No. 40 Quarter Coach is not a licensed insurance agency and does not sell, recommend, or endorse any specific insurance products, carriers, or plans. Our Medicare service is purely educational. We help you understand how the Medicare system works, your enrollment timelines, and the types of coverage available so you can make your own informed decisions or work with a licensed agent of your choosing.

A Registered Social Security Analyst (RSSA) is a professional who has completed specialized training in Social Security rules, regulations, and claiming strategies through the National Association of Registered Social Security Analysts (NARSSA). NARSSA has no affiliation with the Social Security Administration or any government agency. 40 Quarter Coach partners with a certified RSSA professional who performs your benefit analysis using the RSSA Roadmap software. While 40 Quarter Coach facilitates access to these services and guides you through the process, the actual analysis and claiming recommendations are produced by the contracted RSSA professional.

No. We do not recommend, endorse, or steer you toward any specific plan, carrier, or insurance product. Our role is educational: we help you understand the Medicare landscape, your coverage options in general terms, enrollment rules, and important deadlines. For plan-specific comparisons or enrollment assistance, we encourage you to use Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program (SHIP) for free, unbiased counseling.

No. 40 Quarter Coach is an independent, private fee-for-service consulting practice. We are not affiliated with, endorsed by, or authorized by Medicare, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any other government agency.

“Free” advice often comes from someone who earns a commission when you buy a product. That creates a built-in conflict of interest. Our fee-for-service model means our only incentive is to give you the most accurate, personalized analysis possible. Many clients find that the clarity from a single session saves them thousands over their retirement.

The sweet spot is 2-5 years before you plan to claim Social Security or enroll in Medicare. That gives you time to implement strategies that could meaningfully impact your benefits. However, even if you're closer to your enrollment date, or already receiving benefits, there may still be optimization opportunities worth exploring.

Absolutely, and we encourage it. Social Security claiming decisions for married couples are deeply interconnected. Spousal benefits, survivor benefits, and coordinated claiming ages can make a significant difference. Couples sessions are included at no extra cost.