Resources - Free Guides, Tools, & Reports for Clarity
🔗 Medicare
Medicare & You 2026 (official handbook, PDF) - annual benefits, costs, and key dates
Choosing a Medigap Policy (official CMS guide, PDF) - How to compare Plans A to N, what’s covered, how pricing works
2025 Medicare Costs (PDF) - Part A/B/D premiums, deductibles, coinsurance at a glance
CMS Medigap Portal - rules, rights, and links to sate SHIP help
2025 Medicare Amounts (CMS training sheet, PDF) - Part D base premium, IRMAA brackets, quick reference
Medicare.gov - Official Medicare Enrollment & Information
Medicare Plan Finder - compare Medicare Advantage & Part D plans by zip
SHIP (free, unbaised counseling) locator - find local one on one help
Extra Help (Part D LIS) apply - lowers drug costs for eligible beneficiaries
Extra Help program overview (PDF) - What it covers & how it works
Your Financial Clarity Toolkit
Download free guides, checklists, and lessons to help you navigate retirement, insurance, and wealth decisions with confidence. Each item is a link to a website or PDF
🔗 Healthcare Information
Healthcare.gov - Plan Shopping, browse 2025 plans & estimate prices
Healthcare.gov - Coverage & Renewals Hub, how renewing works, documents needed
Healthcare.gov - Find Local Help
State-Based Exchanges - States Exchanges for Consumers and Small Businesses
Pick Health Insurance - Comparing plans from different Carriers
Arizona Health Coverage - Arizona Marketplace for Health Insurance
KFF Marketplace Subsidy Calculator - estimate premium tax credits
🔗 Long Term Care
NAIC Shoppers Guide to LTC Insurance (PDF) - coverage types, inflation riders, suitability
LongTermCare.gov (ACL) - planning basics from the US administration for community living
NCOA Benefits Check Up - Find money savings program for older adults
Genworth/CareScout Cost of Care Survey (PDF) - current median costs by setting & state
🔗 Social Security
Social Security Administration - Retirement and benefits information
Benefits Calculators Hub - all SSA calculators in one place
Quick Retirement Calculator - instant estimate at different claiming ages
Online Benefits Calculator- detailed estimate using your earnings record
Full Retirement Age Calculator - Find your FRA by birth year
🔗 Property & Casualty (Home, Auto, Umbrella, Flood, EQ)
Insurance Information Institute (III): Homeowners Basics (PDF) - what’s covered & how policies work
(III) Homebuyers Insurance Handbook (PDF) - coverage types, limits, deductibles when purchasing a home
FEMA NFIP: Current Flood Insurance Manuals - official rules & rating methodology (for deeper dives)
NFIP Claims Manual (PDF) - how flood claims are handled, step by step
NAIC Consumer Guide: Earthquake Insurance (PDF) - what EQ policies cover and don’t cover
CA Dept of Insurance: Earthquake Insurance (PDF) - CEA basics, deductibles, how to buy
FEMA Flood Map Service Center - check flood risk & view official FIRMs
IBHS FORTIFIED Home - strengthen roofs/homes; homeowner resources & standards
NFPA Firewise USA - wildfire risk reduction for homes & communities
IBHS Updates - resilient construction standards changes (roof,hail)
🔗 Small Business Owners
IRS Small Business & Self Employed Tax Center - tools, EIN, forms, guidance
IRS Tax Calendar (interactive) + Pub 509 - key filling/payment dates
US DOL: Choosing a Retirement Solution for Your Small Business (PDF + Comparison Chart) - 401k, SIMPLE, SEP, etc
IRS: 401k additional resources (pubs & guides) - employer plan references
IRS Business Updates - small business news & deadlines
🔗 Life Insurance
NAIC Life Insurance Buyer’s Guide (PDF) - term vs permanent, riders, how much coverage to consider
Arizona DIFI, Life Insurance Buyer’s Guide (landing) - state consumer link to the NAIC guide
NAIC Life Insurance Policy Locator - search for lost policies/benefits
Life Insurance Needs Calculator (nonprofit Life Happens) - quick need estimate
🔗 Annuities
SEC Investor Bulletin: Indexed Annuities - how caps/spreads/participation rates work; risks & questions to ask
SEC Investor Bulletin: Variable Annuities (PDF) - fees, living benefits, surrender charges overview
FINRA on Variable Annuities (Investor Alert, PDF) - suitability issues and what to verify before buying
🔗 Financial Advising & Wealth Management (Fee-Only/Fiduciary)
Investor.gov: Working with an Investment Professional - differences between brokers, advisors, and planners
SEC IAPD (Advisor Info) - search a firm/person’s Form ADV, disclosures, registration
FINRA BrokerCheck - check a broker/firm; registrations & disciplinary history
SEC “Ask Questions” Brochure (PDF) - concise checklist to use before you hire anyone
SEC: Top Tips for selecting a Financial Professional (PDF) - Questions to ask + how to vet
Investor.gov: What is IAPD - overview of what you can see in advisor filings
CFP Board “Let’s make a Plan” - what a CFP professional is; fiduciary standard explanation
Investor.gov Calculator - compound interest, savings goals, RMDs (SEC)
FINRA Fund Analyzer - compare fund fees/loads & see long term cost impact
IRS RMD Worksheets - official tables & workshets
🔗 News & Updates
FINRA - Learn about financial professionals and licensing.
NAIC (Insurance Regulators) - Consumer resources for insurance.
Arizona Dept. of Insurance & Financial Institutions - Verify insurance licenses.
KFF - Policy Analysis, Polling, Journalism, Health Information and Trust Initiative, and By-State Premium Benchmarks
KFF ACA Insights - premium/subsidy trends & tools