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Great Lakes Insurance & Financial Services Agency

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Caledonia, MI
Great Lakes Insurance & Financial Services Agency

Health Insurance, Medicare, Employee Benefits, Social Security Planning, Life insurance. We create recommendations based on your situation and budget.

Honest experts who truly care! 3205 68th St SE, Caledonia MI 49316 Ph 616-656-5555
2nd location: 14561 Kellogg School Rd, Hickory Corners, MI 49060 Ph 269-623-4583 Group Employee Benefits, Marketplace & Medicare Health Insurance, Life Insurance & Financial Services. We educate our clients to make informed choices and service your policy needs. We are Independent Agents for most carriers. Call us to learn more! We would love to talk to you! Ph 616-656-5555, Text 616-606-5608

09/03/2026

Jeanine Kinzie is proud to be a contributor to the Stories We Carry. Last year, she kept her journey of healing from Breast Cancer private as she navigated the ins and outs of our medical system. Having learned a lot about the process, decisions, healing, the emotions, growing faith and the practice of medicine, she volunteered to share in this collection of stories that will benefit caretakers and those in the cancer journey with timely advice and tips to soften the edges of a medical crisis.

We have purchased 15 copies to give to our clients. Please reach out to us if you are interested in a copy.
The book and journal are available on Amazon: https://www.amazon.com/dp/B0HG5GKQKH

09/02/2026

📬 Keep an eye on your mailbox this September! If you have a Medicare Advantage or Part D prescription drug plan, you should be receiving your Annual Notice of Change (ANOC) letter by September 30th. This letter explains what's changing with your plan starting January 1st — things like your premium, deductible, drug coverage, which doctors or pharmacies are in network, and how benefit coverage is changing.

It's easy to set this letter aside, but taking a few minutes to read through it can save you from surprises come the new year. And if something in your ANOC catches your attention, remember that Medicare's Annual Enrollment Period runs from October 15th through December 7th, giving you time to compare plans and make a change if you need to.

If you have questions about what your ANOC means for you, we're always happy to help walk through it with us and discuss plan options starting October 1. Send us a message or give us a call!

08/27/2026

“Wait… what do insurance brokers actually do?”

We get this question more than you’d think—and honestly, it’s a fair one! Let's face it: Health insurance is complicated, and that’s where we come in.

As licensed brokers, we help you:

✔️ Understand your needs and recommend the right plan
✔️ Compare carriers and find the best value
✔️ Make enrollment easy (really!)
✔️ Get support year-round—billing questions, claims, you name it
✔️ Review your coverage each year to keep it up to date

Oh—and most of the time, there’s no extra cost to you.

So if you've ever had a question about your health insurance and didn’t know who to ask… ask us. That’s what we’re here for.

08/25/2026

How Much Do I Need to Retire?

Retirement might be decades away—or right around the corner. Either way, knowing your number is key to making your dream retirement a reality.

Here’s how to figure it out:

1. Know Your Annual Spending Needs
Housing, food, travel, healthcare, fun—it all adds up. Most people aim to replace 70–80% of their pre-retirement income.

💡 Make $100K a year? Plan for $70K–$80K annually in retirement.

2. Plan for Longevity
Retire at 65 and live to 90? That’s 25 years of retirement spending. Early retirement? Add more years (and dollars).

3. Do the Math
Need $80K/year × 30 years = $2.4 million (rough estimate, before inflation).

4. Account for Inflation
Costs rise over time. Assume 2–3% yearly inflation—especially for healthcare.

5. Factor in Income Sources
Social Security, pensions, annuities, rental income, side work—subtract this from what your savings need to cover.

6. Talk to an Expert
A financial advisor can help fine-tune your plan with realistic assumptions for returns, taxes, inflation, and longevity risk.

7. Retiring Before 65? Budget for Healthcare
Medicare starts at 65. If you retire early, expect to pay $10,000–$20,000/year out-of-pocket for insurance and medical costs. That’s $50K–$200K+ you may need just for healthcare if retiring before 65.

✅ Bottom line: Planning for retirement is one of the most important financial decisions you'll ever make. If you want help from an independent, expert financial advisor—we're here for you!

📩 Message us to schedule a no-pressure chat about your retirement goals.

08/21/2026

Still using the same info from when you enrolled in your ACA plan?

That could cost you.💰

If you have an ACA Marketplace plan, updating your income and household info isn’t just a formality. It can impact what you pay every month and at tax time.

✔ Got a raise? You could owe money back later if it’s not updated
✔ Income dropped? You might qualify for more savings
✔ New baby, marriage, or move? Your healthcare options may need to change, and you could qualify for a special enrollment period

Keeping your ACA Marketplace information up to date is important. It helps you avoid surprises and make sure you’re getting the right coverage at the right price.

Have questions on what needs to be updated or how to update your Marketplace profile? We are here to help!

08/19/2026

Are your employees truly getting the most out of their benefits?

Health Savings Accounts (HSAs) are one of the most valuable tools available, but they’re often misunderstood or underutilized. With triple tax advantages, rollover funds, and long-term savings potential, HSAs can play a key role in both healthcare and financial planning.

❗The challenge? Many employees aren’t sure how to use them.

Employers can make a big impact by:
✔ Simplifying how HSAs work
✔ Explaining how to enroll and contribute
✔ Showing real examples of how funds can be used (now or later)

Whether it’s paying for current expenses or saving for future healthcare needs, HSAs offer flexibility that few benefits can match.

Education is the key to unlocking their full value. Helping employees unlock the power of HSAs not only supports their overall wellbeing, it also reinforces the value of your benefits package.

08/17/2026

Did you know Medicare handles skin cancer differently than other screenings? Skin cancer is the most common cancer in the U.S., and the risk grows with age. But unlike mammograms or colonoscopies, Medicare generally doesn't cover routine skin cancer screenings if you have no symptoms.

The good news is that Medicare DOES cover the visit (and biopsy and treatment, if applicable) if you notice a change that warrants checking, like a new growth, a mole that's changing, or a sore that won't heal. That makes early detection something you can take into your own hands. Check your skin regularly, watch for the ABCDE warning signs (asymmetry, border, color, diameter, and evolving). And for heaven's sake, don't skip sun protection this summer!

👩‍⚕️ Notice something new or changing? Tell your doctor promptly.

Questions about your Medicare coverage? Reach out anytime and we'll help.

08/13/2026

Our office will be closed Friday, August 14th. We're getting a new roof put on and updating our security system!

08/13/2026

Help Your Employees Avoid the Most Common Enrollment Mistakes

Most employees spend less than 30 minutes choosing their health insurance each year.

That decision affects their health and finances for the next 12 months.

Here's what tends to go wrong, and what employers can do about it:

1) Employees pick the lowest premium without looking at the deductible or out-of-pocket maximum.

2) They assume their doctors are in-network.

3) They don't check if their prescriptions are covered.

4) They have no idea an insurance advocate exists to help them.

None of this is their fault. Most employees just don't have the information they need to make a good decision.

That's where employers can make a real difference… Not by choosing for them, but by giving them the tools to choose well.

💡Show them a side-by-side plan comparison of plan options.
💡Walk them through a worst-case cost scenario for each plan type.
💡Tell them how to look up their doctors and their prescriptions before they enroll.
💡Make sure they know your broker or benefits team is available to help, not just during open enrollment, but all year long.

Employees who understand their benefits use them better, stress less, and trust their employer more.

Health benefit selection is a communications opportunity. We can help you use that opportunity well.

08/12/2026

🫐 Mixed Berry Crisp

Late summer brings an abundance of juicy blueberries, blackberries, and raspberries, making this simple dessert the perfect way to celebrate summer's harvest.

For the Filling:

2 cups (each) fresh blueberries, blackberries, raspberries
2 peaches, peeled and sliced (optional)
⅓ cup granulated sugar
2 tablespoons cornstarch
1 tablespoon fresh lemon juice
1 teaspoon vanilla extract
½ teaspoon cinnamon

For the Crumble Topping:

1 cup old-fashioned rolled oats
1 cup all-purpose flour
¾ cup packed brown sugar
½ teaspoon cinnamon
¼ teaspoon salt
½ cup cold butter, cut into cubes

Directions

1) Preheat the oven to 350°F and lightly grease a 9x13-inch baking dish.

2) In a large bowl, gently combine the berries, peaches (if using), sugar, cornstarch, lemon juice, vanilla, and cinnamon. Pour the mixture into the prepared baking dish.

3) In another bowl, combine the oats, flour, brown sugar, cinnamon, and salt. Cut in the cold butter with a pastry cutter or your fingertips until the mixture resembles coarse crumbs.
Sprinkle the crumble evenly over the fruit.

4) Bake for 40 to 45 minutes, or until the topping is golden brown and the berry filling is bubbling around the edges.

Serve warm with a generous scoop of vanilla ice cream or a dollop of freshly whipped cream.

Address

3205 68th Street SE
Caledonia, MI
49316

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+16166565555

Website

http://www.glibrokers.com/, https://www.mrla.org/allied.html, https://www.sbaloanlifeins.com/, https://rssa.com/analyst/

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