Four Areas Of Work
Most households need two of these and think they need one. Each entry says what the work involves and where it stops, including the parts we hand to somebody else.
Medicare And Health Timing
Straight answers at the point the decision cannot be deferred.
The initial enrolment window is seven months wide and missing it attaches a penalty to every premium for life. Most of the value here is timing and a careful read of what a given plan actually covers.
- Medicare planning
- Medigap vs. Advantage
- Annual coverage reviews
Family Protection
Cover that keeps its promise to the people who depend on you.
Most families are either uninsured or hold a policy nobody has read since the day it was signed. The work here is unglamorous: establish what would actually be needed, in cash, in the first two years, then buy that and no more.
- Term life
- Whole life
- Indexed universal life
Retirement Income
Turning a lifetime of saving into income you can plan around.
A balance is not an income. This is the work of deciding which money is spent first, which is left to grow, and how much of it should be immune to a bad year at the wrong moment.
- Fixed indexed annuities
- 401(k) and IRA rollovers
- Income sequencing
Dignity Planning
A small, guaranteed plan so final costs are never a scramble.
Funeral and final costs run into the thousands and are typically due within days. Many plans are guaranteed issue, with a fixed premium that never increases once it starts.
- Guaranteed issue
- Fixed premium
- Direct to your beneficiary
A plan for passing on more than money.
Where the estate work goes beyond what we handle directly, we bring in an attorney rather than pretend otherwise. What we own is making sure the policies are structured so the money lands where it is supposed to, when it is needed: beneficiary and ownership structure, trust funding with partner attorneys, and generational wealth transfer.
We are not connected with or endorsed by the United States government or the federal Medicare program.
How many carriers, and roughly how many plans, we actually represent for Medicare, so the required scope disclosure states a real number instead of a placeholder
CMS marketing rules require disclosing that not every plan available in the area is being shown. The exact wording depends on the real carrier count, so it cannot be written until that number is confirmed.
Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program to see all of your options.
Not Sure Which Of These You Need
Most people cannot tell from a services page alone, and that is normal. Tell us the basics and an advisor will tell you which of the four is the live one for your situation.
True Gold Financial is an independent agent based in Austin, Texas, licensed to help with Medicare, life protection, and retirement income planning. Nothing on this site is an offer of cover or individual financial advice.