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You have $1M or more invested. Retirement is 1 to 8 years away. But one question keeps coming up: what do you do about health insurance?
The people who figure this out early pay dramatically less. Here's how to make sure you're one of them.
You've done the right things.
Saved consistently. Maxed the 401k. Lived below your means for decades.
But every time retirement comes up, the same question stops the conversation cold:
What do we do about health insurance?
COBRA sounds expensive. ACA sounds complicated. And you've heard stories about people who got the math wrong and paid for it for years.
Here's what most people don't know: there's a window between retirement and Medicare where the decisions you make about income can determine whether you qualify for subsidies worth thousands of dollars per year, or pay full price for coverage you didn't have to.
The difference isn't luck. It's planning.
Most advisors don't touch this. Most CPAs don't either. It falls through the cracks between the people who are supposed to be helping you.
WHO WE ARE
Middlebrook Wealth works with Virginia families who have been doing everything right and want to make sure they don't undo it with one bad decision at the finish line.
Our team includes CFP and CEPA certified advisors who coordinate your financial plan, your CPA, and your attorney together. Not in silos. One team that makes sure nothing falls through the cracks.
Healthcare planning has been the number one driver of new clients for this firm for three years running. Not because we do something exotic. Because most people have never had anyone walk them through the math.
We can't help everyone. If you want to manage every detail yourself, we're not your firm. But if you want a team that runs the numbers on COBRA vs. ACA, shows you where subsidies may apply, and builds a retirement income plan designed around keeping your healthcare costs as low as possible, that's what we do.
OUR STRATEGY
A Plan That Covers Every Corner of Your Financial Life
Retirement is not a finish line. It is a transition into the life you have been building. At Middlebrook Wealth, we build a comprehensive strategy around your income, healthcare, taxes, and investments, that is coordinated, not managed in silos. We look at the full picture to determine when you can retire, how to make your money last, and identify roadblocks. No two retirements look the same, so every plan we build is specific to you, and built to evolve as your life does.
Income Strategies
It's not just about what you've saved. It's about drawing from the right sources, in the right order, to minimize taxes and protect your assets long term.
Healthcare Bridge Planning
Retiring before 65 means bridging the gap to Medicare. We map your coverage options and build the cost into your plan.
Tax Location Optimization
It's not about paying the lowest taxes this year. It's about paying the lowest taxes over your lifetime.
OUR PROCESS
Planning your financial journey starts here.
Step One
We listen.
We start with an in-depth conversation to understand your income, your accounts, your timeline, and what retirement looks like for you.
Step Two
We plan.
We build a customized retirement strategy around your tax situation, healthcare costs, and investments. We design a plan to close the gap between where you are now and when you're ready to retire.
Step Three
We manage.
We put the plan in motion and actively monitor progress, adjusting your strategy as tax laws change and you approach retirement.
Ready to get started?
Reach out to our team today.
OUR INSIGHTS
Learn more about Financial & Retirement Planning.
CONTACT US
Get clarity on your Retirement Plan.
Your retirement plan is about more than hitting an arbitrary number. It should reflect the life you want to live and make sure your finances are ready to support it.