7467 State Route 22
New Alexandria, PA 15670
Office: (724) 668-7900
Fax: (724) 668-8083

Social Security & Medicare Planning

Social Security

You’ve worked your whole life to build value in a Social Security Benefit that plays an important role in your retirement security. Getting the most out of the dollars you diligently deposited into the Social Security System is a major focus of the Retirement Planning process we implement for our clients. Understanding the rmany rules and strategies applicable can be a complex undertaking, and the decisions you make today may have a tremendous effect on the benefits, values you stand to receive over the rest of your life.

We help you understand:

  • When you should apply for Social Security
  • How to potentially maximize your benefits to the fullest extent of the law
  • How spousal benefits work
  • How survivor benefits work
  • How divorced-spouse benefits work
  • How continuing to work after benefit eligibility affects your SS Income
  • How Social Security Income will affect income taxes
  • Whether it makes sense to delay benefits or not
  • How to coordinate benefits with your spouse
  • How to coordinate Social Security Income with your other sources of retirement income.

Medicare Planning

Are you or a family member searching for a Medicare Coverage Program that is appropriate for your unique needs? Our customized analysis offers the insight necessary to bring a complex and confusing topic into a simplistic summary of information; so you can make the informed decisions necessary to protect the future of your healthcare, and of those you love. Each person’s unique medical history and financial situation plays an important part in deciding what meet’s your needs; Needs we focus on and listen to with devotion. We will teach you how Medicare operates, and help you understand all the moving parts of this complex system.

We offer:

  • A unique analysis of your specific needs
  • A complete explanation of Medicare and the various aspects of Part A, B, C and D
  • An in depth education on Supplements, Advantage Plans and Prescription Plan options
  • A comparative analysis of each program we offer
  • Educated Staff to help with processing paperwork and managing your ongoing coverage needs
  • Annual Review Meetings to update you on product and industry changes, to help ensure you have the program most suited to your needs

Donald McDade, David Estatico, Scott Lauer, Daniel Stephans and Ronald Romeo are registered representatives of Lincoln Financial Advisors Corp.  Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC) and registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. It is not our position to offer legal or tax advice. Mosaic Wealth Consulting is not an affiliate of Lincoln Financial Advisors Corp CRN-3170387-072120.

Unless otherwise identified, registered associates on this website are registered representatives of Lincoln Financial Advisors Corp. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC). Investment advisory services offered through Lincoln Financial Advisors Corp. or Sagemark Consulting, a division of Lincoln Financial Advisors Corp. a registered investment advisory. Insurance offered through Lincoln affiliates and other fine companies and state variations thereof. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Firm disclosure information available at www.LFG.com.

We are licensed to sell Insurance Products in the following states: Alabama, Arizona, Florida, Georgia, Kentucky, Maryland, Missouri, North Carolina, New York, Ohio, Pennsylvania, South Carolina, Texas, Virginia, West Virginia, Wyoming.

We are registered to sell Securities in the following states: Alabama, Arizona, California, Colorado, District of Columbia, Florida, Georgia, Hawaii, Illinois, Kentucky, Maryland, Michigan, North Carolina, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Texas, Utah, Virginia, Washington, West Virginia, Wyoming.

*Mosaic Employee Benefits is a separate entity and is not affiliated with Lincoln Financial Advisors Corp.

Not all registered representatives with our firm are able to offer advisory services.
See Lincoln Financial Advisors (LFA’s) Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services LFA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFA’s Forms ADV, Part 2A, which describe LFA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes LFA’s broker-dealer services, and other client disclosure documents can be found here.
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