Your balance sheet has a team.
Your health coverage should too.
Flat-fee health, Medicare, life and disability advice for high-net-worth households — and for the family offices, RIAs, CPAs and estate counsel who would rather hand this to a specialist. Northeast based, licensed in all 50 states.
The one line item on the family balance sheet nobody owns.
You have a custodian, a tax team, an estate attorney and a P&C broker. Then a principal retires at 58, a founder exits, or a spouse ages into Medicare — and the question lands on your desk without a natural owner.
Why it rarely stays small
Coverage decisions in this bracket touch IRMAA surcharges, trust and entity structure, multi-state residency, international travel and continuity of specialist care.
A wrong turn is expensive and usually irreversible until the next enrollment window opens.
Ask us to review a client's coverageWe are the specialist you bring in
Not another relationship competing for the client. We work behind you, report to you, and stay in our lane.
The fee is flat, per household
Quoted before any work begins. The recommendation is never a function of what a carrier pays, because the fee does not move.
Commission never adds to your cost
If a recommended plan carries one, it stays with the agency and does not change the number you were quoted.
You get something in writing
A comparison your client can actually read, coordinated with the CPA, counsel and family office staff who need to see it.
Three areas, one point of contact.
Whether the call comes from a family office director or directly from a household, the engagement is the same.
Health Coverage
Individual and family major medical, priced against every legitimate alternative — including the option of changing nothing.
- Individual & Family Major Medical
- Self-Employed & Founder Coverage
- Early-Retiree Bridge to 65
- COBRA Alternatives & Special Enrollment
- Household Employee & Estate Staff Plans
Medicare & IRMAA
Real deadlines, permanent penalties, and an income surcharge that looks back two years at a liquidity event you have already forgotten about.
- Supplement & Advantage Plans
- Part D Prescription Plans
- IRMAA, Income Adjustment & Penalties
- Enrollment Timing & Late Penalties
- Retiree & Group Medicare
Protection & Continuity
The coverage that shows up in an estate plan, a buy-sell agreement, or a partnership document — evaluated against simply self-funding the same risk.
- Term, Permanent & Survivorship Life
- Disability Income for Owners & Partners
- Long-Term Care, Traditional & Hybrid
- International & Expatriate Medical
- Multi-State & Second-Residence Households
Four steps. Nothing outsourced to a call centre.
The same process whether you are an advisor calling on behalf of a principal, or a household reaching out directly.
Intake
We collect what the decision actually depends on: eligibility dates, the full prescription list, current coverage and provider relationships, and income levels where income-related adjustments apply. Sensitive documents move through encrypted channels only.
Report
A written comparison of every legitimate option — group versus non-group, Medicare, COBRA, supplemental medical and prescription coverage, international, student and short-term. Including, when it is the right answer, changing nothing.
Enrollment
We guide the household through enrollment and complete the filing on their behalf wherever carrier and exchange rules allow. Deadlines, documentation and special-enrollment proof are tracked by us, not by the client.
Service
The engagement does not end at the effective date. Claim disputes, network changes, a mid-year move, an IRMAA determination letter — we handle them for the full plan year and into renewal.
A flat fee per household. No obligation to buy anything.
Most insurance advice is free because the carrier that wins the business pays for it. That works fine for simple cases. It works poorly when the right answer is a plan that pays nothing, or no plan at all.
The year one fee covers full evaluation and enrollment. The renewal year is lower and covers ongoing service. If our fee schedule changes, your first renewal year is honoured at the rate you were originally quoted.
You do not need a family office to work with us.
A large share of this work comes from people who simply have a complicated year ahead. If any of these describe your situation, the engagement is the same one above.
Rooted in the Northeast. Licensed nationwide.
Our home territory runs from Boston and Worcester through Western Massachusetts, the Cape and the North and South Shores, down through Connecticut, New York City and all five boroughs, Long Island, New Jersey and Philadelphia, plus New Hampshire and Maine. That is where we know the carriers, the networks and the hospital systems by name.
Beyond it we serve clients in all 50 states — directly where we are licensed, and through trusted affiliates where local expertise matters. For a principal in Florida and a household in Massachusetts, multi-state coordination is routine work, not an exception.
AHIP-certified for Medicare
Recertified annually, which is what carriers require to place and service Medicare business.
Multi-state licensed, nationally appointed
Appointed with national carriers, with affiliates covering the states where local knowledge matters more than a licence.
NAHU-accredited and independent
Not owned by a carrier, so there is no house plan we are expected to place. More on our about page or in our free tools and calculators.
Let's look at it together.
Whether you are an advisor with a client question you would rather hand to a specialist, or a family sorting out the next chapter of coverage, the first conversation is free and carries no obligation. Tell us what is changing and we will tell you honestly whether we are the right help.