Retirement Ready 101
Need help? Call: (732) 221-8459

Get Fully Retirement Ready
So You Can Sleep Well At Night.

Everything in place. Everyone protected. Nothing left to chance.

Get 1 on 1 Guidance
Free to talk. No pressure. No cost, ever.
Jacki Spear Jacki Spear
Your Guide

Meet Jacki Spear

"As a Medicare Specialist and Senior Advisor, I help men and women turning 65 navigate the many options available through Medicare and build real retirement readiness. Whether it's medical bills, prescriptions, or long-term care keeping you up at night, I'll help you find the plan that fits your unique needs — at no cost to you."

Jacki Spear

Talk to Jacki, It's Free
How I Work

Honest guidance you can trust

I don't get paid more for steering you toward one plan — that's what keeps my advice honest.

📅
Step 1

Tell Me About You

A free call with me — I'll take the time to understand your health, goals, and budget. No rushing. I meet you wherever you are.

🛡️
Step 2

Get Your Simple Plan

Clear recommendations made just for you — in plain English. You'll always know why I'm suggesting what I'm suggesting.

❤️
Step 3

Sleep Well at Night

The hard part is done. Now you relax knowing your plan was built from the ground up — the right way, for your life.

People with a retirement plan feel confident about retiring. 83% of them, in fact. Without one, that number drops to just 38%.

Get 1 on 1 Guidance

Our Partner

We partner with America's top insurance providers

Our partnership with American Senior Benefits gives us access to 240+ carriers — so we shop around and find what's best for you, not what pays us the most.

Humana Aetna UnitedHealthcare Heartland Cigna Anthem DevotedHealth Humana Aetna UnitedHealthcare Heartland Cigna Anthem DevotedHealth

Medicare is often where we start —
but not where we stop

Most people come to us for Medicare — so that's a natural place to start. Already have Medicare handled? Want to talk income or long-term care? We can start right there.

Pillar 1

Medicare & Healthcare

Find the right plan without overpaying or getting stuck with surprise costs. This is where we begin.

Pillar 2

Long-Term Care

Protect your right to age on your own terms, without becoming a burden to your family or draining your savings.

Pillar 3

Life Insurance & Legacy

Make sure the people you love are taken care of, even after you're gone.

Pillar 4

Annuities & Income

Keep your money safe so it grows without risk, and lasts as long as you do.

We also help with Social Security timing and Trusts & Wills.

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The Real Retirement Fear
59%of Americans worry they won't get to retire on their own terms

We make sure you're not one of them.

Nearly half of retirees leave work earlier than planned, whether it's a health scare, a layoff, or something they never saw coming. Being retirement ready means that when the moment comes, it's your decision, not something that happens to you.

Get 1 on 1 Guidance

★★★★★ 5.0 from 71+ Google reviews

Don't just take my word for it

★★★★★

"I have been working with Jacki Spear for all my Medicare needs for almost 18 months now. She has been superlative, responsive, empathetic and ultra-knowledgeable in every way."

Rocky CoastVerified Google Review
★★★★★

"Excellent broker. Very helpful and informative. Her dedication and knowledge helps you navigate the confusion that is senior healthcare. Highly recommend!!"

Marie ThompsonVerified Google Review
★★★★★

"I worked with Jacki to start my medicare enrollment and she was great. Very knowledgeable and helped me through a very confusing process."

Andrew HilowitzVerified Google Review
★★★★★

"Jacki is extremely knowledgeable and helpful with any Medicare questions. Her guidance made a seemingly difficult process easy to understand and complete!!"

Nancy GalaydaVerified Google Review
★★★★★

"Jacki Spear has been my guardian angel for all things related to Medicare. Her expertise is awesomely comprehensive. But more than that she is patient, kind and tireless."

Barbara FrankVerified Google Review
★★★★★

"Jacki took the time to explain all our options, helped us register for Medicare part B and our supplement, and made a confusing process simple."

Robert MackVerified Google Review
★★★★★

"Jacki takes her time with you to help you understand everything you need to know. You are given all the options, prices, pluses and minuses of all your choices."

Kimberly PechkoVerified Google Review
★★★★★

"Jacki is just great! She helped steer us through a semi-complex application, patiently and clearly explaining our options. We highly recommend her."

theo DAKVerified Google Review
★★★★★

"I have been working with Jacki Spear for all my Medicare needs for almost 18 months now. She has been superlative, responsive, empathetic and ultra-knowledgeable in every way."

Rocky CoastVerified Google Review
★★★★★

"Excellent broker. Very helpful and informative. Her dedication and knowledge helps you navigate the confusion that is senior healthcare. Highly recommend!!"

Marie ThompsonVerified Google Review
★★★★★

"I worked with Jacki to start my medicare enrollment and she was great. Very knowledgeable and helped me through a very confusing process."

Andrew HilowitzVerified Google Review
★★★★★

"Jacki is extremely knowledgeable and helpful with any Medicare questions. Her guidance made a seemingly difficult process easy to understand and complete!!"

Nancy GalaydaVerified Google Review
★★★★★

"Jacki Spear has been my guardian angel for all things related to Medicare. Her expertise is awesomely comprehensive. But more than that she is patient, kind and tireless."

Barbara FrankVerified Google Review
★★★★★

"Jacki took the time to explain all our options, helped us register for Medicare part B and our supplement, and made a confusing process simple."

Robert MackVerified Google Review
★★★★★

"Jacki takes her time with you to help you understand everything you need to know. You are given all the options, prices, pluses and minuses of all your choices."

Kimberly PechkoVerified Google Review
★★★★★

"Jacki is just great! She helped steer us through a semi-complex application, patiently and clearly explaining our options. We highly recommend her."

theo DAKVerified Google Review
Let's Make It Real

Your Plan Starts With One Conversation.

Book a free consultation. We'll cover whatever you need, in plain English, at no cost.

Get 1 on 1 Guidance

Helping you make better decisions today, for a better tomorrow.

Speak with Jacki

(732) 221-8459

[email protected]