Welcome to Legacy Wealth Services — Your Retirement Deserves a Complete Picture

Welcome to Legacy Wealth Services — Your Retirement Deserves a Complete Picture

A personal note from Rodney | June 2026

I want to start with a simple thank you.

Whether you found us through a referral, a Google search, or happened across one of our articles — I’m genuinely glad you’re here. You’ve trusted us with your email address, and I don’t take that lightly.

My name is Rodney, and I founded Legacy Wealth Services because I kept seeing the same problem play out with families across Oregon: they’d work with one professional for Medicare, a different one for life insurance, someone else for retirement income, and nobody was talking to each other. The result? Gaps, redundancies, and money left on the table — sometimes tens of thousands of dollars.

That’s why everything we do at Legacy Wealth Services is integrated. Medicare. Life insurance. Social Security strategy. Business benefits. Estate planning. It all belongs in the same conversation, because your retirement is one life — not a collection of separate policies.

That’s what this newsletter is about. Every issue, I’ll share something genuinely useful — a tip, a strategy, a story — that helps you see the full picture.

🏥 Medicare Tip for 2026: It’s Time to Audit Your Advantage Plan

If you’re currently enrolled in a Medicare Advantage plan, here’s the most important thing I can tell you right now:

The extra benefits that attracted you to your plan may no longer be what you signed up for.

Over the past two enrollment cycles, carriers nationwide have quietly reduced or restructured the “extra” benefits that made Medicare Advantage so appealing — dental allowances, vision credits, over-the-counter (OTC) cards, transportation, and fitness memberships. What looked like $2,400/year in extra value in 2023 may now be $600 — or gone entirely.

At the same time, Original Medicare + a Medigap Supplement is looking more competitive than it has in years, especially for anyone who:

  • Has seen a specialist more than twice in the past year
  • Takes more than three maintenance medications
  • Is approaching a major procedure or surgery
  • Has a preferred doctor or hospital that’s gone out-of-network

What you should do before October 15th (Annual Enrollment Period):

  1. Pull out your current plan’s Summary of Benefits and compare it to what you received when you first enrolled.
  2. Check whether your primary doctors and specialists are still in-network.
  3. Review your Part D drug coverage — the new $2,000 out-of-pocket cap (effective 2025) changed the math on how Advantage drug plans stack up against standalone Part D.

Not sure how to compare? That’s exactly what we do — at no cost to you. A 30-minute call with our team can tell you whether you’re in the right plan, or whether a change this fall would save you money and improve your coverage.

Schedule a complimentary Medicare review →

📊 Are You Claiming Social Security at the Right Time?

If you’re between 61 and 70, this section is for you.

The decision of when to begin taking Social Security benefits is one of the most consequential financial choices you’ll ever make — and most people get it wrong. Not because they’re careless, but because the rules are genuinely complex, and the “conventional wisdom” (claim at 62 to get your money sooner) often costs families $85,000 to $150,000 or more over the course of retirement.

We offer a complimentary RSSA (Registered Social Security Analyst) consultation for clients age 61 and older. In a single session, we’ll:

  • Model your optimal claiming age based on your health, marital status, and income needs
  • Show you spousal and survivor benefit strategies most advisors never mention
  • Calculate the breakeven point between claiming early vs. waiting
  • Identify whether a “file and suspend” or restricted application strategy applies to your situation

This analysis alone has helped our clients capture an average of $74,000 in additional lifetime benefits they would otherwise have left unclaimed.

This offer is available at no charge for new clients this month.

Request your Social Security analysis →

💛 A Story Worth Telling: How One Conversation Changed Everything for the Hendersons

Names changed for privacy.

Jim Henderson walked into our office two years ago for a straightforward reason: he was turning 65 in three months and needed to figure out Medicare.

His wife, Carol, came along “just to listen.”

We spent the first 30 minutes on Medicare — reviewed his options, compared an Advantage plan to a Medigap Supplement G given his preference for keeping his longtime cardiologist, and got him enrolled in a plan that would save him roughly $1,800/year compared to what he’d originally been looking at.

Then, almost as an aside, Carol mentioned she was planning to start her Social Security benefits at 62.

I asked a few questions.

It turned out Carol had a strong earnings record — nearly as strong as Jim’s — and was in excellent health. Jim was two years older. With a simple strategy shift — Carol waiting until 67 and Jim optimizing his own claiming date — we modeled an additional $91,000 in lifetime benefits for their household.

Carol didn’t claim at 62.

Then Jim mentioned something his father had left him years ago: a $500,000 life insurance policy he’d been paying premiums on for 12 years. He didn’t need the death benefit — his kids were grown and the mortgage was paid. He’d assumed he’d just let it lapse.

We introduced him to a life settlement option. He sold the policy for $47,000 in cash — money that would have otherwise evaporated.

That cash, combined with their restructured Social Security strategy, funded the premium payments on a Fixed Index Annuity that now guarantees Jim and Carol a combined income stream they cannot outlive.

All of it started with Medicare.

One conversation. One meeting. A completely different retirement.

This is why we built Legacy Wealth Services the way we did — because your financial life isn’t a series of separate products. It’s one story, and it deserves to be told all the way through.

What’s Coming in the Next Issue

  • FIA vs. Variable Annuity: Which one actually protects you in a down market?
  • The business owner’s secret weapon: FICA Contribution Reduction (and why most CPAs don’t bring it up)
  • Estate planning basics: Why a will alone isn’t enough — and what to have instead

One More Thing

If someone in your life is approaching 65, navigating retirement, or simply feels like their financial pieces don’t quite fit together — please share this newsletter with them. A referral to someone you trust is the highest compliment we receive, and we’ll treat everyone you send our way with the same care we give you.

As always, I’m just an email away.

— Rodney
Founder, Legacy Wealth Services
📧 rodney@legacywealthservices.com
🌐 legacy-wealth-services.bywillo.ai

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