Braxton Black — Retirement Planning, Medicare & Insurance Guidance

Services — How I Help

Six areas, one connected approach.

Retirement Planning

Retirement isn't one decision. It's dozens of smaller ones that all affect each other: when to take Social Security, how to turn savings into income that lasts, how long-term care or leaving something behind for family fits into the picture. I map all of it out together, on one page, so a decision you make today doesn't quietly undercut one you'll need in five years.

Medicare

Medicare can feel overwhelming, especially the first time you enroll. I'll walk you through exactly how the timelines work, help you avoid late-enrollment penalties, and lay out your real options, Medigap or Medicare Advantage, in plain terms. Then we look at your specific situation so the plan actually fits your life.

Life Insurance

Every family wants something different from a life insurance policy: replacing income, leaving a legacy, building cash value, or simply making sure funeral costs never land on the people you love. If traditional coverage isn't an option, simplified-issue policies often still are. We start with what matters most to you, then find the coverage that matches it.

Long-Term Care Planning

Most people hope they'll never need long-term care, and hoping isn't a plan. Thinking it through now, while you still have options, means you're cared for with dignity later, without asking a spouse or adult child to give up their career or their own life to do it.

Annuities

The question I hear most in retirement is simple: will the money last? Annuities can answer that directly: income you can't outlive, protection from a market downturn, sometimes long-term care coverage built in. The product is just the tool. The goal is knowing you won't run out.

Specialty & Ancillary Plans

Health insurance rarely covers everything. Hospital indemnity, dental, vision, critical illness, cancer, heart attack and stroke, accident coverage: these plans fill the specific gaps that turn a medical event into a financial one. We look at where your actual exposure is, then close it.

How We'll Work Together

We start with a conversation.

Before I mention a single product, I want to understand your actual situation: what you have, what worries you, what retirement looks like in your head. Most of that first conversation is me listening, not talking.

I lay out your real options.

I'll walk you through what's actually available to you, what each choice costs and covers, and where the trade-offs are, so you're deciding with the full picture.

We build one plan, together.

Medicare, income, insurance, long-term care, it all gets mapped out as one connected plan, not sold to you piece by piece. You leave knowing exactly what happens next and why.

About — Who I Am

I believe good guidance starts with actually listening, not pitching a product or rushing to a recommendation.

It means sitting with someone long enough to understand what they're really trying to build, what keeps them up at night, what they're hoping their future looks like, before I ever offer an opinion on how to get there.

I'm independent, not tied to one company: I have access to roughly 170 carriers across all lines of business, so a recommendation comes from what actually fits you, not what one company needs me to sell.

Before this, I spent years in the casino industry, starting as a dealer in 2002 and eventually moving into management. When my first child was born in 2017, my priorities changed. The casino business meant nights, weekends, and holidays, often the exact times I wanted to be home with my family. I realized I didn't want to keep missing those moments, so I decided to make a change.

What I found in this business surprised me: every client is a different puzzle, different goals, different circumstances, a different path to get there, and I discovered I genuinely love working through those puzzles. This work is relational. I get to know my clients, and they get to know me.

Outside of work, I'm a husband and father of two who loves spending time with family, watching sports, traveling, collecting watches, and I'm always looking for the next thing to learn. I've built these same relationships with clients throughout Lee and Collier Counties and across Florida, since 2019.

I believe the best client relationships are built the same way every time: trust first, education always, your interests ahead of mine.

Plan the next chapter with confidence.