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Joe Ray | Medicare & Retirement Specialist
Joe Ray is a Medicare and Retirement Specialist serving the Greater Mobile – Pensacola area offering clients solutions for their Medicare options, retirement planning, life insurance, and long term care insurance. He is a member of the Atmore Area Chamber of Commerce and an active board member of The Kiwanis Club of Atmore. Joe also volunteers as a motivational speaker and honorary coach for Escambia County High School. Joe is also known in his hometown of Atmore, AL for his past role as host and commentator on WBZR’s morning radio shows The Morning Ride and Swap Shop.
As a father of a daughter with cerebral palsy and epilepsy, Joe understands the importance of proper health coverage and financial planning as unexpected bills and expenses can cause significant impacts on a household budget. He also understands the value of patience and listening to the needs, concerns, and desires of clients in order to provide the best available solutions. Joe is also committed to meeting clients face to face at a place and time for their convenience. |
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Our Services
What We Do For Clients |
Asset Protection
Retirement doesn’t mean that it’s time to stop growing. Same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.
We specialize in helping retirees protect their retirement assets while continuing to move forward. |
Family Legacy Planning
Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!
We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create. |
Extended Care Solutions
Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.
The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t. |
Retirement Income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.
We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. Let us get to work on a plan for you. |
