610-904-8825
9:00 AM - 5Pm PM
Welcome, to the online Hub of...
Paul Bernstein
Consultant for Individual Retirees:
Medicare Enrollment- Social Security Benefits- Retirement Healthcare Optimizer
About Paul ...
Paul is an experienced consultant in the individual retiree space. He spent over a decade working in the Aetna/CVS government services division managing the brokers who sell who sell Medicare Advantage, Medicare Supplements, and Part D Prescription Plans to seniors. He enjoys listening to soon-to-be retirees talk about their family and what they are looking to achieve in retirement. He holds an active law license in the state of California, a Registered Social Security Analyst certification, and health insurance licenses in numerous states across the country.
California Law Bar Association: License #343548
Registered Social Security Analyst #7860
Health / Life Insurance Agent : NPN 3388918
Welcome, to the online Hub of...
Paul Bernstein
Retiree Consultant:
Medicare
Social Security
Healthcare Optimization
Medicare Enrollment
Social Security Enrollment
Healthcare Planning
HAVE YOU OR A FAMILY MEMBER BEEN ASKING YOURSELF ANY QUESTIONS LIKE THESE?
What is the Full Retirement Age?
When should I and/or spouse enroll in Medicare?
Can I work and collect social security?
Can I work and join Medicare at same time?
Should I join Medicare if I already have a retiree health plan?
If I take social security benefits early will it affect my spouse?
What is the best way and age to claim my social security benefits?
How much will my social security benefit go down if I collect early?
Is a Medicare Advantage or Medicare Supplement Plan better for me?
If So, We NEED to TALK NOW !
With Our Consulting Services, You Get:
Trusted Medicare & Social Security Experts
Unbiased Guidance
One-on-One Consultation
Formal Personalized Paper Reports
THE REALITY
Did You Know?
That MORE than 90% of all social security recipients do not maximize their benefits?
You typically get ONE chance to file for Medicare & Social Security correctly
That the average household loses $110,000* in potential income by not making the optimal social security decision?
You can miss out on hundreds of dollars a month in Social Security Benefits by filing at the wrong time?
That ONE mistake in your Medicare decision can cost a person thousands - even tens or hundreds of thousands - of dollars!
That social security has 2728 rules in determining your benefit amount?
That Medicare does not count cobra as job-based coverage?
That Social Security is taxed for some recipients?
That you can collect benefits off an ex-spouse's record in many cases?
That there are PERMANENT late enrollment fees for signing up late for Medicare?
That you have one guarantee issue period to join a Medicare Supplement with No medical questions?
That the number of employees at your company can determine how your benefits will pay along with Medicare?
Confused by the endless Medicare and Social Security Lingo?
It STOPS Here!
My Services
CONQUER THE 3- LEGGED RETIREMENT MONSTER STANDING IN YOUR WAY !
Personalized Medicare Consultation Program
Pricing
Individual: $1650
Couple: $2800
Personalized Social Security Roadmap
Pricing
Individual or Couple: $1499
Retiree Healthcare Plan Advisor Program
Pricing
FREE
Silver Sword Package
Pricing
Individual Bundle: $2399
Diamond Dagger Program
Pricing
Couple Bundle:
$3549
Personalized Medicare Consultation Program
Comprehensive Medicare Enrollment Decision Making Assistance
Retiree Healthcare Plan Advisor Program INCLUDED
A nonbiased, do for you service, from the beginning to end of Medicare application process- from research, analysis, recommendations, and follow ups.
One-on-One Consultation - 1 Hour - via Phone or Zoom
When to Join Timeline
IRMAA Analysis & Recommendation
Review of Employer Health Plan
Personalized Medicare Roadmap Report - 4 Parts
I-65 Needs Assessment Report
Medicare Roadmap Report
I-65 Estimate Report
Medicare Plan Selection Report (IF Needed)
Customized Colored Final Report Mailed to your Home
Personalized Social Security Roadmap
Initial Consultation - Free, no-obligation call with a Registered Social Security Analyst to discuss your personal situation.
Run Analysis - Once you engage us, an Registered Analyst will provide you multiple Social Security claiming strategies based on your individual circumstances.
Optimization Plan - As your RSSA, we will help you decide on which strategy best optimizes your Social security benefits.
The RSSA Roadmap Optimizer will help you decide when to apply for benefits and will calculate how much you will get.
Will compare Social Security Benefit levels before, at, and after Retirement Age.
Will determine and tell you optimal date for you and/or spouse to apply for benefits.
Complete review of all your circumstances affecting benefit amounts (Divorce, Widow, Remarriage, Children, etc.)
Customized Colored Final Report Mailed to your Home
Retiree Healthcare Plan Advisor Program
We can act as a broker/agent for your insurance policy selection IF it is possible. Depends on region and the carrier that works best for you.
There is NO charge for this as we earn a commission directly from the insurance carrier for the plan chosen in most cases if we take this route.
Initial Intake - We work with you in uncovering what your likes, needs, and requirements are, so we can assess the market and report back potential plans and choices for you.
We run a report and review Medicare Coverages that are in your best interest such as Medicare Advantage, Medicare Supplements, and Part D Prescription.
We work with many National & Regional Medicare Advantage & Supplement Plans Nationwide.
Needs Analysis - Present numerous Private and Government Assistance programs you may be eligible regardless of your income or assets.
FREE ANNUAL REVIEWS if we are a broker of record on your policy.
Silver Sword Package
Personalized Medicare Consultation Program
Personalized Social Security Roadmap
Retiree Healthcare Plan Advisor Program
Needs Analysis
Diamond Dagger Program
Personalized Medicare Consultation Program
Personalized Social Security Roadmap
Retiree Healthcare Plan Advisor Program
Needs Analysis
Real People. Real Success Stories.
Dolores (Philadelphia)
"I felt like I was banging my head against the wall trying to figure out this Social Security and Medicare thing." Paul is a great listener and gave me great advice on my timelines and ways to increase my benefits."
Janice/Steven (Kansas City)
"Paul gave us professional advice on our short and longer term Medicare needs. There is no question his advice saved us thousands of dollars worth of wrong decisions and confusion."
Bruce/Elyse (Houston)
"The complexity to Medicare and Social Security was mind boggling. Paul not only knew his stuff, but was extremely clear and responsive to our concerns. Cannot recommend Paul more than enough."
Michael/Brandy (Sacramento)
Just awesome advice! No question he saved us thousands of dollars in missed benefits."
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Get started by clicking the button below.
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Let's Get Social!
CONTACT ME
Paul@GuruRetirement.com
(610)904-8825
Mon-Sat 9am-5pm
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Paul@gururetirement.com
610-904-8825