05/06/2026
Get to know TJ!
I have been an insurance agent for 8 years, and I specialize in Medicare planning and coordination, helping individuals, business owners, HR teams, and advisors navigate how Medicare fits with group coverage, retiree benefits, and long-term planning. I spend a lot of time guiding employees from employer health plans into Medicare the right way, without confusion or costly missteps.
I decided to get into insurance after helping clients as a financial advisor navigate IRMAA and going through my mom’s Medicare journey with her. I saw how confusing and high-stakes these decisions really are. That’s what led me to focus on bringing clarity to something people can’t afford to get wrong.
One of the most common mistakes I see clients make is waiting too long to make a decision, or assuming they can “figure it out later. With Medicare, timing is everything. Missing enrollment windows or choosing the wrong path early can limit your options down the road, sometimes permanently. I see people accidentally lock themselves out of better coverage simply because no one explained the consequences up front.
I wish every client knew that with Medicare, it’s not just what you choose—it’s when you choose it. Timing mistakes can follow you for years.
One moment in my career when I felt like I really made a difference for a client was when I worked with an employee coming off group coverage who assumed their insurance would just “roll into” Medicare. It doesn’t. We mapped out the transition, got the timing right, and made sure there were no gaps in coverage. The biggest win was avoiding a mistake they wouldn’t have realized until it was too late.
Reach out to TJ today for all your Medicare and Life Insurance needs!
443-841-1470
[email protected]
