ICoachSolutions

ICoachSolutions Our mission is to empower your mission, through healthcare, veteran resources and financial services.

IUL or term life?Most people get sold on one of these instead of shown the difference, and the illustration they're hand...
09/03/2026

IUL or term life?

Most people get sold on one of these instead of shown the difference, and the illustration they're handed is designed to be admired, not understood.

So here's the plain-English version. Where each one genuinely wins, what the costs are, and how to tell which fits your situation.

Free comparison, nothing to sign up for: https://icoachsolutions.pro/resources/iul-vs-term

Read it before your next appointment with anyone, me included.

https://icoachsolutions.pro/resources/iul-vs-term

"How much life insurance do we actually need?"The usual answer is a rule of thumb that ignores your mortgage, your kids'...
09/01/2026

"How much life insurance do we actually need?"

The usual answer is a rule of thumb that ignores your mortgage, your kids' ages, and whether one income could carry the household.

This free calculator asks seven questions and shows you three scenarios side by side. Four minutes, no email required to see your number.

Try it: https://icoachsolutions.pro/resources/life-insurance-calculator

Bring your number to any agent, including me. At least you'll be starting from something real.

https://icoachsolutions.pro/resources/life-insurance-calculator

When did you last actually read your own policy?Most families I sit down with have one of two things going on. A gap the...
08/27/2026

When did you last actually read your own policy?

Most families I sit down with have one of two things going on. A gap they didn't know existed, or two policies quietly covering the same thing while they pay for both.

I turned the review I do with clients into a free 12-point audit you can run yourself. About nine minutes, and you'll know exactly where you stand.

Run it here: https://icoachsolutions.pro/resources/coverage-audit

If something looks off when you're done, that's worth a conversation.

https://icoachsolutions.pro/resources/coverage-audit

Most people budget for their Medicare premium and stop there.Then the year starts and the other costs show up. Prescript...
08/25/2026

Most people budget for their Medicare premium and stop there.

Then the year starts and the other costs show up. Prescriptions. Dental. Vision. Hearing. The deductible nobody mentioned.

This free worksheet walks you through the real monthly number, using current 2026 figures, so you know what you're actually planning for before you choose anything.

Work through it here: https://icoachsolutions.pro/resources/medicare-budget-worksheet

Takes about ten minutes and it's yours to keep.

https://icoachsolutions.pro/resources/medicare-budget-worksheet

"When do I actually need to do something about Medicare?"I get asked this more than any other question, and the honest a...
08/20/2026

"When do I actually need to do something about Medicare?"

I get asked this more than any other question, and the honest answer is that it depends on your age and whether you have coverage through work.

So I wrote it all down. Age by age, from 63 through 65 and beyond. What to do, when to do it, and what to do if you're already past a deadline.

Free guide, no obligation: https://icoachsolutions.pro/resources/medicare-timing-guide

If you're helping a parent through this, send it to them too.

https://icoachsolutions.pro/resources/medicare-timing-guide

Turning 65 in the next year?There are three enrollment windows that matter, and the one most people miss doesn't announc...
08/18/2026

Turning 65 in the next year?

There are three enrollment windows that matter, and the one most people miss doesn't announce itself. It just closes, and the penalty follows you for life.

I built a free checklist that lays out every date that applies to you, based on your birthday and whether you're still working.

No jargon. No sales pitch. Just the dates and what happens if you miss them.

Grab it here: https://icoachsolutions.pro/resources/turning-65-checklist

https://icoachsolutions.pro/resources/turning-65-checklist

A bill to fix Medicare Advantage prior authorization just cleared a House committee 42 to nothing. That is real momentum...
07/22/2026

A bill to fix Medicare Advantage prior authorization just cleared a House committee 42 to nothing. That is real momentum. It also will not help you in 2027.

Let's break it down in simple terms.

The Improving Seniors' Timely Access to Care Act would make prior authorization electronic, put real time limits on decisions, and force plans to report how often they approve and deny. It passed House Ways and Means on July 15 with around 300 co-sponsors. Unanimous committee votes on health care almost never happen.

Now the fine print. An amendment moved the start date to January 1, 2029. And it still has to pass the full House and the Senate before any of it is law.

So what does this actually mean for you and your family? If getting a procedure approved has been a headache this year, the fix is not waiting on Washington. It is knowing the rules your plan already has, before you need something approved.

The bottom line: good news, wrong timeline.

Happy to walk through how prior authorization works on your coverage if it would help you or your folks.

Nearly 1 in 4 Americans have zero emergency savings — and inflation is the #1 reason people can't build one. Our new gu...
07/18/2026

Nearly 1 in 4 Americans have zero emergency savings — and inflation is the #1 reason people can't build one. Our new guide breaks down how much you really need in 2026: how many months to save (it's based on your essential expenses, not your paycheck), where to keep the cash, and how the right insurance keeps a big emergency from ever draining the fund. Plain-English, judgment-free.

https://icoachsolutions.pro/blog/how-much-emergency-fund-do-you-need-2026

07/17/2026

Check out F&G’s Safe Income Advantage, one of the top selling fixed indexed annuities on the market today.

Safe Income Advantage offers guaranteed growth with flexible income options, making it an ideal choice for people who:
✔️Are age 60-75 and want security now, but flexibility later
✔️Want guaranteed income with the choice of how and when to take payments
✔️Recognize that their health and financial needs will evolve as they age, so flexible income options are key

If that’s you, talk to your financial professional about how Safe Income Advantage could be a good addition to your retirement income mix.

Learn how fixed indexed annuities work: https://bit.ly/4x2prnJ

Every year around this time I get the same happy text: "Did you hear Social Security is going up?"And the early estimate...
07/16/2026

Every year around this time I get the same happy text: "Did you hear Social Security is going up?"

And the early estimates for next year's raise do look big. Right now they're running somewhere between 3.8% and 4.7%. Nothing is locked in yet, the official number comes out in October, but it would be one of the larger bumps in a while.

Here's the part that trips people up. A raise on paper isn't always a raise in your bank account.

Two things move at once. The cost-of-living increase pushes your check up. But the Medicare Part B premium comes out of that same check before it ever reaches you, and it's projected to go up too next year (that official figure lands in November).

So the smart move isn't to celebrate the headline or worry about it. It's to look at the net, the number that actually shows up after everything is deducted.

That's it. No decisions to make today. I just don't want anyone caught off guard when the "big raise" feels smaller than expected.

Happy to walk through what it might look like for you or your folks if it'd help.

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