Stay In Your Lane

Staying in Your Lane—and Why It Matters More Than Ever

The Medicare Annual Enrollment Period is underway, and from what we are seeing, this year is shaping up to be one of the most confusing yet. Plans are changing, benefits are shrinking, and costs are rising. The headlines tell the story: major insurers are tightening the screws, cutting options, and recalculating profitability. The people caught in the middle are older adults—many of whom already feel like navigating Medicare is a full-time job.

The healthcare system is a joke and the whole system needs to be nuked. You know it and I know it.

Here’s the thing: at Truesdell Wealth, we do not sell or service health insurance or Medicare supplements. Never have and never will. Health insurance is a completely separate specialty—one we intentionally choose not to engage in. Why? Because you cannot do everything and do it well.

Our world is investment and wealth advice and management. It is the difference between a surgeon and a family doctor—both critical, but not interchangeable. Far too often we see Medicare agents trying to “advise” on investments or financial management. That is dangerous ground. Different licenses. Different fiduciary standards. Different mindsets entirely. I will repeat that for impact: Different mindsets entirely.

If you are working with someone on your Medicare coverage, make sure they stay in their lane. Let your investment advisor handle your investment and wealth strategy. Mixing the two creates confusion—and confusion costs money.

Now, as health insurance premiums climb, you and many other retirees might be looking for ways to save a few dollars here and there. Many will shop, compare, and second-guess. We understand that impulse. But sometimes the best savings opportunity is not in your Medicare plan—it is in your investment plan.

That is where Fixed Cost InvestingSM comes in. We have been doing it for years, helping clients pay less and get more from their advisor. It is simple, transparent, and built around your goals, not health insurance or Wall Street’s commissions.

So before you have a panic attack over Medicare changes, pick up the phone. Call or text 352-612-1000. You will speak directly with one of our Team Truesdell members—never a third-party answering service, never someone overseas, and definitely not a call center in an igloo in Alaska.

If you get voicemail, leave a message. We will call you back promptly. A real conversation—whether face-to-face, by phone, or video—can clear up more confusion in fifteen minutes than a week of internet searching ever will.

Bottom line: Stay in your lane, work with real professionals, and make sure your financial plan is as disciplined as your health plan. That’s what smart planning is all about.