Medicare & Guaranteed Annuities Made crystal clear.
Welcome to Reames Financial. I started in financial planning back in 1989. Today, I've retired from full financial planning to focus exclusively on what retirees ask me about most: honest Medicare plan navigation and principal-protected retirement income annuities. No pushy sales circus—just straight answers from a trusted friend.
Phil Reames
Licensed Agent • Kalamazoo, Michigan
Retired Financial Planner (Est. 1989)
"Medicare shouldn't feel like a pop quiz with trick questions. I cut through the junk mail to help you find coverage that actually fits your life."
Healthcare Security & Guaranteed Lifetime Income
Phil stepped back from comprehensive wealth management to dedicate himself to two vital pillars that keep retirees sleep-easy: comprehensive Medicare protection and principal-safe annuities.
Medicare Solutions
Medicare Supplement (Medigap) • Advantage (Part C) • Part D Rx
Navigating Medicare can feel like reading alphabet soup while dodging piles of junk mail. Phil simplifies every option so you get doctors you love and medications you rely on at a cost that makes sense.
- Medicare Supplement (Medigap): Freedom to visit any Medicare doctor across the United States with minimal out-of-pocket bills.
- Medicare Advantage (Part C): All-in-one plans often bundled with dental, vision, hearing, gym benefits, and $0 copay options.
- Prescription Drug Plans (Part D): Precise formularies review matching your exact medications to keep copays lowest.
Fixed & Indexed Annuities
Zero Downside Risk • Guaranteed Lifetime Income Paycheck
Protect your hard-earned retirement savings from unpredictable market corrections while engineering a guaranteed income stream that you and your spouse can never outlive.
- Principal Protection: 100% safe harbor from stock market crashes. When the market drops, your principal does not drop.
- Guaranteed Lifetime Paycheck: Turn savings into a personal pension that pays steady, predictable monthly checks for life.
- Tax-Deferred Growth: Compound interest uninterrupted without paying annual tax on accrued interest until withdrawn.
Medicare Plan Navigator Quiz
Answer 4 quick questions to see which path (Medigap vs. Advantage) fits your lifestyle
How often do you travel outside of Michigan or your local region?
Doctor network flexibility varies depending on your plan choice.
Phil Reames
Licensed Insurance Agent & Retired Financial Planner
Kalamazoo, MI & Surrounding West Michigan Counties
About Phil Reames...
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 and Annuity 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.
Independent Access to Top Insurance Carriers
Phil is an independent broker—not a captive agent tied to a single company. He objectively evaluates local Kalamazoo and Michigan plans to match your exact doctors, hospitals, and prescriptions.
Humana
Medicare Advantage & Part D
Comprehensive networks across Michigan with strong local doctor coverage.
Mutual of Omaha
Medicare Supplement (Medigap)
Gold standard Medigap Plan G & N options with stable rates and reliable claims.
Aetna / CVS Health
Advantage & Prescription Drug
Extensive pharmacy networks and value-packed Advantage plans in Kalamazoo.
HealthSpring (Cigna)
Medicare Advantage & Part D
Cigna-backed plans with strong preventive care, dental, and vision benefits in Michigan.
UnitedHealthcare (AARP)
Medicare Advantage & Supplement
AARP-endorsed plans with nationwide networks and trusted brand stability for retirees.
What Real Clients Say About Phil
Real feedback from retirees who got straightforward, plain-English guidance without the sales circus.
"All of my concerns were covered very detailed and easy to understand. Easy to contact, follows up in a timely manner."
Frank
Michigan
"Phil did a great job answering all my questions and guiding me on my next steps. Phil knows his stuff and can be trusted. This is all new to me and he made it very easy to understand!"
Lainee
Michigan
"Phil clarified my many questions. Result was knowing I’m making the right decision in my instance. Phil is extremely knowledgeable about the many plans available."
Doug Ingraham
Michigan
"Phil did a great job. He takes his time with you and does his homework. A good man to work with."
Douglas Willette
Texas
Schedule A Call With Phil Reames
No pushy sales pitches or high-pressure tactics. Just plain English advice from a licensed local agent with 35+ years of experience.
Call or Text Phil Direct
(269) 883-1812
Email Phil Directly
preames@reamesfinancial.com
Office Location
1856 Skyler Dr, Kalamazoo, MI 49008
Prefer to Text?
You can text Phil anytime at (269) 883-1812 with your quick Medicare or Annuity questions!