Independent Medicare Advisors in Nevada, Oregon and Washington

About Us

We have watched market cycles unfold for a quarter century which makes us uniquely equipped to provide the behavioral guardrails and risk adjustments to keep you on track when markets get volatile. By serving as an objective anchor, we help you filter out the temporary market noise, and maintain the structural consistency that your long term plan demands.

Saving and investing are the foundation for any financial journey. Many firms hiper-focus on the accumulation phase (saving money), at the expense of the distribution or decumulation phase (withdrawing your money efficiently). Navigating the rules and structural framework of Medicare and Social Security is so much more than just flipping a switch at a certain age.

Key Issues for Medicare

•Medicare Initial Enrollment Period

•Can I delay Medicare safely without triggering late penalties.

•IRMAA Medicare Part B Premium Surcharge

•Dual Eligibility

•Chronic Special Needs

•Low Income Subsidy

•Veteran's Benefits

Key Issues For Social Security

•Taxation of Benefits

•Earnings Test Limits

•Combined Income Formula

•Spousal and Survivor Benefits

•Divorced Spouse Rules

•Early Claiming Deductions

•Stealth Tax

•Overpayments of Social Security Benefits

•Dependent and Child Benefits

•Legislation and Regulations

Our goal is to educate and equip you with the tools you need to confidently achieve your goals and remove the intimidation factor from retirement planning, while maintaining flexibility to adapt to changing economic times, income needs, and legacy goals. We are uniquely positioned to tailor our services to fit your needs. Powers Financial and Insurance Group gives our clients the confidence to lead the life they dream and leave the legacy they desire.

While our comprehensive asset management and Medicare services are licensed in Washington, Oregon, California, Nevada, and Arizona, we proudly offer our specialized Social Security maximization consulting to beneficiaries throughout the United States.

Do you need help enrolling, want a free quote, or have a question?

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_{We do not offer every plan in your area. Currently, we represent 15 organizations which offer 300 products. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance}

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