Do you sell Medicare products?

No. Solutions First Financial Group does not sell or solicit Medicare Advantage, Medicare Supplement (Medigap), or Part D prescription drug plans. We coordinate Medicare planning as part of a broader retirement income plan and refer clients to licensed, independent Medicare specialists when a policy is needed.

What is IRMAA and how do I avoid it?

IRMAA is an income-based surcharge on Medicare Part B and D. It's based on your income from two years ago. We plan around it during major income events like Roth conversions or property sales.

Can I keep contributing to my HSA after 65?

Not once you enroll in any part of Medicare. If you delay Medicare because you have employer coverage, you can generally keep contributing until enrollment.

How much should I budget for healthcare in retirement?

Estimates vary, but studies suggest a couple retiring today may spend six figures on healthcare over retirement — not including long-term care. We model your specific situation.

(602) 753-4244 info@solutionsfirstgroup.com14614 N Kierland Blvd, Suite N330, Scottsdale, AZMon–Thu 9–5 · Fri 9–2 MSTMon–Thu 9a–5p · Fri 9a–2p MST · By appointment

Schedule

Healthcare

Plan for healthcare costs — including the ones no one tells you about

Understand Medicare enrollment, IRMAA surcharges, HSA strategy, and how to build healthcare inflation into your retirement plan.

Book a no-cost Strategy Session

A financial advisor helping an older client review Medicare enrollment paperwork

What's included

A written plan built around your goals — clear, coordinated, and in writing.

Medicare Enrollment Timing

Understand Initial Enrollment, Special Enrollment, and the penalties for missing your window. Coordinate with employer coverage if you're still working.

IRMAA Coordination

Model how income events like Roth conversions or capital gains affect your Medicare Part B and D premiums two years later.

HSA Strategy for Retirees

Use Health Savings Accounts as a tax-advantaged healthcare bucket, including how HSAs interact with Medicare enrollment.

Long-Term Care Options

Compare traditional LTC insurance, hybrid life/LTC policies, and self-funding — with a clear look at costs and trade-offs.

Our process

Simple, transparent, and never rushed.

01
Discovery Call
A brief conversation to understand your goals, timeline, and current situation.
02
Strategy Session
A no-cost 45-minute review with Joe covering income, taxes, protection, and legacy gaps.
03
Written Plan
You receive a clear, written roadmap outlining recommendations, trade-offs, and next steps.
04
Implementation & Reviews
We help implement the plan and revisit it as life, markets, and tax law change.

Ready to see how this looks for your household?

Your Strategy Session is at no cost and no obligation. Bring your questions — we'll bring the analysis.

Schedule Now

Frequently asked

Answers to what people ask us most.

What you can expect

Straight answers, in writing, without pressure.

A 45-minute no-cost Strategy Session with Joe Donti
Clear written recommendations — no heavy product pitch
Coordination with your CPA and attorney where relevant
By-appointment scheduling — never a call-center handoff

Plan your next step

Independent retirement income, tax, and legacy planning — in person by appointment or by secure video.

Request a Retirement Plan Review

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