Smith Insurance Services, Inc.

“Unfortunately, most retirees don’t have the financial means to self-insure for a healthcare crisis,” said Chris Giambrone, a certified financial planner in New Hartford, N.Y. “And most people don’t know with certainty that they’ve planned enough for such a crisis.

"Financial advisers ... can position your financial plan to withstand the strain of a prolonged, costly illness..."

Send us a message if you'd like to set up a consultation to discuss your options!

The biggest risk to your retirement isn’t a market crash — it’s a crisis you probably haven’t planned for Health-related financial risks are the No. 1 threat to retirement security.

"A hero is someone who understands the responsibility that comes with freedom." This Memorial Day we thank all who have made sacrifices for our freedom.

Wondering how much YOU will need to retire? Let one of our licensed advisors help you look over all your options and make sure you make the most of your retirement savings!

Americans Now Say They'll Need Nearly $1.5 Million to Retire. Is That Realistic? Americans estimate they need $1.46 million for a comfortable retirement, a recent Northwestern Mutual survey finds. However, figuring out your ideal amount for retirement will depend on many different factors.

"...a growing number of retired individuals are now facing another frustrating expense: unexpected business fees. Banks, utilities, subscription services, insurance providers, and even local governments are adding charges that many seniors never anticipated while they were doing their retirement planning."

When you're on a fixed income, unexpected expenses can hit hard!

That's where working with a licensed advisor comes in handy! We frequently help clients find savings in other areas to help counter the cost of growing living expenses.

Let us help you:
✔️ Check to see if you qualify for a rate reduction on your Medicare Supplement
✔️ See if there are more affordable Life Insurance options available
✔️ Verify that you are getting the most out of your investments

If you'd like to talk, consultations are done at no cost to you. Send us a message!

More Retirees Over 60 Are Being Hit With Unexpected Business Fees

More Retirees Over 60 Are Being Hit With Unexpected Business Fees More Retirees Over 60 Are Being Hit With Unexpected Business Fees. Housing, healthcare, and inflation are typically at the top of retirees'“worry list.” However, a growing number of retired individuals are now facing another frustrating expense: unexpected business

"Although the SSA doesn't consider anything about Medicare when calculating your benefit, the link with Medicare inevitably affects how much you actually bring home from your benefits. The range is wide..."

Are you nearing retirement and wondering what your Social Security payment will be? It helps to have a licensed Medicare advisor walk you through the process and let you know what to expect!

If you'd like to set up an educational consultation, they are always done at no cost to you and can help you prepare for this next phase of your life!

Send us a message or comment below to learn more!

Here's What the Average Retiree Actually Brings Home From Social Security After Medicare in 2026 Benefits still increased, but maybe not as much as some had hoped.

Don't be part of the more than 40% of people who say their loved ones will be in a bad financial situation if they pass away. Life Insurance can help. Not sure what type of insurance you need or how much? That's how we can help you. In our consultations we will review all of your specific circumstances to see what the best fit is for your needs and your budget. Please comment below or send a message to set up a consultation at no cost to you!

Making the most of your life insurance "CBS Saturday Morning" shares tips on how to make the most of your life insurance.

Your family’s future deserves more than “we’ll figure it out later.” 💙

Life insurance is one of the simplest ways to protect the people you love—no matter what life brings. Whether you’re planning ahead, growing your family, or just want peace of mind, the right coverage makes all the difference.

At Smith Insurance Services, we make it easy:
✔️ Coverage tailored to your needs
✔️ Options that fit your budget
✔️ Trusted, local guidance—right at your doorstep

Ready to take the next step? Let’s talk. Your free consultation is just a call or click away.

📞 570-341-9627
🌐 www.smithinsinc.com

If you are turning 65 soon and have questions I am here to help! My services are provided at no cost to you! Give me a call or send me a text. I'm ready to help you navigate this exciting phase of your life!

Did you know, The Smith Insurance team, in partnership with American Senior Benefits, offers insurance products from over 100 different top rated companies. This partnership means that your Smith Insurance agent's recommendation is based on their understanding of your needs, and not a loyalty to a specific provider. This ensures that you, as the client, receive truly personalized solutions and not a "one size fits all" approach.

Learn more by visiting our website and feel free to book a free consultation. We'd love to speak with you!

Smith Insurance Services Inc.

Smith Insurance Services Inc. We help with MEDICARE, LIFE INSURANCE, HEALTH INSURANCE & More!