Licensed in NV · CA · TX · HI · UT · NPN 21173691
702-627-2605 · By calling the number above, you will be connected to a licensed insurance agent.
Licensed in NV · CA · TX · HI · UT · NPN 21173691
702-627-2605 · By calling the number above, you will be connected to a licensed insurance agent.
Independent · Our help is no cost to you · RSSA® on staff
NV · CA · TX · HI · UT · NPN 21173691 · Henderson, NV
Prefer to text? Text 702-627-2605 · TTY 711
By calling, you will be connected to a licensed insurance agent.
By appointment — we respond within one business day.
01 · One brokerage, every stage
Jump to what you need
Who you're working with
Five states. Licensed in Nevada, California, Texas, Hawaii and Utah — so a move, or a parent in another state, doesn’t mean starting over with someone new.
RSSA®. Our Social Security work is led by a Registered Social Security Analyst — a specialized Social Security credential.
Independent. Not captive to one carrier. No quota pointing you at a particular plan.
02 · Start here
Medicare
Medicare Advantage, Supplement, Part D — explained in plain English and compared side by side, with no carrier pushing from behind us.
Individual & Family
Subsidies, and what actually changes year to year.
Dental & Vision
Standalone dental and vision — often the piece Medicare or a marketplace plan leaves behind.
Social Security
When you claim changes what coverage you should buy. Start with a free consult — not a quote link.
Life & Estate
Sized to what your family would actually need. Not a law firm; not legal advice.
Travel & International
Coverage that works outside what your plan considers in network.
Small Business
For owners who’d rather not become benefits administrators.
Free Medicare 101 class
Learn how Medicare works in plain English, from Parts A and B to enrollment periods and late penalties. Live on Google Meet. Hosted by Leo Adaoag, MBA, RSSA®, licensed insurance agent, Guardian Benefits Group.
This is an educational class only. No plans will be discussed or sold, and no one will be enrolled during the class. Attending doesn’t require a consult.
Reserving a seat asks only for your name and email. We use them only to send the class link and reminders. We won’t call, text, or send sales follow-ups from your sign-up. Privacy Policy
Prefer one-on-one help instead? Book a free consult with a licensed agent
We do not offer every plan available in your area. Currently we represent 11 organizations which offer 50 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Counts are for Clark County, NV, 2027 plan year. 1-800-MEDICARE is available 24 hours a day, 7 days a week (TTY 1-877-486-2048).
Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Licensed in NV, CA, TX, HI, UT · NPN 21173691
Plain-English calculators and checklists you can use on your own, at your own pace.
See what waiting could cost in Part B and Part D penalties.
Get ready to review your coverage during Annual Enrollment (Oct 15–Dec 7).
FreeMedicareTools.com is operated by Guardian Benefits Group, a licensed insurance agency. It is not a government website and is not affiliated with Medicare or CMS. Tools give educational estimates only.
03 · What sets us apart
A survivor benefit changes how much life insurance you actually need. Delaying to 70 changes what you can afford in premiums between now and then. Filing while still working can trigger a withholding you didn’t expect.
Most brokers can sell you the coverage. Very few can tell you how the claiming decision moves it. That’s the part we’re credentialed for, and it’s why the consult comes first — and free.
01
We talk through your situation — work history, marital status, health, what retirement actually looks like for you. No cost, no obligation, and no plan pitch attached to it.
02
A written claiming analysis comparing your filing options side by side, with the break-even math and the coverage implications spelled out. $500–$1,000, quoted exactly at the consult.
03
Rules move and so do lives. Your first refresh within 12 months is free; after that it’s a flat $195.
→
The analysis stands on its own. If you’d like us to handle the insurance side too, we can — but that’s a separate decision you make after, not a condition of the first one. Fee-based Social Security work is kept separate from commission insurance work.
04 · How this started
They’d immigrated from Hawaii, worked their whole lives, and then hit two clocks in the same stretch of months: Medicare at 65, and when to start Social Security. Everyone they called was selling one product. Nobody treated those as one conversation.
Leo Adaoag · Founder, Guardian Benefits Group · MBA · RSSA® · NPN 21173691
05 · Next step
An hour, no cost, no obligation. You’ll leave knowing what your options actually are — whether or not you ever buy anything from us.
By calling, you will be connected to a licensed insurance agent.
