Protect your income, your health, and everything you've built.

We are a Nevada advisory team that helps individuals, retirees, and businesses protect income, health, and legacy through long-term care planning, Medicare guidance, and small group health coverage. Our approach is education-first, never sales pressure.

We work with pre-retirees and retirees planning for care and Medicare, and with Nevada business owners covering their teams. If you are weighing one of those decisions, we can help you see it clearly.

Yes. Your first call is a free 15-minute conversation: a clear look at where you stand and the smartest next move, with no pressure and no jargon.

We are based in Las Vegas and serve clients across Nevada. You can meet by phone, video, or in person.

The right insurance strategies can turn a future expense, like long-term care, into a predictable income stream that protects the savings you have built. We use rate-equivalent math, not fear, to show how the pieces fit.

Long-term care costs in Nevada vary widely by the type of care and the region. Recent figures range from roughly $20,800 per year for adult day care to about $73,000 to $85,000 per year for assisted living or in-home care, and $118,000 to over $153,000 per year for a private nursing home room, often above the national average. Las Vegas and Henderson tend to run lower than Reno and Carson City. The calculator on this page lets you adjust these assumptions to your own situation, and we will help you build a plan around the number.

Most families use a mix of long-term care or hybrid insurance, personal savings, and careful Medicaid planning. In Nevada, key levers include the Community Spouse Resource Allowance, a state Partnership policy for dollar-for-dollar asset protection, and planning around the 5-year Medicaid look-back. The earlier you plan, the more options you keep.

Medicare generally does not cover extended custodial long-term care. It is designed for short-term skilled care and recovery, not ongoing daily help with things like bathing, dressing, or eating. That gap is what a long-term care strategy is built to fill.

A hybrid plan combines long-term care benefits with life insurance or an annuity, so the money is not use it or lose it. If you never need care, the value can pass to your family as a death benefit.

Sometimes yes. Options vary by your health and the type of plan, and asset-based or annuity-based approaches can have different qualification rules than traditional coverage. It is worth a conversation before assuming you do not qualify.

Many people start in their 50s or early 60s, while coverage is typically easier to qualify for and more affordable. Planning earlier gives you more options, but it is worth reviewing at any age.

Most people first enroll during the seven-month window around their 65th birthday. There are also annual periods to change plans and special enrollment periods after certain life events. We will help you find the window that applies to you.

A Medicare Supplement (Medigap) works alongside Original Medicare to help cover out-of-pocket costs, while Medicare Advantage (Part C) bundles your coverage through a private plan, often with extra benefits. The right fit depends on your doctors, prescriptions, and budget.

No. Original Medicare does not cover most long-term care, and out-of-pocket costs can add up, which is why drug coverage, supplements, or Advantage plans matter. For 2026 there is a new $2,100 annual out-of-pocket cap on Part D prescription costs.

Most people pay no premium for Part A, but Part B, Part D, and any added coverage have premiums. Programs like Extra Help and Medicare Savings Programs may lower costs for those who qualify, and we screen for them at no charge.

Yes. There are annual enrollment periods each year, and certain situations qualify for special enrollment, when you can switch plans. Reviewing your coverage every year helps make sure it still fits.

Cost depends on your group size, the plan design you choose, and how the plan is funded. Group purchasing power often brings premiums down versus individual coverage, and qualifying small businesses may be eligible for tax credits. We will build a quote around your team.

Many group plans are available for businesses with as few as a handful of employees. Eligibility and plan options vary, so the best first step is a quick review of your headcount and goals.

Yes. You can change your broker of record at any time without changing your plan or coverage. It is a simple form, and we can review your current setup before you decide.

A level-funded plan blends features of fully insured and self-funded coverage: you pay a steady monthly amount, and if claims come in lower than expected, your business may receive a refund. It can give smaller employers more cost transparency.

Ideally 60 to 90 days before your renewal date, so there is time to compare options and avoid an automatic rate increase. The earlier we start, the more leverage you have.