About Michael Smith — Licensed Medicare Broker & Author of 64+

I’m Michael Smith — founder of Guardian Health & Wealth in Bowling Green, Kentucky, a licensed insurance broker, and the author of 64+: Your Ultimate Guide to Medicare & Retirement Planning.

For the past 15 years I’ve helped people make sense of their coverage. I started this agency because I kept hearing the same worry from family, friends, and neighbors: they were turning 65 with no idea what to do about Medicare — afraid of a mistake, a penalty, or a gap they wouldn’t see until it was too late. That fear is real. It’s also completely fixable, and fixing it is what I do every day.

My work is a conversation, not a pitch: your doctors, your prescriptions, your timeline. We represent multiple national insurance organizations — including Humana, Aetna, Wellcare, UnitedHealthcare, Anthem, and Devoted Health — which means my job is fitting a plan to you, not fitting you to a plan. And if staying put is your best move, that’s exactly what I’ll tell you.

What I write and review on this site

Every county Medicare guide, give-back explainer, and educational article on this site is produced under my review as a licensed broker, using official CMS public data files and the real questions I hear on calls with clients every week. Each article shows its data source and last-verified date.

Talk with me

Schedule a free Medicare enrollment consultation — or start with the free digital edition of my book.