Andrew E. Kelly, Licensed Agent with New York Life Insurance Company

11/03/2026

Let's talk!

11/03/2026

🔧 TIME FOR YOUR MEDICARE TUNE-UP! 🩺

⏰ Just over ONE MONTH LEFT!

Medicare Annual Enrollment ends December 7, 2026!

Are you confident your Medicare coverage is still the right fit for 2027?

Even if you're happy with your current plan, changes to premiums, prescription drug coverage, provider networks, and out-of-pocket costs could affect what you pay next year.

Let's give your Medicare coverage a TUNE-UP! 🚗

✅ Review your current Medicare Advantage or Prescription Drug Plan

✅ Compare available 2027 plan options and costs

✅ Check your prescriptions and preferred pharmacies

✅ Review your doctors and healthcare needs

✅ Explore opportunities to save money without sacrificing coverage that's important to you

The best part? My Medicare plan reviews are FREE, with no obligation!

Whether you've been my client for years or we've never met, I'm happy to help you navigate your Medicare options with confidence.

📞 Call or text Andy Kelly at (360) 870-3321

📍 Serving Washington and Oregon

Don't wait until the December 7 deadline. Let's get your Medicare Tune-Up scheduled today!

Andrew Kelly — Insurance and Retirement Services

Guiding you with Service, Integrity, and Compassion.

11/03/2026

Several methods can help you calculate how much life insurance you need to financially support loved ones

Explore ways to calculate your life insurance needs.

10/27/2026

Sickness, injury, or an unexpected diagnosis can interrupt your ability to earn an income due to a covered disability event—even if the rest of your financial strategy is in great shape.
Many people don't discover gaps in their income protection until they're forced to rely on it.
Let's review your current income protection.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

10/27/2026

Something is fundamentally broken in our healthcare system.

Today, I had the privilege of meeting with a woman in her mid-70s who was referred to me by a friend.

She has Medicare Advantage coverage, but she's avoiding necessary specialist appointments and medications because she simply cannot afford the out-of-pocket costs.

Think about that for a moment.

A woman who has worked, contributed, and lived through more than seven decades is having to choose between taking care of her health and paying for basic necessities like food and utilities.

I spent time exploring her Medicare options. Unfortunately, the alternative Medicare Advantage plans available to her offered no meaningful financial relief. And because of her health and the applicable enrollment rules, moving to Original Medicare with a Medicare Supplement wasn't a viable option.

I couldn't fix her healthcare situation. And that breaks my heart.

We live in one of the wealthiest nations on earth. Surely, we can do better than a system in which our seniors must sometimes choose between getting the medical care they need and meeting their basic living expenses.

Before our appointment ended, I asked her to tell me about her late husband. Her face lit up. For the next 15 minutes, she shared beautiful memories of their life together. We laughed, she cried, and I listened.

I couldn't solve her financial challenges today. But I hope she left feeling heard, valued, and cared for.

Healthcare should never be a choice between getting well and getting by.

We can do better. We must do better.

10/26/2026

Future tax rates are impossible to predict, but even modest changes can affect how much retirement income you actually keep. Looking beyond account balances and considering after-tax income can provide a more complete view of retirement readiness.

If you'd like to discuss how changing tax rates could affect your retirement income and explore strategies that may help improve your long-term financial flexibility, let's connect.

10/25/2026

You save consistently. You have coverage through work. By most measures, may be ahead of the curve.
But if a covered disability event prevented you from working—not permanently, just long enough to matter—would your plan hold up?
Many people with a solid financial plan haven't actually answered that question.
Let's review your current income protection.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

10/25/2026

You're building your career, paying your bills, and planning for the future.
But if a covered disability prevented you from working, would you have a strategy to replace your income while you recover?
Let's connect and talk about protecting what matters most.

Read about what individual disability insurance is, and how this private coverage from NYL can offer personal income protection in the event of a disability.

10/22/2026

Many people assume Medicare will cover long-term care, but custodial care such as assisted living, nursing home stays, and help at home generally is not covered by Medicare.

Planning ahead can help protect retirement savings from unexpected care costs. This article looks at the funding gap, long-term care insurance, and other ways families may prepare for future care needs.
https://bit.ly/4eH7u75

10/22/2026

Not all retirement income is taxed the same way. Here’s a look at five common types of retirement income and how they may be treated for federal income tax purposes.

Thankfully, not all the money you receive in retirement is subject to federal income tax.