Welcome to my website. I have lived and worked in Central Virginia for over 30 years.  Most of this time I was a paralegal specializing in debt reorganization via bankruptcy. I have seen what crippling debt can do to an individual or family.  Often this debt was incurred as a result of circumstances beyond their control, like being under-insured for a medical calamity. It was especially concerning for those on a fixed income already stretched to their budget limits. My plan is to flip the script as my energy is directed toward helping people, namely seniors, avoid bankruptcy and have top quality healthcare coverage.

My objective is simple:  To identify and help minimize my clients’ exposure to risk. I accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of Medicare matters.

My approach is direct: To sit down with you and get to know what is most important to you regarding your heathcare coverage and from that point offer an insurance strategy best suited for your individual situation.

Why choose me?

Who you choose to advise you concerning your Medicare coverage makes a difference. Two key reasons to allow me to help you:  

• As an independent insurance agent, I do not work for one insurance company. I work for you.  So think of me as your own "personal insurance shopper." 
• Our relationship does not abruptly end after you have chosen your course for Medicare coverage.  I am available to you year-round for any questions you may have and provide expert advice when needed. 

I want you to have peace of mind concerning your Medicare health coverage.  It would be my privilege to guide and navigate these decisions with you. I look forward to the possibility of serving you!  Remember, my services are of NO COST TO YOU!