I wrote the book on this. Literally.
64+: Your Ultimate Guide to Medicare & Retirement Planning is the published book I co-authored — the complete walk-through of the decisions coming at you: the enrollment windows and their lifetime penalties, the real fork in the road between Medicare Advantage and a supplement, drug coverage, working past 65, and how the Medicare decision fits into your bigger retirement picture.
It’s available in paperback and hardcover — but you can have the complete digital edition free. Tell me where to send it:
Your copy arrives by email within a few minutes. Prefer to skip ahead? Schedule a free consultation and we’ll go straight to your specific situation.
What the book covers
The book walks through the decisions in the order they actually arrive, rather than in the order a brochure lists them.
The enrollment windows, and which ones carry a penalty you pay for life rather than for a year. The fork in the road between Medicare Advantage and a Supplement, written so you can tell which side you are on. Drug coverage, and why the cheapest premium is frequently the most expensive plan once your prescriptions are priced. Working past 65, including the employer-size rule that decides whether delaying is safe or costly. And how the Medicare decision fits the rest of retirement, which is where the income timing and the health savings account questions live.
Who it is written for
People approaching 65 who want to understand the decision before someone tries to sell them a plan, and people already on Medicare who suspect they chose in a hurry and want to check.
It is written in the same plain language I use on calls. No jargon for its own sake, and no pretending the choice is simpler than it is.
If you are reading this before your 65th birthday, you are early enough for it to matter. Most of the expensive mistakes in Medicare are timing mistakes, and timing is the one thing you cannot go back and redo.
Questions people actually ask
What is the 64+ Medicare guide?
A published book covering the Medicare and retirement decisions people face around 65: enrollment windows and their penalties, Advantage against a Supplement, drug coverage, working past 65, and how it all fits into a retirement plan.
How much does the book cost?
The paperback and hardcover are sold at the usual retailers. The complete digital edition is available from this page at no cost and with no obligation.
Who should read it?
Anyone approaching 65 who wants to understand the decision before being sold a plan, and anyone already enrolled who wants to check a choice they made quickly.
Do I have to buy anything after reading it?
No. The book is education. If you want help applying it to your own doctors and prescriptions afterwards, that conversation is also free and carries no obligation.
Schedule a time or call (270) 721-5069.