Medicare & Health Planning
Serving Aurora, Illinois, in person — and all 50 states virtually.
What changes when health coverage is planned with the same precision as wealth?
Before
- Medicare and IRMAA show up as surprises near 65.
- Health costs sit outside the retirement math.
- Work coverage, Part B timing, and income surcharges are guessed.
After
- Enrollment and income effects are mapped with the rest of the plan.
- Health coverage is treated as a core asset decision.
- Timing choices fit cash flow, tax, and retirement income.
Navigating healthcare costs and coverage with the same precision we apply to every other element of your financial life — because your health is your greatest asset.
- Medicare Part A, B, C, D strategy
- Supplement plan analysis
- Retirement healthcare cost modeling
- The Full Life Readiness Score™
- Medicare.gov: When can I sign up for Medicare?
- Medicare.gov: Medicare costs
- Medicare.gov: Avoid late enrollment penalties
- Medicare.gov: How much does Medicare drug coverage cost?
- Social Security Administration: Medicare premiums (including IRMAA)
Last updated Oct 5, 2026
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Serving Aurora, Illinois and Beyond
The Pinnacle Group serves professional women, business owners, and educators in person in Aurora, Illinois — and virtually in all 50 states. Wherever you are, one coordinated strategy is within reach.
Our home base. Private wealth planning, tax strategy, and DAITT® advisory services for business owners and families.
Virtual engagements nationwide, anchored in Aurora, Illinois — wherever you are, one coordinated strategy.
"Distance doesn't limit strategy. Wherever you've built it — we'll help you protect it."
— Dr. Pat Pachciarz®, CEPA® · The Pinnacle Group
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