normal starting point, and it's the best reason to talk. One conversation is usually enough to know whether anything needs doing at all.
801.867.0041