Retirement Doesn't Come With Instructions.
But it can be built with intention. I help individuals and families bring the pieces together, from Medicare and retirement decisions to caregiving and planning for what comes next.
Find My Starting Point ↓
Hi, I’m Michelle.
I help individuals and families make sense of Medicare, retirement decisions and the realities of caring for aging loved ones.
For more than 35 years, I’ve been an entrepreneur, business owner and project management consultant. I’ve built and operated several businesses, managed complicated projects and helped people work through decisions where the details matter. Each chapter of my career prepared me for the work I do today: bringing complicated information together, asking the questions others overlook and helping people build a clear plan forward.
Outside of my professional work, I’ve been a beekeeper for more than 20 years and a mushroom hunter for 17. Both have taught me to pay attention, understand how systems work and recognize that what is happening beneath the surface often matters most.
Today, I bring all of that experience together to help you understand how Medicare, retirement and caregiving decisions affect one another, so you can protect what you’ve spent a lifetime building.
What do you need help with today?
Choose the situation that sounds most like yours. I’ll point you toward the information and next step that fits.
I’m New to Medicare
Understand when to enroll, what Medicare may cost, and how to choose coverage.
Start Here →I Already Have Medicare
Review your doctors, prescriptions, costs, and benefits you may be missing.
Review My Medicare →I’m Still Working Past 65
Find out whether you can delay Medicare and avoid enrollment mistakes.
Understand My Options →I’m Helping a Parent or Loved One
Organize what is happening and identify the next steps your family should take.
Help Me Get Started →Where Do You Need Help Right Now?
Start with what best describes your situation. I’ll help you figure out what may have changed, what benefits or assistance may be available, and what you should look at next.
Support that feels calm, clear and human
During stressful seasons of life, having someone help simplify the process can make all the difference.
Working with Michelle was a fantastic experience. She possesses deep expertise across Medicare and overall health insurance. While we originally met to review and improve my father’s Medicare setup, she also stepped in to guide me through navigating health coverage after a recent job layoff. She created a tailored, cost-effective plan for my family for the upcoming year, giving us peace of mind. I can’t recommend her enough!
Are You Saving Everything You Can on Your Property Taxes?
Turning 65 may qualify you for a property-tax freeze, ceiling, exemption, refund or deferral—but most programs are not automatic. You have to know the benefit exists and apply.
If I Move, How Could My Medicare and Retirement Options Change?
Medicare is not the same everywhere. Provider networks, Medigap rules, prescription drug options, taxes, healthcare access, and long-term planning can all change from state to state.
Compare States
Already have states in mind? Start by comparing them side by side.
Not sure which states to compare?
Take the Retirement Decision Assessment™ to discover which states best match your healthcare, Medicare, financial, and lifestyle priorities.
Tools that make the mess easier to manage.
When life gets complicated, you need more than information. You need a way to organize the facts, questions, phone calls, appointments and next steps.
In-Between Season Workbook
A practical workbook for organizing care, decisions and family responsibilities.
Get the workbook →Medicare Roadmap
Age-based planning checkpoints for Medicare, retirement and aging well.
Explore the roadmap →Family Command Center™
Keep family information organized and easier to update when life changes.
Learn about the app →Glossary & Terms
Plain-English explanations for Medicare, caregiving and insurance terms.
Read the glossary →