Medicare & Social Security
Done Right. Done Together.
Turning 65 is one of the biggest financial transitions of your life. Rodney Cummings, RSSA®, helps you navigate Medicare coverage and Social Security timing — so you get the right plan, at the right time, without leaving money on the table.
RSSA® Certified
One of only a few thousand advisors nationwide certified in Social Security optimization strategy.
Licensed in 25 States
Serve clients across the country, not just Oregon. OR License #18847712.
50+ Carrier Relationships
No quotas. No bias. I compare plans across the full market to find your best fit.
No Pressure, Ever
I get paid by the carrier when you enroll — there's no cost to you for my guidance.
Every Medicare & Social Security
Decision, Covered.
Medicare Advantage Plans
All-in-one plans that bundle hospital, medical, and often drug coverage. We compare every plan available in your county across all carriers.
Learn more →Medicare Supplements (Medigap)
Fill the gaps Medicare leaves behind. Supplements give you predictable costs and the freedom to see any Medicare-accepting doctor nationwide.
Learn more →Part D Drug Plans
Find the plan that covers your specific medications at the lowest total cost — we do the formulary comparison for you.
Learn more →Dental, Vision & Ancillary
Stand-alone dental, vision, hearing, and hospital indemnity plans to round out your coverage where Medicare falls short.
Learn more →Social Security Analysis (RSSA®)
Claiming Social Security at the wrong time can cost $50,000–$150,000 over your lifetime. Our RSSA® analysis finds your optimal strategy.
Learn more →Annual Plan Reviews
Medicare plans change every year. We review your coverage each fall during AEP to make sure you're still in the best plan for your needs.
Learn more →Three Steps to the Right Plan
Talk with Rodney
Book a free 30-minute call. We'll review your situation — your doctors, prescriptions, travel habits, and budget. No forms to fill out beforehand.
Get a Personalized Plan
I compare every plan available in your county, explain the tradeoffs in plain English, and give you a clear recommendation with no pressure.
Get Enrolled — Stress-Free
When you're ready, I handle the enrollment paperwork. Your new coverage starts on the right date, and I'm your advocate going forward.
What a Good Medicare Review Actually Does
$180/month in savings
Names changed for privacy.
A retired teacher in Portland was paying $340/month for a Medicare Supplement she no longer needed. After reviewing her health history and doctors, she moved to a plan that cut her costs by $180/month and added dental and vision.
$83,000 more in lifetime benefits
Names changed for privacy.
A couple in Bend discovered that by waiting 14 months to claim Social Security, they'd receive an estimated $83,000 more over their combined lifetime — a conversation that took 30 minutes.
Zero coverage gap
Names changed for privacy.
A client in Eugene was losing employer coverage at 64½. We identified a bridge plan to cover her until Medicare started, then enrolled her in an Advantage plan with her preferred specialists already in-network.
Already have Medicare sorted?
Have You Thought About When to Take Social Security — or What Your Retirement Income Will Look Like?
Medicare is just the beginning. Many clients discover that once their coverage is in place, the next most important decision is when to claim Social Security — and how to make sure their retirement income lasts as long as they do.
Explore Retirement & Legacy Planning →
Ready to Get Your Medicare
Sorted — for Good?
A 30-minute conversation is all it takes to find the right plan, answer every question, and give you a clear path forward. No cost, no obligation, no pressure.
Rodney Cummings, RSSA® · OR License #18847712 · Licensed in 25 States · Independent — not captive to any carrier
Legacy Wealth Services is not affiliated with or endorsed by Medicare, the Social Security Administration, or the federal government. We are an independent insurance agency. Plan availability, costs, and coverage vary by location and are subject to change. Information presented is for educational purposes only. Please consult Rodney for personalized guidance. OR License #18847712.