About Michael Todd Oldfield

Financial planning is a bit complicated these days. Everyone; seniors and those under sixty-five need a guy like me to help them navigate the complexities in the marketplace. I am seasoned, experienced, and VERY knowledgeable about many financial planning topics. I can help you understand better how to plan for retirement, secure your income during retirement, and protect your legacy for your family after you are gone. So whether you are in your forties or fifties and just beginning to think about these topics, or in your sixties or seventies or beyond, I invite you to give me a call or meet with me. I will be happy to do all I can to help you.

I am licensed by the Kentucky Department of Insurance and happily appointed as an agent to MANY OF THE BEST financial service companies.

THE THINGS I DO BEST…

I listen, learn, and teach. I visit with people only to learn about their case and advise them the best I can.

I do offer ALL types of personal health and life insurance products including life insurance, health insurance, critical care, fixed and indexed annuities, and long-term and home health care coverages.

I can help you save money by reducing debt and I can help you grow your money for retirement.

Most importantly, I help people with their Medicare, “ACA” (exchange plans on Kynect.com) and even Medicaid. EVERYONE needs to make sure each year they have the coverage that will save them the most amount of money.

I HELP PEOPLE SAVE ON HEALTHCARE EXPENSE

MEDICARE 

Are you on Medicare or about to be? I use Medicare’s own website; www.medicare.gov to assist me in researching every client’s case on an annual basis. We look together to find the least cost route to take that will provide them with the best protection given their individual needs. There is no better resource than Medicare.gov for this information. Whichever option is best, THAT is the one I will happily enroll you in.

KYNECT OR EXCHANGE PLANS

I offer my assistance in helping you navigate and explore all your healthcare options in this rapidly changing market.

Working together we can find out ALL you are eligible for and help you take advantage of all subsidies to make your healthcare insurance costs the lowest possible.

Kynect is not the only item “under 65’s” need to concern themselves with however. We need to have thoughtful discussions on the topics of life insurance, estate planning, critical care coverages, debt elimination, “long-term” case planning and saving for retirement.

MEDICAID

For those who are struggling and need some help, I am happy to help you get set up with our Medicaid system through the state. Call me and we will do it together. Medicaid is there for you when you need it.

 

I HELP PEOPLE ELIMINATE DEBT AND BECOME THEIR OWN BANK

Answer this for me; what if I told you that more than 100,000 people including the most wealthy in America in history, along with Banks and other financial institutions have a way to pay off debt in 1/3rd of the time, save a lot of interest… all without spending a nickel more, and that the strategy is 100% guaranteed? Would that be worth a conversation?

What if I added that there were income tax benefits to this strategy and that later on, when it was time to retire you would have potentially a much larger nest egg to work with, and that money would have tax benefits as well.  Would that be worth a conversation?

For more information, go HERE!

I HELP PEOPLE CREATE FINANCIAL LEGACIES FOR THEIR FAMILIES

It is never too early to plan for those we love. Tomorrow is promised to none. Ask yourself; what would happen to your family today if you were gone? Do you have a spouse that will lose out on your income? A house still to pay off? Kids to put through college?

That is where I come in. I can protect the people you love so that after you are gone, they are not going to end up on the street… and your kids can have the future you want for them

I represent more than 15 of the best life insurance companies that offer all sorts of products

    • Term Life Insurance – pure, cheap insurance for a specific “term” with or without living benefits.
    • Guarantee Issue Whole Life – Health not good? I can get you covered.
    • Fixed Index Life Insurance – Experience some of the upside of the stock market but never the risk.
    • Policies with Living Benefits – that will allow you to take out a portion of your benefits should you need long-term care, or develop a critical, cognitive, or terminal illness.

Literally, I have solutions to every problem. Talk to me and tell me your goals and dreams.

I HELP PEOPLE PAY FOR THEIR FINAL EXPENSES

Sometimes, you can only prepare for the worst possible scenario. Rest assured, I am willing to do the $5K-$10K-20K policies to just finish your experience here, so that you do not leave behind a burden for your family do deal with at their saddest moment.

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