Integrated Medicare & Social Security Planning for Your Retirement

Healthcare and guaranteed income are two of the biggest drivers of retirement confidence. The choices you make around Medicare and Social Security can impact your budget, your tax picture, and your long-term security for decades.

At Cammareri Wealth Management Group, we help retirees and pre-retirees in Orange County, NY see the full impact of these decisions before they make them. Grounded in our five core commitments—communication, consolidation, customized strategies, comprehensive planning, and long-term commitment—we tie Medicare and Social Security choices into your broader retirement, investment, and estate plan so everything works together instead of in separate silos.

Medicare Planning

We help you make sense of Medicare—Parts A and B, Medicare Advantage, Medigap, and prescription coverage—in plain language. Together, we review your healthcare needs, existing or employer coverage, and budget, then map out when to enroll and how to coordinate Medicare with your retirement income and long-term care plans. The result is a coverage strategy that fits both your health needs and your financial goals.

Social Security Planning

When and how you claim Social Security can shape your income for the rest of your life—and potentially your spouse’s life, too. We walk through your benefit estimates, claiming ages, spousal and survivor options, and tax considerations so you can see how different choices play out over time. Then we integrate your Social Security strategy with IRA and 401(k) withdrawals, pensions, and other income sources to support a cohesive, sustainable retirement plan.