The Hermes Agency

The Hermes Agency Helping families protect what matters most.

I’m an independent insurance broker offering life insurance, mortgage protection, final expense, and annuities—tailored solutions to fit your needs and budget.

03/22/2026
03/22/2026

🚨 **Retirees: A Hidden Medicare Rule Could Cost You Thousands More Per Year**

Most retirees have never heard of **IRMAA**—until their Medicare premium suddenly goes up.

IRMAA (Income-Related Monthly Adjustment Amount) can increase what you pay for **Medicare Part B and Part D** based on your taxable income from **2 years ago**.

That means:
💰 IRA withdrawals
💰 Roth conversions
💰 RMDs
💰 Capital gains

…can all trigger higher Medicare costs.

⚠️ Even being **$1 over an income threshold** can push you into a higher bracket.

Many people do a great job saving for retirement but never realize how income decisions can affect Medicare, taxes, and long-term cash flow.

A few small adjustments can sometimes save significant money over time.

📩 If you want to see whether IRMAA could affect your retirement income strategy, send me **“INFO”** in a message or comment below, and I’ll reach out.

Send a message to learn more

03/21/2026

A lot of people think life insurance is only about leaving money behind when you pass away — but the truth is, the right policy can do much more for your family while you’re living too.

A few things most people don’t realize:

✅ Some policies can help protect your income
✅ Some can build cash value you may access later
✅ Some can help cover final expenses so your family isn’t burdened
✅ In many cases, coverage is more affordable than people expect

The biggest mistake I see is people waiting until health changes or rates increase before looking at options.

If you’ve ever wondered:
• “How much coverage do I actually need?”
• “Is term better than permanent?”
• “Can I build tax-advantaged money inside a policy?”

Send me a message or comment “info” and I’ll help you understand your options — no pressure, just education.

A 10-minute conversation today can save a lot of stress later. 💬📩

Send a message to learn more

01/19/2026

Hey friends, family, and followers 👋

Many of you know I work in the insurance and financial services space, and over the past year I’ve been helping people protect their families, lower monthly expenses, and plan a little more confidently for the future.

I’m opening up a few spots to do free, no-pressure reviews for anyone who wants to:
✔️ See if they’re overpaying
✔️ Make sure their family is properly protected
✔️ Understand options they may not even know exist
✔️ Or just ask questions they’ve been putting off

No sales pitch, no obligation — just real conversations and honest guidance.

If you’re curious or just want more info, send me a message and I’ll be happy to help. Even if it’s just to point you in the right direction 👍

Thanks for the continued support ❤️

Send a message to learn more

Address

Tomball, TX

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