Review your situation & timing
Where you are with enrollment, whether you're still working, and when you need to act to avoid penalties.
Fullerton 360 · Medicare
Medicare Planning
Navigate your coverage with confidence, with experienced help to choose the right plan and tie it into the rest of your retirement.
Optimizing Medicare can feel overwhelming: so many moving parts and options. Our goal is to take the guesswork out of it.
A lot of moving parts
Medicare is more decisions than most people expect.
- 4
parts of Medicare to understand — A, B, C, and D
- 7
month Initial Enrollment Period around your 65th birthday
- 10%
Part B premium penalty for each year you delay enrolling without coverage, for life
- 65
the age most people become eligible for Medicare
- 1
income surcharge (IRMAA) that ties Medicare to your tax plan
You don't have to figure it out alone
Experienced professionals helping you decide.
Fullerton has partnered with AE Medicare Solutions so you get experienced help navigating the four parts of Medicare, making the most of your coverage, and protecting your health within your budget.
- Comprehensive guidance — a knowledgeable guide in your corner to walk you through every option, via AE Medicare Solutions.
- Cost-efficiency — the most coverage for your budget — working to reduce out-of-pocket costs and make the most of your benefits.
- Tailored solutions — no two plans are the same, so we match coverage to your health and your life.
Navigating the Medicare maze
From premiums to how Medicare works with private insurance.
The goal is simple: help you evaluate the costs, understand the differences between the parts, and make educated decisions about your coverage.
- Evaluate the costs — premiums, deductibles, and what you'll actually pay out of pocket.
- Understand the differences — between Medicare Part A, B, C, and D, so the choice is clear.
- Coordinate with private insurance — see how supplemental coverage can help with the costs Medicare leaves behind.
Know the four parts
Medicare comes in four parts, and they don't all do the same job.
Understanding what each part covers is the first step to choosing coverage that fits. Here's how they break down:
01
Part A: hospital — inpatient hospital stays, skilled nursing, and some home health care.
02
Part B: medical — doctor visits, outpatient care, preventive services, and durable medical equipment.
03
Part C: Medicare Advantage — a private-plan alternative that bundles A and B, often with extra benefits.
04
Part D: prescription drugs — coverage for the medications Original Medicare doesn't pay for.
How we guide your decisions
Five steps to Medicare coverage that actually fits.
It doesn't start with a plan name. It starts with your situation, your timing, and how Medicare fits the rest of your retirement.
Compare A, B, C & D options
With AE Medicare Solutions, weigh Original Medicare, Advantage, and drug coverage against your health and budget.
Coordinate with private insurance
See how supplemental and employer coverage work alongside Medicare to fill the gaps.
Factor income, IRMAA & your plan
Higher income can raise your premiums through IRMAA, so we coordinate it with your broader tax and income plan.
Review as your needs change
Medicare isn't a one-time decision. We revisit your coverage as your health and life evolve.
FAQ
Still Wondering If This Is Right for You?
Here are some of the questions we hear most often, with straight answers to help you move forward confidently.
How do I make sure I have enough to retire?
It comes down to two things: what you need, and how your income is structured. We build your Retirement Income Plan around your lifestyle, your assets, and your goals, then help you create steady income that supports it.
How do I make sure I don’t run out of money later in retirement?
We design your income plan to cover today and 20–30 years from now. That includes guaranteed income for stability, and a long-term strategy for growth that doesn’t rely on timing the market. We help you avoid the common missteps that drain retirement accounts too soon.
What’s the best way to retire and not have to give up my lifestyle or be afraid of my budget?
It starts with knowing how much your desired lifestyle costs and ends with creating more than enough income to maintain it. We help you define your spending levels, identify guaranteed income sources, and map out a tax-smart withdrawal strategy that lets you live the life you’ve worked for, not tiptoe around it.
Why do I need more guaranteed income than just Social Security?
Social Security rarely covers everything, and it's not built to. If you want freedom and flexibility in retirement, additional income sources (especially guaranteed ones) help you maintain your lifestyle without leaning too hard on market-risk assets. We help you identify the right way for you to fill the gap.
How do I protect myself from future market downturns or crashes?
The key is not being forced to sell investments during a downturn. We create a plan that separates protected income from growth assets, so your lifestyle isn’t dictated by what the market did this month. We help you stay calm, not reactive.
When is the right time to retire?
There’s no perfect age or market condition, and waiting for the “right moment” often leads to missed opportunities. The right time to retire is when you have a plan that works no matter what the economy is doing, one that protects your income, reduces your tax exposure, and supports your lifestyle with confidence. We help you build that plan, so retirement becomes a decision based on your goals, not guesswork.
How do I avoid being forced to go back to work or worse?
By creating a plan that isn’t built on hope or guesswork. We help you build reliable income, minimize tax surprises, and protect yourself from risks like sequence of returns and rising costs, so work stays optional.
How can annuities fit into my income plan?
Some annuities are designed to create high, guaranteed income, which can be a great fit when there’s an income gap. We only use them when they add clear value, and only the types that offer flexibility, control, and competitive payouts. We help you understand when they’re appropriate, and when they’re not.
My current financial advisor still has me in risky investments. It feels wrong to me now that I’m older, but am I just worrying too much?
You’re not. What worked when you were growing your money isn’t always what protects it during retirement. Our work focuses on transitioning portfolios to support income, stability, and risk reduction, not just growth for growth’s sake. We help you make the shift, without starting over.
I plan to retire in the next 10 years. Is it too early to begin planning?
Not at all. In fact, this is the ideal time. Planning early gives you more options, more flexibility, and better long-term outcomes. We help you make smarter decisions today that pay off later.
I want to retire sooner than 10 years… Am I too late to plan?
The sooner you start planning, the better. But even if retirement is around the corner (or already started) you can still make wise choices to protect your future. It’s worth a conversation to see how your current income plan will hold up to the test of time.
How do I make sure my spouse is taken care of if I pass first?
We build spousal continuity into every plan. That includes income continuation, beneficiary planning, and making sure your spouse has clarity, not confusion, during a difficult time. We help you protect what matters most.
What changes to my investment strategy should I expect when transitioning to retirement?
Most portfolios need to be adjusted, but not overhauled. We’ll help you rebalance for risk, reposition assets for tax efficiency, and integrate income strategies that reduce reliance on market performance. We help you make your money work for retirement, not just growth.
What does the Retirement Review cost?
It’s 100% complimentary. No pressure, no sales tactics. Just a helpful, honest conversation to help you see where you stand, and how we may be able to help you move forward.
Ready to navigate Medicare with confidence?
Start with a free, no-obligation review. We'll help you choose the right coverage and show how it fits your plan.
Get Your Free Medicare Reviewor call us at 623-974-0300