Author: Administrator

  • Retirement Income Planning in Your 60s

    Planning for retirement income in your 60s requires specific strategies and careful consideration of your unique circumstances. This critical decade sets the foundation for your financial security throughout retirement, making it essential to optimize your approach.

    The Importance of Your 60s in Retirement Planning

    Your 60s represent a crucial transition period in retirement planning. You’re likely at or near your peak earning years, but retirement is no longer a distant concept. This decade offers your last major opportunity to maximize retirement savings and fine-tune your income strategy.

    Key Milestones in Your 60s

    • Age 62: Earliest eligibility for Social Security benefits
    • Age 65: Medicare eligibility begins
    • Age 66-67: Full retirement age for Social Security (depending on birth year)
    • Age 70: Maximum Social Security benefits if you delay claiming

    Maximizing Social Security Benefits

    Understanding Your Full Retirement Age

    Your full retirement age (FRA) depends on your birth year:

    • Born 1943-1954: FRA is 66
    • Born 1955-1959: FRA gradually increases from 66 and 2 months to 66 and 10 months
    • Born 1960 or later: FRA is 67

    The Impact of Claiming Strategies

    When you claim Social Security significantly affects your lifetime benefits:

    Claiming at 62 (Early Retirement)

    • Benefits reduced by 25-30% permanently
    • Earnings test applies if you continue working
    • May be appropriate if you have health concerns or immediate financial needs

    Claiming at Full Retirement Age

    • Receive 100% of your primary insurance amount
    • No earnings test restrictions
    • Good option for many retirees

    Delaying Until Age 70

    • Delayed retirement credits increase benefits by 8% per year
    • Maximum benefit increase of 24-32% over FRA amount
    • Ideal if you’re healthy and have other income sources

    Spousal Claiming Strategies

    Married couples have additional options to maximize household Social Security income:

    • Spousal benefits up to 50% of higher earner’s benefit
    • Survivor benefits planning
    • Coordinated claiming strategies

    Retirement Account Distribution Planning

    401(k) and 403(b) Considerations

    Your employer-sponsored retirement accounts require careful planning in your 60s:

    Age 59½ Rule

    After age 59½, you can withdraw from retirement accounts without the 10% early withdrawal penalty, providing more flexibility.

    Required Minimum Distributions (RMDs)

    Starting at age 73, you must begin taking RMDs from traditional retirement accounts. Planning for these distributions is crucial.

    IRA Distribution Strategies

    Individual Retirement Accounts offer various distribution options:

    • Traditional IRA withdrawals are taxed as ordinary income
    • Roth IRA withdrawals are tax-free after age 59½
    • Consider Roth conversions to manage future tax liability

    Creating a Retirement Income Plan

    The Three-Bucket Approach

    Organize your retirement assets into three categories:

    Bucket 1: Immediate Needs (Years 1-5)

    • Cash and cash equivalents
    • Short-term CDs
    • Conservative bond funds
    • Immediate annuities

    Bucket 2: Medium-Term Growth (Years 6-15)

    • Balanced mutual funds
    • Dividend-paying stocks
    • Real estate investment trusts (REITs)
    • Fixed annuities

    Bucket 3: Long-Term Growth (Years 16+)

    • Growth stocks and stock funds
    • International investments
    • Variable annuities
    • Alternative investments

    The 4% Rule and Modern Alternatives

    The traditional 4% withdrawal rule suggests withdrawing 4% of your portfolio in the first year of retirement, then adjusting for inflation. However, modern approaches consider:

    • Dynamic withdrawal strategies
    • Market valuation adjustments
    • Flexible spending approaches
    • Guardrails strategies

    Healthcare and Long-Term Care Planning

    Medicare Planning

    Understanding Medicare is crucial for managing healthcare costs in retirement:

    • Medicare Part A (Hospital Insurance)
    • Medicare Part B (Medical Insurance)
    • Medicare Part C (Medicare Advantage)
    • Medicare Part D (Prescription Drug Coverage)
    • Medigap supplemental insurance

    Long-Term Care Considerations

    Plan for potential long-term care needs:

    • Long-term care insurance options
    • Hybrid life insurance/LTC policies
    • Self-insurance strategies
    • Family care planning

    Tax-Efficient Retirement Strategies

    Roth IRA Conversions

    Your 60s may offer optimal opportunities for Roth conversions:

    • Lower income years before Social Security
    • Managing future RMD requirements
    • Creating tax-free income for heirs
    • Reducing Medicare premium surcharges

    Tax Location Strategies

    Optimize which accounts to withdraw from first:

    • Taxable accounts for flexibility
    • Tax-deferred accounts for required distributions
    • Tax-free accounts for legacy planning

    Catch-Up Contributions

    If you’re behind on retirement savings, take advantage of catch-up contributions:

    401(k) Catch-Up Contributions

    • Additional $7,500 for those 50 and older (2025 limits)
    • Total contribution limit of $30,500
    • Employer match still applies

    IRA Catch-Up Contributions

    • Additional $1,000 for those 50 and older
    • Total contribution limit of $8,000
    • Income limits may apply

    Estate Planning in Your 60s

    Beneficiary Designations

    Review and update beneficiary designations on all accounts:

    • Retirement accounts
    • Life insurance policies
    • Bank and investment accounts
    • Employee benefits

    Estate Planning Documents

    Ensure your estate planning documents are current:

    • Will and testament
    • Durable power of attorney
    • Healthcare directives
    • Trust documents if applicable

    Common Mistakes to Avoid

    1. Claiming Social Security Too Early

    Without careful analysis, claiming at 62 can significantly reduce lifetime benefits.

    2. Not Planning for Healthcare Costs

    Healthcare expenses often increase in retirement and require specific planning.

    3. Ignoring Tax Implications

    Failing to consider the tax impact of retirement distributions can be costly.

    4. Being Too Conservative

    With potentially 20-30 years in retirement, some growth investments remain important.

    Working with Professionals

    Retirement income planning in your 60s often benefits from professional guidance:

    • Financial advisors for comprehensive planning
    • Tax professionals for optimization strategies
    • Estate planning attorneys for legal documents
    • Insurance specialists for risk management

    How Alliance Retirement Services Can Help

    Our team specializes in helping individuals in their 60s create comprehensive retirement income strategies. We can help you:

    • Analyze your Social Security claiming options
    • Develop tax-efficient distribution strategies
    • Plan for healthcare and long-term care costs
    • Optimize your investment allocation
    • Coordinate all aspects of your retirement plan

    Take Action Now

    Your 60s are a critical time for retirement planning. The decisions you make now will impact your financial security for decades to come.

    Ready to optimize your retirement income strategy? Contact Alliance Retirement Services at (832) 772-2244 or schedule a consultation today. Let us help you make the most of this important decade and secure your financial future.

  • Estate Tax Planning Strategies for Katy and Houston

    Smart estate planning can save your family thousands in taxes and ensure your legacy is preserved for future generations. For residents of Katy and Houston, understanding Texas-specific estate planning strategies is crucial for maximizing wealth transfer and minimizing tax burdens.

    Understanding Estate Taxes

    Federal Estate Tax

    For 2025, the federal estate tax exemption is $13.61 million per individual ($27.22 million for married couples). Estates exceeding these amounts are subject to federal estate tax rates up to 40%.

    Texas Estate Tax Advantage

    Texas does not impose a state estate tax, which provides a significant advantage over many other states. This means your beneficiaries won’t face additional state-level estate taxes on inherited assets.

    Key Estate Planning Strategies

    1. Revocable Living Trusts

    A revocable living trust allows you to maintain control of your assets during your lifetime while providing several benefits:

    • Avoids probate court proceedings
    • Maintains privacy of your estate
    • Provides for incapacity planning
    • Allows for seamless asset management

    2. Irrevocable Life Insurance Trusts (ILITs)

    ILITs can remove life insurance proceeds from your taxable estate while providing liquidity for estate taxes and expenses:

    • Removes life insurance from taxable estate
    • Provides tax-free income to beneficiaries
    • Protects assets from creditors
    • Allows for generation-skipping strategies

    3. Charitable Remainder Trusts (CRTs)

    CRTs provide income during your lifetime while ultimately benefiting charity:

    • Immediate income tax deduction
    • Avoids capital gains on appreciated assets
    • Provides lifetime income stream
    • Reduces estate taxes

    4. Grantor Retained Annuity Trusts (GRATs)

    GRATs are effective for transferring appreciating assets to heirs with minimal gift tax consequences:

    • Transfers future appreciation to beneficiaries
    • Minimal gift tax impact
    • Ideal for volatile or high-growth assets
    • Retains income stream for grantor

    Tax-Efficient Wealth Transfer Strategies

    Annual Gift Tax Exclusion

    For 2025, you can gift up to $18,000 per recipient ($36,000 for married couples) without using your lifetime exemption or paying gift taxes.

    529 Education Plans

    Texas offers excellent 529 plans that provide tax-advantaged education savings:

    • Tax-free growth and withdrawals for qualified expenses
    • High contribution limits
    • Can benefit multiple generations
    • Some plans offer state tax deductions

    Family Limited Partnerships (FLPs)

    FLPs can provide valuation discounts while maintaining family control:

    • Valuation discounts for gift and estate tax purposes
    • Centralized management of family assets
    • Income distribution flexibility
    • Protection from creditors

    Business Succession Planning

    Texas has a thriving business environment, making business succession planning crucial for many families:

    Buy-Sell Agreements

    Properly structured buy-sell agreements can:

    • Establish business valuation methods
    • Provide liquidity for departing owners
    • Ensure business continuity
    • Create estate tax benefits

    Employee Stock Ownership Plans (ESOPs)

    ESOPs can provide tax advantages while rewarding employees:

    • Defer capital gains taxes
    • Provide employee incentives
    • Maintain business legacy
    • Generate ongoing income

    Retirement Account Planning

    Roth IRA Conversions

    Strategic Roth conversions can reduce future tax burdens:

    • Tax-free growth for beneficiaries
    • No required minimum distributions during lifetime
    • Reduces future estate tax burden
    • Provides tax diversification

    Stretch Provisions

    Understanding the SECURE Act’s impact on inherited retirement accounts:

    • 10-year distribution rule for most beneficiaries
    • Exceptions for surviving spouses and minor children
    • Planning strategies for maximizing stretch benefits
    • Trust considerations for retirement account beneficiaries

    Houston and Katy Specific Considerations

    Real Estate Planning

    The Houston area’s strong real estate market requires special consideration:

    • Qualified Personal Residence Trusts (QPRTs) for valuable homes
    • Conservation easements for large properties
    • Like-kind exchanges for investment properties
    • Homestead exemption benefits

    Oil and Gas Interests

    Many Texas families own mineral rights or oil and gas interests:

    • Valuation challenges for estate tax purposes
    • Depletion allowances and tax benefits
    • Family limited partnerships for mineral interests
    • Generation-skipping strategies

    Advanced Planning Techniques

    Dynasty Trusts

    Texas allows perpetual trusts, making dynasty planning attractive:

    • Avoids generation-skipping transfer tax
    • Provides asset protection benefits
    • Maintains family wealth for multiple generations
    • Flexible distribution provisions

    Private Placement Life Insurance (PPLI)

    PPLI can provide tax-efficient wealth transfer for high-net-worth families:

    • Tax-free growth and distributions
    • Investment flexibility
    • Estate tax benefits
    • Creditor protection features

    Common Estate Planning Mistakes

    1. Procrastination

    Delaying estate planning can result in missed opportunities and higher taxes.

    2. Outdated Documents

    Failing to update estate planning documents after major life changes.

    3. Inadequate Liquidity Planning

    Not providing enough liquid assets to pay estate taxes and expenses.

    4. Ignoring State Law Changes

    Not staying current with changing federal and state tax laws.

    The Planning Process

    1. Goal Setting

    Identify your objectives for wealth transfer and tax minimization.

    2. Asset Inventory

    Catalog all assets and their current values.

    3. Strategy Development

    Create a comprehensive plan using appropriate strategies.

    4. Implementation

    Execute the plan with proper legal documentation.

    5. Ongoing Review

    Regularly review and update the plan as circumstances change.

    How Alliance Retirement Services Can Help

    Estate planning requires expertise in tax law, financial planning, and family dynamics. Our team can help you:

    • Develop comprehensive estate planning strategies
    • Coordinate with attorneys and CPAs
    • Implement tax-efficient wealth transfer techniques
    • Review and update plans as laws change
    • Provide ongoing support and guidance

    Start Planning Today

    Effective estate planning takes time and careful consideration. The sooner you start, the more options you’ll have to minimize taxes and maximize your legacy.

    Ready to protect your family’s wealth? Contact Alliance Retirement Services at (832) 772-2244 or schedule a consultation today. Let us help you develop strategies that will benefit your family for generations to come.

  • Life Insurance Options for Texas Families

    Life insurance is one of the most important financial decisions you can make for your family’s security. For Texas families, understanding your options and choosing the right coverage can provide peace of mind and financial protection when it’s needed most.

    Why Life Insurance Matters for Texas Families

    Texas families face unique financial challenges and opportunities. From the state’s growing economy to the lack of state income tax, there are specific considerations that make life insurance planning crucial for Lone Star State residents.

    Financial Protection

    Life insurance provides financial security for your loved ones by replacing lost income, paying off debts, and covering final expenses. This protection is especially important in Texas, where many families rely on dual incomes to maintain their lifestyle.

    Estate Planning Benefits

    While Texas doesn’t have a state estate tax, federal estate taxes may still apply to larger estates. Life insurance can provide liquidity to pay these taxes and ensure your family keeps more of your legacy.

    Types of Life Insurance Available

    Term Life Insurance

    Term life insurance provides coverage for a specific period (typically 10, 20, or 30 years) and is the most affordable option for young families.

    Benefits of Term Life:

    • Lower initial premiums
    • Simple and straightforward coverage
    • Ideal for temporary needs (mortgage, children’s education)
    • Can often be converted to permanent coverage

    Best For:

    • Young families with limited budgets
    • Parents with dependent children
    • Homeowners with mortgages
    • Business owners with temporary obligations

    Whole Life Insurance

    Whole life insurance provides permanent coverage with guaranteed premiums, death benefits, and cash value accumulation.

    Benefits of Whole Life:

    • Guaranteed death benefit
    • Fixed premiums that never increase
    • Cash value growth
    • Potential dividends (with participating policies)

    Best For:

    • Those seeking permanent coverage
    • Conservative investors
    • Estate planning purposes
    • Those who want predictable costs

    Universal Life Insurance

    Universal life insurance offers flexible premiums and death benefits with investment options for cash value growth.

    Benefits of Universal Life:

    • Flexible premium payments
    • Adjustable death benefits
    • Investment options for cash value
    • Potential for higher returns

    Best For:

    • Those who want flexibility
    • People with variable incomes
    • Those comfortable with investment risk
    • Long-term financial planning

    How Much Life Insurance Do You Need?

    Determining the right amount of life insurance depends on several factors specific to your family’s situation:

    Income Replacement

    A common rule of thumb is to have 10-12 times your annual income in life insurance coverage. However, this may need adjustment based on your family’s specific needs.

    Debt Obligations

    Consider your mortgage, car loans, credit card debt, and other financial obligations that would burden your family.

    Future Expenses

    Factor in costs like children’s education, which can be significant in Texas with excellent universities like UT, A&M, and Rice.

    Final Expenses

    Funeral and burial costs can range from $7,000 to $15,000 or more, depending on your preferences.

    Texas-Specific Considerations

    No State Income Tax Advantage

    Texas’s lack of state income tax means your beneficiaries won’t pay state taxes on life insurance proceeds, making it an even more attractive financial tool.

    Property Taxes

    Texas has some of the highest property taxes in the nation. Life insurance can help ensure your family can continue to afford their home.

    Business Ownership

    Texas has a thriving entrepreneurial environment. If you own a business, life insurance can fund buy-sell agreements and provide business continuity.

    Life Insurance Riders to Consider

    Accelerated Death Benefit Rider

    Allows you to access a portion of your death benefit if diagnosed with a terminal illness.

    Waiver of Premium Rider

    Continues your coverage without premium payments if you become disabled.

    Child Term Rider

    Provides coverage for your children, which can be converted to permanent coverage when they become adults.

    Accidental Death Benefit Rider

    Provides additional coverage if death results from an accident.

    Common Life Insurance Mistakes to Avoid

    1. Waiting Too Long to Purchase

    Life insurance premiums increase with age and health issues. The best time to buy is when you’re young and healthy.

    2. Buying Too Little Coverage

    Underestimating your family’s needs can leave them financially vulnerable.

    3. Not Reviewing Your Policy

    Life changes like marriage, children, or career advancement may require coverage adjustments.

    4. Focusing Only on Price

    The cheapest policy isn’t always the best. Consider the insurance company’s financial strength and reputation.

    The Application Process

    Application and Interview

    You’ll complete an application and may have a phone interview about your health and lifestyle.

    Medical Exam

    Most policies require a medical exam, which is typically free and can be done at your home or workplace.

    Underwriting

    The insurance company reviews your application, medical exam, and any additional information to determine your risk and premium.

    Policy Delivery

    Once approved, your policy will be delivered, and you’ll have a free look period to review the terms.

    How Alliance Retirement Services Can Help

    Choosing the right life insurance can be complex, but you don’t have to navigate it alone. Our experienced team can help you:

    • Assess your family’s life insurance needs
    • Compare policies from multiple carriers
    • Understand policy features and riders
    • Navigate the application process
    • Review and update your coverage as needed

    Protect Your Family’s Future Today

    Life insurance is a gift of love and responsibility to your family. Don’t wait to protect those who matter most to you.

    Ready to explore your life insurance options? Contact Alliance Retirement Services at (832) 772-2244 or schedule a consultation today. We’ll help you find the right coverage to protect your Texas family’s financial future.

  • ACA Health Plans: A Comprehensive Guide for Katy Residents

    The Affordable Care Act (ACA) marketplace offers numerous health insurance options for Katy residents, but navigating these choices can be complex. This comprehensive guide will help you understand your options and make informed decisions about your health insurance coverage.

    Understanding the ACA Marketplace

    The ACA marketplace, also known as the Health Insurance Exchange, is where individuals and families can shop for and purchase health insurance plans. In Texas, residents use the federal marketplace at HealthCare.gov.

    Open Enrollment Period

    The annual Open Enrollment Period typically runs from November 1 to January 15. During this time, you can enroll in a new plan or make changes to your existing coverage.

    Special Enrollment Periods

    Certain qualifying life events may allow you to enroll outside the Open Enrollment Period, including:

    • Loss of health coverage
    • Changes in household size (marriage, birth, adoption)
    • Moving to a new area
    • Changes in income that affect subsidy eligibility

    Types of ACA Health Plans

    ACA plans are categorized into metal tiers based on how much of your healthcare costs they cover:

    Bronze Plans

    Lowest monthly premiums but highest out-of-pocket costs. Good for healthy individuals who want protection against major medical expenses.

    Silver Plans

    Moderate premiums and out-of-pocket costs. Most popular choice and the only tier eligible for cost-sharing reductions.

    Gold Plans

    Higher premiums but lower out-of-pocket costs. Good for those who expect to use healthcare services regularly.

    Platinum Plans

    Highest premiums but lowest out-of-pocket costs. Best for those with significant healthcare needs.

    Financial Assistance Available

    Premium Tax Credits

    Available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level. These credits can significantly reduce your monthly premium costs.

    Cost-Sharing Reductions

    Available only with Silver plans for those with incomes between 100% and 250% of the Federal Poverty Level. These reduce your deductibles, copayments, and coinsurance.

    Katy-Specific Considerations

    Provider Networks

    Katy residents have access to excellent healthcare facilities, including:

    • Memorial Hermann Katy Hospital
    • Houston Methodist West Hospital
    • Texas Children’s Hospital West Campus
    • Numerous specialty clinics and physician practices

    When choosing a plan, ensure your preferred doctors and hospitals are in the plan’s network to avoid higher out-of-network costs.

    Plan Availability

    Fort Bend County residents typically have access to multiple insurance carriers offering various plan options. The number and types of plans available can change each year.

    Essential Health Benefits

    All ACA plans must cover ten essential health benefits:

    1. Ambulatory patient services
    2. Emergency services
    3. Hospitalization
    4. Maternity and newborn care
    5. Mental health and substance use disorder services
    6. Prescription drugs
    7. Rehabilitative services and devices
    8. Laboratory services
    9. Preventive and wellness services
    10. Pediatric services

    Choosing the Right Plan

    Assess Your Healthcare Needs

    Consider your current health status, medications, preferred doctors, and expected healthcare usage for the coming year.

    Compare Total Costs

    Don’t just look at monthly premiums. Consider:

    • Deductibles
    • Copayments and coinsurance
    • Out-of-pocket maximums
    • Prescription drug costs

    Check Provider Networks

    Ensure your preferred doctors, hospitals, and specialists are in the plan’s network.

    Review Prescription Drug Coverage

    Check that your medications are covered and understand any restrictions or prior authorization requirements.

    Common Enrollment Mistakes to Avoid

    1. Waiting Until the Last Minute

    Give yourself time to research and compare plans. Don’t wait until the enrollment deadline.

    2. Choosing Based on Premium Alone

    A plan with a low premium might have high deductibles or limited provider networks.

    3. Not Updating Your Application

    Report income and household changes promptly to ensure you receive the correct amount of financial assistance.

    4. Forgetting to Pay Your Premium

    Your coverage won’t start until you pay your first premium.

    How Alliance Retirement Services Can Help

    Navigating the ACA marketplace can be overwhelming, but you don’t have to do it alone. Our certified enrollment specialists can help you:

    • Determine your eligibility for financial assistance
    • Compare plans based on your specific needs
    • Complete your application and enrollment
    • Understand your benefits and how to use them
    • Make changes during special enrollment periods

    Get Expert Help Today

    Don’t navigate the ACA marketplace alone. Our team of experts is here to help you find the right health insurance plan for your needs and budget.

    Ready to explore your options? Contact Alliance Retirement Services at (832) 772-2244 or schedule a consultation today. Our services are free, and we’re here to help you make the best decision for your healthcare coverage.

  • Understanding Medicare Plans for Houston Seniors

    Understanding your Medicare options can be overwhelming, especially for Houston-area seniors who are approaching eligibility or need to make changes during open enrollment. This comprehensive guide will help you navigate the complex world of Medicare and make informed decisions about your healthcare coverage.

    Medicare Basics: The Four Parts

    Part A: Hospital Insurance

    Medicare Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Most people don’t pay a premium for Part A if they or their spouse paid Medicare taxes while working.

    Part B: Medical Insurance

    Part B covers doctor visits, outpatient care, medical supplies, and preventive services. There is a monthly premium for Part B, which varies based on your income.

    Part C: Medicare Advantage

    Medicare Advantage plans are offered by private companies approved by Medicare. These plans include everything in Original Medicare (Parts A and B) and often include prescription drug coverage and additional benefits.

    Part D: Prescription Drug Coverage

    Part D provides prescription drug coverage through private plans approved by Medicare. If you have Original Medicare, you’ll need a separate Part D plan unless you have creditable coverage elsewhere.

    Houston-Specific Considerations

    Living in the Houston area provides access to world-class medical facilities like the Texas Medical Center, but it also means navigating a complex healthcare landscape with numerous plan options.

    Provider Networks

    Houston’s large healthcare system means you’ll want to ensure your preferred doctors and hospitals are in your plan’s network. Major health systems in the area include:

    • Houston Methodist
    • Memorial Hermann Health System
    • CHI St. Joseph Health
    • HCA Houston Healthcare
    • MD Anderson Cancer Center

    Plan Availability

    Harris County residents have access to numerous Medicare Advantage and Part D plans, which can make choosing overwhelming. Working with a local expert can help you compare options effectively.

    Common Medicare Mistakes to Avoid

    1. Missing Enrollment Deadlines

    Your Initial Enrollment Period begins three months before your 65th birthday and ends three months after. Missing this window can result in late enrollment penalties.

    2. Not Comparing Plans Annually

    Medicare plans can change their costs, coverage, and provider networks each year. It’s important to review your options during the Annual Open Enrollment Period (October 15 – December 7).

    3. Focusing Only on Premium Costs

    While monthly premiums are important, you should also consider deductibles, copayments, coinsurance, and out-of-pocket maximums when comparing plans.

    4. Not Considering Future Health Needs

    Choose a plan that will work for you even if your health status changes. Consider factors like specialist access and prescription drug coverage.

    When to Enroll or Make Changes

    Initial Enrollment Period

    This is your first opportunity to enroll in Medicare, beginning three months before your 65th birthday.

    Annual Open Enrollment

    From October 15 to December 7 each year, you can make changes to your Medicare coverage for the following year.

    Special Enrollment Periods

    Certain life events, such as moving or losing other health coverage, may qualify you for a Special Enrollment Period.

    How Alliance Retirement Services Can Help

    Navigating Medicare doesn’t have to be confusing. Our team of licensed professionals can help you:

    • Understand your Medicare options
    • Compare plans based on your specific needs
    • Enroll in the right coverage
    • Make changes during open enrollment
    • Handle claims issues and appeals

    We work with multiple insurance carriers and stay up-to-date on Medicare changes to ensure you receive the best possible guidance.

    Take Action Today

    Don’t wait until the last minute to understand your Medicare options. Contact Alliance Retirement Services today for a free consultation. We’ll help you navigate the Medicare maze and find coverage that fits your needs and budget.

    Ready to get started? Call us at (832) 772-2244 or contact us online to schedule your free Medicare consultation.