Your Complete
Retirement Plan
Starts Here
Most people spend retirement managing 6–8 separate advisors who never talk to each other. Legacy Wealth Services coordinates every piece of your financial picture — Medicare, insurance, Social Security, estate planning, taxes, and more — under one trusted roof.
Fragmented Advice
Costs You Money
When your Medicare agent, financial planner, estate attorney, and insurance broker don't communicate, you end up with duplicate coverage, missed opportunities, and costly gaps.
- ✕ Paying too much for Medicare because no one reviewed your supplement vs. advantage options together
- ✕ Taking Social Security at the wrong time because no one modeled how it affects your Medicare premiums
- ✕ Carrying a life insurance policy you no longer need — worth far more as a life settlement
- ✕ Overpaying FICA taxes because your accountant doesn't know about FICA reduction strategies
- ✕ No estate plan — or one that was written 15 years ago and never updated
One Advisor.
Complete Picture.
Legacy Wealth Services coordinates all eight areas of your financial life so every decision informs every other decision — maximizing what you keep and minimizing what you lose to gaps, overlaps, and timing mistakes.
- ✓ Medicare optimized based on your income and health profile
- ✓ Social Security timed for maximum lifetime benefit
- ✓ Insurance aligned to your estate and income replacement needs
- ✓ FICA reduction and business benefits coordinated
- ✓ Estate plan reviewed alongside your insurance and retirement accounts
Where Are You in Your Journey?
Your life stage determines which solutions matter most right now. Choose your situation below to see your personalized roadmap.
Pre-65: Build Your Foundation Now
The decade before Medicare eligibility is the highest-leverage planning window of your financial life. Decisions made here about insurance, income, and retirement accounts will determine your options — and costs — for the next 30 years.
Life Insurance & IUL
Lock in premiums while healthy. Consider an Indexed Universal Life policy for tax-free retirement income.
Explore Life Insurance →Fixed Index Annuities
Protect retirement assets from market downturns while still capturing upside growth.
Learn About FIAs →Estate Planning
Your will, trust, and beneficiary designations need to be in order before any health event.
Start Estate Plan →Social Security Strategy
Start modeling your optimal filing date now — even 10 years ahead of claiming time.
Get SS Analysis →FICA Reduction (Biz Owners)
If you own a business with W-2 employees, you may be leaving $50,000+ per year on the table.
Calculate Savings →Group Health Benefits
Replace individual coverage with group benefits that are more affordable and comprehensive.
Get Group Quote →The Most Important Financial Year of Your Life
Missing your Medicare Initial Enrollment Period can cost you permanent late enrollment penalties. But Medicare is only one of five major financial decisions you need to make around age 65.
Medicare Enrollment
Navigate Part A, B, C, and D. Choose between Advantage and Supplement plans with carrier comparison.
Explore Medicare →Social Security Timing
Take at 62 or wait until 70? Our RSSA analysis models the break-even and optimal strategy for your situation.
Get SS Analysis →Life Insurance Review
Your policy may have outgrown its purpose. Review coverage, or explore selling it for cash via a life settlement.
Review Coverage →Life Settlements
If you have a policy you no longer need, you may be able to sell it for 3–5× the cash surrender value.
Get Settlement Value →Estate Plan Update
Medicare enrollment changes your financial picture. Update beneficiaries, wills, and powers of attorney.
Update Estate Plan →Ancillary Coverage
Dental, vision, hearing, and cancer coverage that Medicare typically doesn't include.
See Ancillary Plans →Turning 65 Soon? Don't Wait.
Medicare enrollment opens 3 months before your birthday month. Late enrollment penalties never go away. Schedule your free consultation now.
In Retirement: Protect, Optimize, Leave a Legacy
Retirement isn't the finish line — it's a 20–30 year financial journey that requires ongoing optimization. Healthcare costs, IRMAA surcharges, policy reviews, and estate updates all affect what you keep and what you leave behind.
Annual Medicare Review
Plan formularies change every year. An annual review can save hundreds to thousands in premium and drug costs.
Review My Plan →Social Security Check-Up
Already taking benefits? A RSSA analysis may reveal spousal, survivor, or divorced-spouse benefits you're missing.
Get SS Review →Life Settlement Evaluation
If you're 65+ with a life insurance policy worth $100K+, a life settlement may be worth far more than lapsing.
Get Policy Value →Estate Plan Review
Laws change. Family situations change. Your estate plan should be reviewed every 3–5 years at minimum.
Review Estate Plan →Ancillary Coverage
Dental, vision, hearing, and hospital indemnity gap plans that supplement your existing Medicare coverage.
See Options →Long-Term Care Planning
Home care, assisted living, and nursing home costs can devastate retirement savings. Plan now.
Explore LTC Options →Business Owners: Your Most Valuable Benefits Are Untapped
Business owners have access to tax strategies and benefit programs that most employees and even many accountants don't know exist. Legacy Wealth Services helps you use every tool available.
FICA Contribution Reduction
The Ignite Health strategy legally reduces FICA payroll taxes for both employer and employee — with no reduction in take-home pay. Most businesses save $1,000–$2,000 per W-2 employee per year. Average employer savings: $50,000–$100,000 annually.
Group Health & Dental
Competitive group health and dental benefits from multiple carriers — designed to attract and retain top talent while maximizing your tax deductions as a business expense.
- ✓ Multi-carrier comparison
- ✓ Fully insured and self-funded options
- ✓ Dental, vision, and disability riders
- ✓ As few as 2 employees to qualify
Business Estate Planning
Succession planning, buy-sell agreements, and business continuity through TrustAndWill.com.
Learn More →Key Person Insurance
Protect the business from the financial impact of losing a founder, partner, or key employee.
Learn More →Owner SS Strategy
As a business owner, your Social Security strategy is different. Model it before you start taking distributions.
Learn More →Medical Professionals: Revenue You're Not Capturing
Remote Patient Monitoring (RPM) and Chronic Care Management (CCM) generate significant recurring Medicare revenue for practices — but most aren't set up to capture it. RemoteCareToday.com makes the implementation turnkey.
Remote Patient Monitoring (RPM)
Bill Medicare CPT codes 99453, 99454, 99457, 99458 for qualifying patients with chronic conditions. Average additional revenue: $1,200–$2,400 per patient per year.
- ✓ No upfront cost to implement
- ✓ Turnkey device provisioning
- ✓ Done-for-you monitoring workflows
- ✓ 100% Medicare reimbursable
Group Health for Medical Practices
Competitive group benefits for your clinical and administrative staff. Multi-carrier comparison with dental and vision riders.
Get Group Quote →FICA Reduction for Practices
Medical practices with W-2 staff qualify for the Ignite Health FICA reduction strategy. Typical savings: $50K–$100K/year.
See FICA Savings →Physician Estate & Succession Planning
Practice buyouts, partnership agreements, and personal estate plans coordinated through TrustAndWill.com.
Plan Your Estate →Every Service. One Place.
Each service area stands on its own — but the real value is how they work together.
Medicare Planning
- ▸ Advantage vs. Supplement
- ▸ Part D drug coverage
- ▸ Ancillary gap plans
- ▸ AEP & OEP reviews
Social Security Optimization
- ▸ Optimal filing date analysis
- ▸ Spousal & survivor benefits
- ▸ Divorced-spouse benefits
- ▸ SS + Medicare IRMAA coordination
Life Insurance & Annuities
- ▸ Final expense coverage
- ▸ Indexed Universal Life
- ▸ Fixed Index Annuities
- ▸ Long-term care riders
Life Settlements
- ▸ Sell policy for lump sum
- ▸ 3–5× cash surrender value
- ▸ All policy types considered
- ▸ Free evaluation — no obligation
FICA Reduction
- ▸ Reduce payroll taxes legally
- ▸ No reduction in take-home pay
- ▸ Avg. $800/employee savings
- ▸ IRS Section 125 compliant
Group Health & Dental
- ▸ Multi-carrier comparison
- ▸ As few as 2 employees
- ▸ Dental & vision riders
- ▸ Tax-deductible as business expense
Remote Care (RPM)
- ▸ Medicare CPT code billing
- ▸ $1,200–$2,400/patient/yr
- ▸ Turnkey device provisioning
- ▸ No upfront cost
Estate Planning
- ▸ Wills and living trusts
- ▸ Powers of attorney
- ▸ Beneficiary review
- ▸ Business succession plans
Every Decision Affects Every Other
This is why working with one integrated advisor matters. Each financial decision you make creates ripple effects across other areas — and a disconnected advisory team misses them.
- ▸ Social Security timing (IRMAA surcharges appear at certain income levels)
- ▸ Life insurance review (you may no longer need certain coverage)
- ▸ Estate plan update (beneficiaries should reflect new coverage)
- ▸ Medicare premiums (higher SS income triggers IRMAA surcharges)
- ▸ Tax planning (SS benefits can be taxable — affects annuity distributions)
- ▸ Life insurance need (income gap analysis changes at different filing ages)
- ▸ Group health coordination (often implemented together for max benefit)
- ▸ Key person life insurance (free cash flow from FICA savings can fund premiums)
- ▸ Business estate planning (FICA strategy works alongside business succession plans)
- ▸ Life settlement evaluation (older policies may be worth 3–5× cash value)
- ▸ Estate plan alignment (beneficiary designations must match estate documents)
- ▸ Annuity conversion (some policies can convert to income riders)
Free Guides for Every Stage
Download any guide — no obligation, just straight answers.
Ready for a Complete
Retirement Plan Review?
A free 30-minute consultation with Rodney covers every area of your financial picture — Medicare, Social Security, insurance, estate planning, and business benefits — and shows you exactly where you're leaving money on the table.
Or get notified about Medicare enrollment deadlines, Social Security strategy updates, and tax-saving opportunities for business owners:
Stay Informed on Medicare & Retirement
Quarterly updates on Medicare changes, Social Security strategies, and financial planning insights — curated by Rodney.