Shelby Herrera, ASB Financial-Insurance Agent

01/11/2026

Medicare is a great foundation for healthcare in retirement, but it doesn’t cover everything.

Some common gaps people are often surprised by include:

Prescription drug costs

Dental, vision, and hearing care

Long-term care services

Out-of-pocket costs like deductibles and copays

Everyone’s situation is different, so it’s important to understand how your coverage works for you.

If you’d like a simple, no-obligation review of your Medicare coverage, I’m happy to help. Feel free to message me for more information.

01/08/2026

Retirement planning isn’t just one thing—it often comes down to two important pieces.

Income planning is about setting up your money to help support your lifestyle in retirement, from monthly expenses to the things you enjoy.
Protection planning focuses on helping protect what you’ve worked hard to build, including planning for things like market ups and downs, healthcare costs, and the unexpected.

Here along the Gulf Coast, retirement is about enjoying life at a slower pace. A thoughtful retirement approach looks at both income and protection working together.

If you’d like a second set of eyes on your current retirement strategy, I offer a complimentary, no-obligation review. It’s simply a conversation to help you better understand where you stand. Feel free to message me if you’d like to learn more.

01/07/2026

When I moved to Pensacola in 2022, I had no idea I’d end up loving this work as much as I do.

Being new to the area, I spent a lot of time getting to know locals and retirees—quickly realizing I have a real knack for explaining retirement and Medicare topics in a way that actually makes sense (without all the confusing jargon).

Pensacola has a way of making you slow down and enjoy life a little more—whether that’s a walk by the water or passing spots like Graffiti Bridge that remind you how much personality this city has. I love serving retirees here because this community is full of people who’ve worked hard their whole lives and just want to enjoy what’s next with confidence and peace of mind.

If you’re nearing retirement or already there and have questions, I’m always happy to help—feel free to reach out or follow along here for helpful, no-pressure education.

01/05/2026

Vintage humans, this is one of those “please don’t scroll past this” moments.

I’m sharing this article because it highlights something I see all the time:
👉 retirement healthcare costs are rising faster than most people expect — and they don’t politely wait for permission before showing up.

What often surprises vintage humans isn’t that healthcare costs exist…
It’s how long they last, how unpredictable they are, and how quickly they can chip away at an otherwise solid retirement plan.

This isn’t about panic or fear.
It’s about awareness — because awareness gives you options.

As you read this, ask yourself:
• Would my current plan absorb these costs?
• Or would it force uncomfortable trade-offs later?

Clarity over confusion, always.

📖 Article: “Retirement Health Care Costs Are On the Rise: What You Need to Know”

Hashtags:

A 65-year-old retiree will face significantly higher lifetime health care costs than they would have a year ago, even with Medicare. Here are the surprising totals.

01/04/2026

01/03/2026

Fill in the blank 👇
“In retirement, I worry most about ______.”

There are no wrong answers — just honest ones.

Hashtags:

01/02/2026

Confused About Medicare? Get Answers & Lunch On Us.

Primary Text:
Turning 65 or helping a parent navigate Medicare? You're not alone. The alphabet soup of Parts A, B, C, D, and all those Supplement plans is enough to make anyone's head spin.

❌ Stop stressing over confusing packets and sales calls.
✅ Start with a relaxed, no-pressure conversation.

Join us for a complimentary Medicare 101 Lunch & Learn on Saturday, January 27th.

We'll cover:
✔️ The core parts of Medicare (A, B, C, D) in plain English.
✔️ Key deadlines & penalties you must know to avoid.
✔️ How to plan for healthcare costs so they don't derail your retirement.
✔️ Time for your specific questions.

You'll leave with clarity, a full stomach, and a simple guide—education only, no product information.

Spots are limited for this intimate session. Secure your seat today!

01/02/2026

New year. Clean slate. Same mission: protecting amazing vintage humans.

If you’ve worked hard, saved well, and lived some life, your retirement deserves more than crossed fingers and good luck.

What trips up even the smartest vintage humans isn’t effort — it’s surprises: healthcare costs, long-term care expenses, and legacy plans that don’t quite work the way they should.

This year, I’m here to help vintage humans in the Florida Panhandle protect what they’ve built — with clarity, calm conversations, and zero jargon.

Here’s to fewer “uh-oh” moments and a lot more peace of mind. 🥂
Save this post — future you will thank you.

Clarity over confusion. Always

12/03/2025

Last week of annual enrollment! Contact me ASAP for a review!

10/06/2025

CMS has released the 2026 Part D deductible and out-of-pocket max!

Part D deductible in 2026:
$615(2025 deductible is $590)
(Some plans may offer a lower deductible)

Part D maximum out-of-pocket in 2026:
$2,100 (2025 maximum part D out of pocket is $2000)

Call or text today for your free Medicare consult where I will identify coverage options that meet your needs and minimize your out of pocket costs for 2026.

(719) 371-0297

07/12/2025

Big news for retirees! 🎉 Starting in 2026, seniors may qualify for a NEW $6,000 tax deduction- but the rules can be tricky. Want to know if you're eligible and how to maximize this benefit? Let's talk tax strategy! 💡

A statement from the Social Security Administration applauding Trump's tax bill led to some confusion.