I’m a retired financial planner who started in 1989—back when phones had cords and “the cloud” meant rain. I built Reames Financial helping folks retire without needing a decoder ring to understand their money. Turns out I’m terrible at sitting still, so I still work in the Medicare market. Why? Because I’m an old guy now, and most of my friends are too—and we all deserve straight answers without the sales circus.

Medicare shouldn’t feel like a pop quiz with trick questions. I cut through the ads, mailers, and “limited-time offers” to help you find coverage that actually fits your life. No scare tactics or alphabet soup—just plain English, a little humor, and advice from someone who’s been doing this since before PDFs.

These days you’ll find me helping clients, tinkering with AI (yes, really), or trying to convince my grandkids that grandpa used to be cool. I may be retired, but I’m not done helping my friends—and if you’re reading this, you’re officially on the list. Let’s make Medicare simple so you can get back to living.