Andrew L Guzzo - Independent Agent/Financial Specialist

11/23/2025

AEP is just about coming to end. Keep in mind Open Enrollment Period or OEP is from January 1st - March 31st. This is an opportunity to make 1 change if you feel that you may not have made the best decision during AEP.

10/06/2025

Since GoFundMe isn't a real plan for retirement, why choose a Traditional IRA versus a Roth IRA?

Both offer tax free growth while the money is in held if your IRA.

Traditional IRA is pre-taxed contributions. Simply put, when you start taking distributions, you pay taxes on that money then.

Roth IRA is after tax contributions. In this case since the money you contributed was already taxed, you will not pay taxes on those distributions later.

For 2025 your contribution limits are $7,000 and $8,000 for over 50 years of age. For 2026 your contribution limits will be $7500 and $8600 for over 50 years of age.

All of this money must remain in your IRA until 59 1/2 or you will have a 10% early withdraw penalty.

What if I told you that you can contribute more, access your money whenever you want for asset purchases, purchases for a business, or anything you want, would this interest you?

What if I told you can receive tax free distributions at retirement, would this interest you?

Last but not least, what if you also had a built-in death benefit so that your family didn't have to worry...

Did I forget to mention that you can't lose any money like you can in the most common workplace IRA's offered?

If you're curious to know and learn more, give me a call!

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10/02/2025

Well, we finally made it... AEP starts on October 15th! However now that October 1st has past you can now start looking into and discussing 2026 plan changes. If you or anyone you know needs assistance with 2026 Medicare enrollment or has questions, please don't hesitate to let me know!

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09/27/2025

Who can tell me when Medicare's Annual Enrollment Period (AEP) begins?

A. October 1st
B. January 1st
C. October 15th
D. You're not sure

If you chose A, B, or D then you should probably give me a call! If you were told A or B than you've been lied too and should give me a call!

09/27/2025

What are 3 things you work life insurance policy is unable to cover?

1. More than 1 year of your salary
2. Your Mortgage
3. Unexpected expenses

09/24/2025

One of the most common questions I get asked is regarding dental benefits for Medicare beneficiaries. First thing to keep in mind is dental insurance has been the same since 1954 when it was first introduced.

You have a pot of money (aka benefits) of which is primary used for Basic and Comprehensive dental work, as preventative care is already covered. One you run out of money than your cost share goes up substantially.

Do you know what your plan offers? Do you know what other plans offer? I make it easy by comparing all plans in your area so that you can make the most informed decision that is best for you!

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09/23/2025

This is what happens when you find out you can have a tax-free retirement stream while protecting the people that mean the most to you! If you want to know how just let me know!

09/22/2025

Common Pitfalls when it comes to Life Insurance:

1. Not having life insurance
2. Not having your current policy reviewed by a licensed professional to see if your goals are being me.

Whether it's for final expenses, estate planning, transfer of wealth, or providing a gift, let's talk and see if your goals are being met.

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09/22/2025

Medicare Annual Enrollment Period is right around the corner. The 3 biggest mistakes folks make are:

1. Not reviewing plan changes each year.
2. Not having a licensed professional review your current plan along with upcoming plan changes to ensure you understand the impact this can mean for you.
3. Not seeing what other options are available to you in your area.

Whether you are a current client of mine or are curious to see what else may be available to you, give me a call.... Let's talk

Call now to connect with business.

07/19/2025

If you or anyone you know is thinking about retiring, or has just retired... There is always a lingering question, "now what do I do?"

If this is a situation you or anyone you know is faced with, give me a call or sent me a message so we can discuss any potential questions or concerns you might have.

You worked so hard for this moment. You have earned it!

Let's work together so that all of your future goals are met and can relax knowing you have peace of mind.

Call now to connect with business.

07/19/2025

When considering if Life Insurance is right for you, first ask yourself what your goals are with taking out a life insurance policy. If you've previously worked with an agent who advised, you need either Term or Whole life only, may have provided you with potentially inaccurate information.

There are other available options and some or more advantageous than others and can save you hundreds or even thousands in premiums when you work with someone who not only put you first, but prioritizes your goals.

If you or anyone you know would like to review any existing polices feel free to reach out. If you have questions or are interested in learning more because you have been thinking about taking out a Life Insurance policy please don't hesitate to let me know.

Call now to connect with business.