Welcome to Gary Lavallee Medicare Guidance
My name is Gary Lavallee, and the owner and chief advisor at Gary Lavallee Insurance and Harbourside Wealth Management*. I have 34-Years in the retirement planning and advice business. Quite frankly, I am upset with the host of misinformation and misleading guidance that is bestowed upon retirees. Much of it is self-serving and beginning
to become the norm.
Over the years I have been privileged to be hired by some of the biggest names in the Pioneer Valley to provide guidance on insurance and retirement issues.
You may ask, "Why do you only provide guidance for Medicare to wealthier individuals"? Well, over the years I have both seen firsthand and been provided stories from others on some very costly mistakes endured by retired wealthier individuals that shouldn't have ever happened if they received the
correct guidance.
Understand, Medicare Planning and the yearly task of picking the right Medicare Plan may sound so easy. Actually, it really isn't and can cause unintended financial consequences and penalties that may last for years if you don't adhere to the annual guidelines and quagmire of convoluted rules and regulations.
So getting back to the question ...
Why Do I Specialize in Medicare Planning For "Only" Wealthier Individuals?
It's because wealthier individuals have a number of different issues that need to be addressed and planned for on a yearly basis that require a Medicare specialist that understands wealth issues. Such issues as; the need for the very best coverage for flexibility, world travel, medical specialist (in and out of the area), top-tier prescription drugs, and overall out-of-pocket costs.
In addition, tax planning issues for higher adjusted gross income earners can result in higher premiums (IRMAA) being charged than lower-income earners pay. With guidance and proper planning*, it may be possible for you to be placed into a lower medicare premium bracket potentially saving a family thousands annually.
*This information does not constitute advice in the area of legal or tax advice. It is your responsibility to seek guidance and advice from your own legal and tax counsel. Estate planning is done in conjunction with your estate planning attorney, tax attorney, and/or CPA. Tax-planning. Cash-flow planning and Investment planning are performed through our FINRA licensed affiliate Harbourside Wealth Management, also owned by Gary Lavallee. Gary W. Lavallee is registered with and securities are offered through Kovack Securities, Inc. Member FINRA/SIPC. Located at 6451 N. Federal Highway, Suite 1201, Ft. Lauderdale, FL 33308 (954) 782-4771. Investment Advisory services are offered through Kovack Advisors, Inc. Harboursidewealth Management and Gary Lavallee Insurance and Medicare Guidance are not affiliated with Kovack Securities, Inc. or Kovack Advisors, Inc. Gary Lavallee is registered in MA, CT, FL, TN, AZ, VT, and MD