Licensed in NV · CA · TX · HI · UT · NPN 21173691
702-627-2605 · By calling the number above, you will be connected to a licensed insurance agent.
Licensed in NV · CA · TX · HI · UT · NPN 21173691
702-627-2605 · By calling the number above, you will be connected to a licensed insurance agent.
Independent · No cost to you · RSSA® on staff
By appointment — we respond within one business day.
By calling, you will be connected to a licensed insurance agent.
01 · One brokerage, every stage
Medicare for your parents. A marketplace plan for you. Coverage for the business you run, the trip abroad, the policy your family would actually live on. All of it, in five states — plus the one thing almost no brokerage offers: knowing when to claim Social Security.
By appointment — we respond within one business day.
By calling, you will be connected to a licensed insurance agent.
Jump to what you need
Who you’re working with
Licensed NV · CA · TX · HI · UT NPN 21173691 Henderson, NV Independent · RSSA® on staff
02 · Start here
Medicare
Medicare Advantage, Supplement, Part D — explained in plain English and compared side by side, with no carrier pushing from behind us.
Social Security
When you claim changes what coverage you should buy. Start with a free consult — not a quote link.
Individual & Family
Subsidies, and what actually changes year to year.
Small Business
For owners who’d rather not become benefits administrators.
Life & Estate
Sized to what your family would actually need. Not a law firm; not legal advice.
Travel & International
Coverage that works outside what your plan considers in network.
Dental & Vision
Standalone dental and vision — often the piece Medicare or a marketplace plan leaves behind.
03 · What sets us apart
A survivor benefit changes how much life insurance you actually need. Delaying to 70 changes what you can afford in premiums between now and then. Filing while still working can trigger a withholding you didn’t expect.
Most brokers can sell you the coverage. Very few can tell you how the claiming decision moves it. That’s the part we’re credentialed for, and it’s why the consult comes first — and free.
Fee-based Social Security analysis is separate from commission insurance. Guardian Benefits Group is not the Social Security Administration, CMS, or Medicare.
01
We talk through your situation — work history, marital status, health, what retirement actually looks like for you. No cost, no obligation, and no plan pitch attached to it.
02
A written claiming analysis comparing your filing options side by side, with the break-even math and the coverage implications spelled out. $500–$1,000, quoted exactly at the consult.
03
Rules move and so do lives. Your first refresh within 12 months is free; after that it’s a flat $195.
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The analysis stands on its own. If you’d like us to handle the insurance side too, we can — but that’s a separate decision you make after, not a condition of the first one. Fee-based Social Security work is kept separate from commission insurance work.
04 · How this started
They’d immigrated from Hawaii, worked their whole lives, and then hit two clocks in the same stretch of months: Medicare at 65, and when to start Social Security. Everyone they called was selling one product. Nobody treated those as one conversation.
Leo Adaoag · Founder · RSSA® · NPN 21173691
05 · Next step
An hour, no cost, no obligation. You’ll leave knowing what your options actually are — whether or not you ever buy anything from us.
By calling the number above, you will be connected to a licensed insurance agent.
