Retirement Decisions Are Too Important to Guess.
Medicare. Retirement savings. Income. Long-term care. Leaving money to the people you love.These decisions can affect the rest of your life, and you shouldn’t have to make them based on a sales pitch.For nearly 50 years, I’ve helped people understand their options and make informed decisions based on what’s right for them. Clients don’t need to be sold. They need to be educated.– Rick Bronstein
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Nearly Five Decades of Experience. One Simple Philosophy.
Clients don't need to be sold. They need to be educated.
I began my insurance career in 1977. Over the years, I’ve watched products change, companies come and go, markets rise and fall, and Medicare become increasingly complicated.
But one thing hasn’t changed: the responsibility that comes with someone’s trust.
My job is to help you understand your choices, explain the advantages and disadvantages, and make a recommendation based on what I believe is right for you.
Sometimes that means recommending a new solution. Sometimes it means saving a client money by changing companies. And sometimes the best recommendation is: ‘Keep exactly what you have.’
Because if I wouldn’t recommend something to myself or my wife in the same circumstances, I shouldn’t recommend it to you.
2003
What Retirement Question Is On Your Mind?
Retirement planning isn’t one decision. It’s a series of decisions about healthcare, savings, income and the people you care about. Choose what’s most important to you today.
MEDICARE
Am I getting the right coverage at the right price?
Medicare Supplement or Medicare Advantage? Prescription coverage? Am I paying too much? I’ll help you understand your choices – and continue reviewing them after you become a client.
SAFE MONEY
Can my money earn more without taking market risk?
If you have money in CDs, savings accounts or an existing annuity, let’s look at the guarantees, liquidity, taxes and returns available – and determine whether your money could be working harder without exposing it to stock-market losses.
RETIREMENT INCOME
How can I create income I can't outlive?
You’ve spent decades accumulating money. Retirement changes the question from ‘How much can I save?’ to ‘How much can I safely spend?’ Let’s explore ways to create dependable income for as long as you live.
LONG-TERM CARE
What happens if I eventually need care?
Traditional long-term care insurance isn’t the only answer. We’ll explore ways to help protect retirement assets and provide benefits for care – including strategies where money can remain available to your family if care is never needed.
LEGACY
How can I leave more to the people I love?
Sometimes thoughtful planning can increase what ultimately reaches children, grandchildren or charities – and may provide valuable benefits while you’re still living.
Putting Clients First Isn't a Slogan.
After moving from California to Nevada, I discovered that Nevada Medicare Supplement policyholders didn't have the same opportunity to change companies around their birthday without medical underwriting. Rather than simply accept it, I met with a Nevada legislator and explained the problem. Legislation followed, was ultimately enacted, and Nevada Medicare Supplement policyholders gained new annual options.
Medicare Supplement premiums change. Sometimes dramatically. That's why my relationship with a Medicare client doesn't end when the policy is issued. I review coverage and pricing regularly and, when appropriate, help clients change companies to maintain good coverage at a better value.
One woman has referred several friends and family members to me. She's never actually become my client. I reviewed what she already had and couldn't improve upon it. So I told her to keep it. That's what advice should look like.
A Conversation. Not a Sales Pitch.
You don’t need to know which insurance product you need before contacting me. In fact, you may not need a new product at all. We’ll start with a conversation about what’s important to you.
No pressure. No obligation. Just a conversation about whether I can help
Tell me what concerns you, what you're trying to accomplish and what you already have.
I'll explain the choices, including the advantages, disadvantages and costs, in plain English.
If there's a better solution, I'll show you why I believe it's better. If what you already have is appropriate, I'll tell you that too.
My responsibility doesn't end when paperwork is completed. Especially with Medicare, circumstances and premiums change. That's why ongoing reviews are part of the relationship.
I've Been Doing This a Long Time. I Still Enjoy It.
I began my insurance career while attending UCLA in 1977. Over the years I’ve worked with individuals and businesses, but eventually my career became increasingly focused on helping people approaching and enjoying retirement.
Nearly five decades later, I’m still doing it for a simple reason: I like helping people.
Some clients have been with me for many years. Some have become friends. We have breakfast together. They introduce me to their children and friends. And occasionally I have the privilege of helping several generations of the same family.
I’ve also learned that experience isn’t knowing all the answers. It’s knowing which questions to ask, understanding that today’s decision can have consequences years from now, and continuing to learn as Medicare rules, insurance products and retirement strategies change.
I take the trust my clients place in me seriously. And I still consider earning that trust one of the greatest privileges of my career.
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What we offer
Mortgages so simple, you see what you get.
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How it Works
Let us help you get your home today.
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Listing Property
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Jakarta Garden City House & Residence
- 2
- 2
- 2
- 1472 sqft
Asya Apartment and Office Tower
- 2
- 2
- 2
- 1472 sqft
Ambassador Tower and Office
- 2
- 2
- 2
- 1472 sqft
Lokamaya Green House & Apartment
- 2
- 2
- 2
- 1472 sqft
What's On Your Mind?
Maybe you’re wondering whether you’re paying too much for your Medicare Supplement. Maybe a CD is maturing and you’re wondering what else is available. Maybe you’re concerned about long-term care. Maybe you’re trying to turn retirement savings into dependable income. Or perhaps you simply have a question and aren’t sure where to start.
You don't need to know the answer before calling me. That's what the conversation is for.
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Talk with a Lending Specialist.
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Testimonial
Client Feedback
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"I had an exceptional experience working with MortgaVista for my home loan. Their team guided me through the entire process, answering all my questions and ensuring a smooth and hassle-free application. Thanks to their expertise, I secured a great mortgage rate and now I'm living in my dream home. Highly recommended!"
"MortgaVista made the mortgage process simple and stress-free. Their knowledgeable team provided me with personalized guidance, helping me understand my options and choose the right loan for my needs. They were responsive and professional throughout, and I couldn't be happier with the results. Thank you, MortgaVista!"
"I am extremely grateful to MortgaVista for their exceptional service. They went above and beyond to ensure I received the best mortgage terms possible. The team was attentive, detail-oriented, and provided timely updates at every stage. I highly appreciate their expertise and dedication. MortgaVista is the go-to solution for anyone seeking reliable mortgage services."