Expert, Independent Financial & Insurance Guidance
Schedule a complimentary 30-minute consultation for Medicare planning or life insurance, annuities, and IUL strategies.
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Medicare Planning
Navigate Medicare with Confidence
Get expert guidance on Medicare Advantage, Medicare Supplement, and Prescription Drug Plans. I'll help you avoid costly mistakes and find coverage that truly fits your needs.
- Personalized plan analysis based on your health needs
- Multi-carrier comparison across all available options
- Prescription drug coverage verification
- Doctor network confirmation
- Clear cost breakdown with no hidden fees
- Enrollment period guidance and deadline management
- Ongoing support for plan changes and questions
30-Minute Medicare Review
Free consultation to explore your Medicare options
Schedule Medicare ConsultationLife Planning
Secure Your Financial Future
Get independent, unbiased advice on Life Insurance, Annuities, and Indexed Universal Life (IUL) policies. I'll help you build wealth protection and retirement strategies that work for you, not just my commission.
- Life insurance needs analysis and policy comparison
- Indexed Universal Life (IUL) strategy and structure review
- Annuity options for guaranteed retirement income
- Multi-carrier product comparison
- Policy cost analysis and benefit verification
- Retirement income planning strategies
- Estate planning and wealth transfer guidance
30-Minute Life Planning Session
Free consultation on life insurance, annuities & IULs
Schedule Life Planning SessionWhy Work With an Independent Advisor?
Truly Independent
I'm not tied to any single insurance company. I work with multiple carriers to find the best solution for you, not the highest commission for me.
Client-First Approach
Your needs come first. I provide honest recommendations even if it means lower compensation for me. My goal is your long-term satisfaction.
No Pressure Sales
Take your time to make informed decisions. I educate you on your options so you can choose confidently—no high-pressure tactics.
Transparent Guidance
I explain everything in plain English with full transparency about costs, coverage, and how different products work.
Personal Experience
I nearly made costly Medicare mistakes myself when turning 65. That experience drives my commitment to helping you avoid the same pitfalls.
Ongoing Support
My relationship with you doesn't end after enrollment. I'm here to answer questions and help with changes whenever you need me.
About Cindy Kowalski
I became a Licensed Independent Insurance Advisor after nearly making costly mistakes myself. That personal experience drives my commitment to help others navigate complex financial and insurance decisions with integrity and transparency.
With 23 years at AT&T managing Fortune 500 accounts and 16 years running an IT consulting business, I bring a unique blend of business expertise and client-focused service. I work for you, not the insurance companies.
Prefer to Talk First?
(888) 588-5175I'm here to answer your questions with honest, client-first guidance.