protect and preserve


Our Services

Knowing the needs of our clients and protecting their interests is fundamental to who we are. For over a decade we have based the growth and expansion of our company on making sure the clients we have always have access to us and accountability from us.


Medicare is a federal health insurance program that pays for a variety of health care expenses. It’s administered by the Centers for Medicare & Medicaid Services (CMS), a division of the U.S. Department of Health & Human Services (HHS). Medicare beneficiaries are typically senior citizens aged 65 and older. Adults with certain approved medical conditions (such as Lou Gehrig’s desease) or qualifying permanent disabilities may also be eligible for Medicare benefits.

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Wealth Preservation Associates assists the client in obtaining private insurance company Medicare offerings including Medicare Supplements, Medicare Advantage, and Part D Drug plans

Under Health 65 Insurance

To protect from the calamity of catastrophic medical situations that have been singled out as the number one reason for personal bankruptcy in the United States.

Wealth Preservation Associates assists the client in obtaining private insurance company major medical insurance including Obamacare, Individual Insurance, Short Term coverage, Group Insurance, Accident, Hospital Indemnity, Dental, and Vision.

Life Insurance

To protect beneficiaries from the devastation caused by the death of the family leader. Whether that is the traditional family, or a business entity there can be insurmountable financial problems caused by that unexpected loss.

Wealth Preservation Associates assists the client with a multitude of Life Insurance services geared at helping our clients protect those who depend on them for income, for support, and for family continuity. As independent insurance representatives we will find the right solution for our clients. Whether it is an economical Term policy to cover a home mortgage or a business loan, or a Universal Life Policy to provide funds in the event of an untimely death. or an Indexed Life Policy meant to both protect the beneficiaries in the event of that unexpected death, and provide cash values to be used during the life of the policy owner.


To mitigate the risk of investing for the long term, using a safe yet competitive investment strategy. Annuities provide an excellent vehicle for seniors who want to continue to grow their wealth, but can not afford to start over again in the event of a market downturn. Fixed Annuities and Fixed Index Annuities offer excellent benefits for beneficiaries, and provide options for long term care, and multi generational distributions. Annuities can also play an important role in a middle aged individuals diversification strategy.

As Warren Buffet once said “A good investment is one that does not lose money”.

Wealth Preservation Associates assists the client obtain Annuity products to meet an array of needs including: Lifetime Income, Penalty Free Withdrawals, Bonus payouts, Period Certain Payouts, Guaranteed Death Benefit, Probate Avoidance and many other investment options.

Core Values

Wealth Preservation Associates embodies the concept that we exist to help our clients protect and preserve the wealth they are building or have built over their lifetime. To that end we can only reach our objectives if we stay true to our Core Values


No value is more critical to achievement of our objectives. Our clients must trust us implicitly. They must know that any decision is made in their best interest, and any private and confidential information they provide to us will be held sacred and maintained to the highest degree of confidentiality.


Knowing the needs of our clients and protecting their interests is fundamental to who we are. For over a decade we have based the growth and expansion of our company on making sure the clients we have always have access to us and accountability from us.


There is no added value to a relationship that is transactional. In fact a transactional relationship is more easily achieved on line or over the phone. When the client encounters difficulty or stress or confusion is when our job begins. We are here to support and advocate for our clients when the need arises.


We are in a service business. We offer products that have obvious and clear features. They also come with a myriad of options. Our client looks to us for expertise and advice every step of the way. We are here to provide that guidance and make those recommendations that help our client reach their goals.

We are successful...

Only when we dedicate ourselves to our core values with each and every client.

About US

Wealth Preservation Associates is a concept as much as it is a company. Our vision is client wealth preservation, perpetuated through the generations by employing the safety and protection of insurance based solutions. I began Wealth Preservation Associates in 2008 to serve a client base that includes growing families that have barely begun the financial planning process needed to protect their family and prepare for the retirement road ahead.

I also work with folks in the middle of their careers who often times feel like they have years to get started with their wealth creation, preservation and distribution plan when in reality they are years behind in the quest to retire comfortably. I also support the retired and about to retire. 

These clients are very important to me because not only are they in my generation they are the group most seriously affected by a lack of planning. Often times they do have the assets to create a comfortable retirement, but often they do not have the plan. It is when I help these clients that I get the most satisfaction.

Frequently Asked Questions

Life Insurance is most economical when a person is young and healthy. The cost is based on age and health status so it makes sense to purchase when have a beneficiary that would need some financial security if a catastrophic event happens

This is a complex answer – Term is the least expensive, but when the term is over the insurance is gone. Universal is a hybrid with some elements of Term and Permanent insurance combined in one product.  Whole (Permanent) insurance offers a stable premium and guarantees to pay upon death.

The types of life insurance defined above are the basic building blocks of life insurance. From these basic types of insurance there are variations such as final expense policies, guaranteed issue policies, renewable term policies, first to die policies, indexed policies, and other forms of coverage.

The simple answer is No! Obamacare is traditional health insurance with a premium subsidy that will help pay monthly premiums. The premium discount is based on income. If the insured income exceeds the published maximum then the full premium is paid.

There are two Obamacare loopholes that can severely impact low or moderate income individuals. First is income below the level to get a premium subsidy. It doesn’t seem to make sense that you can earn too
little income, but the government position is folks below a certain income level should be eligible for Medicaid. The issue is each State has their own rules for Medicaid, and quite often the level of income is not the only criteria. If a beneficiary does not meet all the criteria for a certain State they may not be eligible for Medicaid, and might also make too little to receive a premium tax credit.

It is the employer group coverage loophole, better known as the family coverage gap. There is a formula that states if a group plan monthly cost exceeds 10% of the individuals income they can opt out and apply for an Obamacare premium subsidy. The problem is the formula applies only to the employee, not their family cost. In most cases employers will charge employees a discounted rate and charge their families full premium. The family cost can not be used to calculate the 10% level.

Another complex analysis. There are reasons why beneficiaries might want to have a Medicare Supplement. If they are snow birds, or they want flexibility to see any doctor who accepts Medicare then the Medicare Supplement may be the right option. If the beneficiary wants to have less monthly cost and can deal with a network of doctors then the Medicare Advantage may work better.

There are some exceptions to the general rule, but traditionally a beneficiary can apply for Medicare 3 months before their 65th birthday, the month of their birthday, and up to 3 months after their 65th birthday. Medicare takes effect on the 1st day of the month when the beneficiary turns 65. If a beneficiary is born on the 1st of the month the coverage starts on the 1st day of the month prior to the birth month.

Generally, Medicare is available for people age 65 or older, younger people with permanent disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance). You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. Part B has a monthly premium that is paid from your social security benefit or if you are not receiving social security it is billed quarterly to the beneficiary.

Annuity is an insurance product that is defined as a contract between the insured and the insurer. The insured deposits a lump sum of money that the insurer promises to pay back with interest over an agreed upon period of time. This is the simple definition and today’s retirement annuities live up to that definition with a myriad of options as to how the money is paid out and how it grows with interest.

No. There are a large number of options that insurers offer. There are simple income annuities that begin paying immediately after inception. There are deferred annuities that are held for a period of time gaining interest to be paid out at a later date, There are annuities not planned for income distribution, and are solely safe alternatives to market volatility.

All of the FAQs offer basic answers to often times complex scenarios. For more information and answers to these questions and other questions call us at (407) 593 2243 or email us at

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