About Guardian Health & Wealth — Your Local Medicare Guide
Meet Michael Smith, Founder and Licensed Insurance Broker
I’m Michael Smith. For the past 15 years, I’ve helped people make sense of their coverage.
I started Guardian Health & Wealth for one reason:
I kept hearing the same worry from family members, friends, and neighbors.
They were turning 65 and had no idea what to do about Medicare.
They were afraid of making a mistake, getting hit with a penalty,
or ending up with a gap in coverage they didn’t see coming.
That fear is real, and it’s completely unnecessary.
I built this agency to give people
across the country a straight answer.
No jargon, no sales pitch, no confusion.
Just a clear conversation about what you need and how to protect it.
Licensed, Certified, and Ready to Help
I take credentials seriously because you should too. Here’s where I stand:
Licensed insurance broker in 46 most states
AHIP certified
Contracted with every major carrier in every zip code we serve
Thousands of clients helped every year with their Medicare enrollment
What does all that mean for you?
It means I can look across the entire market and find the plan that fits your situation.
I’m not tied to one carrier, so my only job is finding what works for you.
More Than Medicare — Protecting Your Whole Retirement
Medicare is where most of our clients start, but it’s rarely where the conversation ends.
A solid retirement plan needs more than health coverage.
We also help with:Life insurance to protect your spouse and
leave a legacy for your family Indemnity policies that fill the gaps traditional plans leave behind
Retirement planning so your income lasts as long as you do
The goal is simple.When you walk out of our office or hang up the phone,
you know your health is covered,
your family is protected, and your future is secure.
Rooted in Bowling Green, Serving Coast to Coast
Our office is in Bowling Green, Kentucky. This is home.
I live here with my wife and two daughters, and when I’m not helping clients,
you’ll find me kayaking, fishing, or just being outdoors.
This community raised me, and Guardian Health & Wealth is how I give back.
But because we’re licensed in most states, we can help your family members wherever they live.
Got a parent retiring in Florida or a sibling in Texas? We’ve got them covered too.
Let’s Talk — No Pressure, Just Answers
You don’t have to figure this out alone.
Call us or schedule a free appointment.
We’ll sit down, look at your situation, and walk through your options in plain English.
If we’re not the right fit, we’ll tell you that too.