Health Insurance and Healthcare Expense Management Advisors Colorado


It feels good to have an expert on my side.

Health Insurance and Healthcare Expense Management

Living in today’s world is sometimes fraught with risks. Insurance is a prudent and necessary way to transfer the financial risks to a company large enough to make a big payment in the event of an accident. We help put together plans that buy the right amount of insurance, not too much or too little.  And we educate our clients about the pros and cons of all the aspects of risk management. You can rest assured that you are making decisions in alignment with your long-term goals and values.

Retiring before age 65 and buying health insurance

Health insurance is one of the primary reasons many Americans keep working. Without help from their employer, they cannot afford expensive health insurance premiums. Working with a financial planner, we will help you explore ways to make your premiums, reduce your costs, and understand your choices. This way, you can purchase the right amount of insurance for your situation. Perhaps, even, you can retire.

Affordable Care Act (Obamacare)

For recent retirees, too young to start Medicare, Obamacare is a possible solution. The Federal government subsidizes health insurance costs for low-income earners. On the other had, retirees do not want to sacrifice lifestyle. So how do you live well and still report a low enough taxable income that you can qualify for Obamacare? Talk with your financial planner and they will help you come up with a plan around asset location, as well as diversification of income sources.

VA benefits, Medicare and Private insurance

Veterans who enter retirement may have earned Tricare for Life, a fantastic healthcare benefit. In addition, they may qualify for Medicare and may have questions about Medicare Part D. Plus, there are the added complications of purchasing private insurance from Medicare Advantage plans. And what happens at the end of life, if you were to need assisted living or other care? These are common questions that financial planners at A&I Wealth Management face, and can help you navigate.

Client Stories

Client stories included on this website reflect hypothetical client situations that represent
those commonly encountered by AIWM representatives, they do not reflect actual client relationships.
Jeff and Laura
Martina and Larry

Laura and Jeff are active skiers, hikers and generally spend a lot of time outdoors. They are just starting their family, and looking forward to spending more time in their Summit County Condo. Jeff likes to ice climb and rock climb. Laura is an avid runner and sometimes biker. She worries that Jeff may get hurt on one of his guy-trips, and she wants to know that she and the baby-to-be will be safe. We:

Performed a discovery meeting
Put together a financial plan
Put together a Will and discussed the estate planning process
Educated them about life insurance and disability insurance
Implemented the plans

Laura feels much better knowing all these important, scary what-if scenarios are taken care of. Jeff is proud of the work we did for him. Jeff feels better knowing that his young family will be safe just in case something happens to him.

Martina is an active member of the Denver Arts scene. Larry is a creative director at a marketing agency. They are full of energy. Their happy button is always in the “ON” position, they say. With all the activities they have during the day, and night, they never have time to investigate all the financial decisions they are making. We:

Performed a discovery meeting
Gathered all of their insurance documents
Gathered all of their investment statements
Consolidated their loans
Consolidated their IRA accounts
Prepared a budget they can live by
Implemented their comprehensive financial plans

Martina and Larry appreciate having one person to go to for all their advice. They look forward to the day when they can quit working so hard. Yet, they can hardly imagine what that life would look like because they love what they are doing so much! They rest assured that if anything were to happen to either of them, both of them would be safe because of their comprehensive financial plan, and planner at A&I Wealth Management.

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Insurance and Risk Management

Services We Provide

Asset Protection and Reducing Risks

Reduce the risks you face and make educated decisions about ways to protect your wealth.
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Long Term Care Planning

Actively deciding on a plan for your own care is ultimately a gift you give to the loved ones who outlive you.
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Health Insurance and Healthcare Expense Management

Planning for health insurance, coordinating various health benefits, choosing private insurance, and lowering costs.
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Life Insurance Planning

Our financial planners will help you make a gift that is meaningful. Charitable planning can be simple or complex. We can coordinate a team to reduce expenses and may help […]
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Medicare Planning

Our financial planners will help you make a gift that is meaningful. Charitable planning can be simple or complex. We can coordinate a team to reduce expenses and may help […]
Read More

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    Health Insurance and Healthcare Expense Management Advisory Services

    Our financial advisors can meet with you at our Lone Tree office or any location in the greater Denver area including Greenwood Village, Littleton, Centennial or Englewood.

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