government benefits

 As you prepare to exit the full-time workforce, a key component to replacing your income is the Social Security benefit your have now earned.  Deciding when to turn this benefit on can be confusing and a difficult decision.  Likewise, obtaining spousal benefits can be equally daunting.  At Voyageur, we assist in Social Security planning through our planning tools to ensure you are getting the most from this Federal program.

Replacing your health insurance with one offered through Medicare is one of the most important decisions in retirement.  Making the wrong choice can literally cost you thousands of dollars.  Working with an unbiased, independent broker in evaluating and selecting your Medicare Supplement or Advantage Plan is an absolute vital aspect to sound retirement planning and one that we take very seriously at Voyageur. 

When the ugly of life hits we have government benefit programs that offer help.  A good retirement plan is one that takes into account how Medicaid works and how the rules and regulations of accessing benefits will impact you, your family and your estate.  Failing to plan or having a plan that does not address the harsh realities of Medicaid can be financially devastating. 

 Our veterans gave us the support needed to maintain this amazing country of ours!  As part of that service, they and their spouses, have access to certain programs that can be a godsend in retirement.  Whether its health insurance and services, disability assistance or the non-service related pension programs, there is much to offer retired veterans and spouses alike that should be considered in developing and implementing a sound retirement plan.