Sparks Legacy Team mark

Our Services

The right coverage, the right plan, the right information

Every service we offer is built around one goal: making sure you can move forward with confidence as you navigate your health and financial needs in retirement.

Our Six Areas of Service

Everything we help you with

1

Medicare

Medicare Supplements, Medicare Advantage Care Plans, and Prescription Drug Plans.

2

On-Track Retirement Planning

Income planning, market-safe accounts, Social Security, tax planning, and tax-free retirement strategies.

3

Long-Term Care (LTC)

Traditional long-term care insurance, hybrid life + LTC policies, and annuities with LTC options.

4

Dental, Vision & Hearing

Coverage that supplements your healthcare plan for the benefits Original Medicare leaves out.

5

Hospital Indemnity Plans

Cash reimbursement for hospital stays, ambulance transport, and emergency-room care.

6

Life Insurance

Term life, universal life, mortgage protection, and final-expense / burial coverage.

Social Security & Medicare

Service

The decisions you make when you first enroll can affect your benefits and your costs for the rest of your life. We bring unmatched expertise to this process, built from decades of firsthand experience inside the Social Security Administration.

Social Security

  • ◆

    Conduct educational seminars for individuals turning 65

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    Assist with establishing your mySSA online account

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    Help you file online for Social Security Retirement benefits

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    Guide enrollment in Original Medicare Parts A and B

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    Explain your Full Retirement Age and the impact of claiming early or late

  • ◆

    Walk through survivor, spousal, and disability benefit options

Medicare

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    Personalized Medicare brokerage services

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    Enrollment in Medicare Supplement (Medigap) plans

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    Enrollment in Medicare Advantage (Part C) plans

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    Prescription Drug Plan (Part D) selection and enrollment

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    Educational events for individuals turning 65 covering Social Security and Medicare

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    Coverage gap prevention — we make sure nothing falls through the cracks

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    Annual plan reviews to ensure your coverage still fits

Life Insurance

Service

Life insurance is one of the most selfless things you can do for the people who depend on you. We take the time to understand your goals, your family's needs, and your stage of life before making any recommendation. Every plan we present is tailored to you.

Final Expense Insurance

Designed to cover funeral costs, end-of-life expenses, and outstanding debts — easing the financial burden on your loved ones during an already difficult time.

Best for: Individuals seeking affordable, straightforward coverage to protect their family from final costs.

Term Life Insurance

Provides coverage for a specific period — typically 10, 20, or 30 years. Ideal for income replacement during your working years, mortgage protection, and supporting your family through major milestones.

Best for: Families who need strong, affordable protection for a defined window of time.

Permanent Life Insurance

Whole and Universal Life policies that provide lifelong coverage. Builds cash value over time that you can access while living — and can be structured to protect your legacy and long-term financial goals.

Best for: Those seeking lifetime protection with added flexibility and cash value growth.

Retirement Planning

Service

Retirement planning is about protecting what you've built and creating confidence for the years ahead. We help organize savings, manage risk, and develop strategies that support long-term financial stability — each plan tailored to your goals, timeline, and comfort level.

Our Framework for Assessing Your Retirement Readiness

I.M.P.A.C.T.

I

Income Planning

A strong retirement begins with reliable income. We help design personalized income strategies focused on long-term stability, so you can enjoy retirement with confidence and peace of mind.

M

Market Safety Planning

Market downturns can significantly impact retirement savings. We use proven tools and strategies designed to reduce exposure to market volatility while supporting steady, predictable growth.

P

Proactive Tax Planning

Taxes can quietly erode retirement income if left unmanaged. Through proactive planning, we help minimize unnecessary tax exposure so more of your money stays with you and your family.

A

Asset Protection & Estate Planning

A thoughtful estate plan helps protect both assets and loved ones. We review strategies designed to reduce unnecessary probate costs and support a smooth transfer of wealth for future generations.

C

Care (Health & Long-Term)

Healthcare and long-term care expenses are one of the greatest risks in retirement. We help evaluate strategies that protect your savings while preparing for future care needs with clarity.

T

Transparent & Low Investment Fees

Hidden fees can significantly impact retirement outcomes over time. We bring visibility to investment costs and help align fees with the value and services provided.

Meet Our Retirement Specialists

Retirement planning is supported through a trusted partnership with experienced specialists focused on long-term financial strategies.

PS

Pat Schmidt

Retirement Specialist

JC

Jay Curatti

Retirement Specialist

CM

Cole McVay

Retirement Specialist

JS

Joe Skelley

Retirement Specialist

JB

Joshua Burns

Retirement Specialist

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Not sure where to start?

That's exactly what we're here for. Schedule a free, no-obligation consultation and let's talk through what you need. We'll take it from there.

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Or call (913) 626-8369