https://waymakerinsurancegroup.com/about/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/why-a-medicare-agent-costs-you-nothing-poster.jpg Why working with a Medicare advisor costs you nothing Joshua Heizer explains how Medicare agents are paid by the insurance company rather than by you, why the commission is already built into the premium either way, and what the word independent actually changes. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/why-a-medicare-agent-costs-you-nothing.mp4 95 2026-08-20T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/not-all-agents-show-all-options-poster.jpg Captive or independent — the question to ask any Medicare agent The one question people never think to ask a Medicare agent, and why a captive agent contracted with a single insurance company can only ever show you that company’s plans. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/not-all-agents-show-all-options.mp4 108 2026-08-20T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/medicare-fear-sales-tactics-poster.jpg How to spot fear-based sales tactics in Medicare Joshua Heizer on a tactic used in the Medicare space — painting one type of plan as dangerous to force a quick decision — and the simple test for whether the person in front of you is giving you the full picture. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/medicare-fear-sales-tactics.mp4 114 2026-08-20T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/retirement-annuities/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/retirement-planning-it-depends-on-you-poster.jpg There is no single number that says you can retire Joshua Heizer on why a one-size retirement number is the wrong starting point, and how to work from your monthly expenses and guaranteed income instead. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/retirement-planning-it-depends-on-you.mp4 142 2026-08-19T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/when-to-claim-social-security/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/the-right-age-to-file-for-social-security-is-personal-poster.jpg The right age to file for Social Security is personal Joshua Heizer on why the right age to claim Social Security depends on your health, your income needs and your household — not on a single break-even number. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/the-right-age-to-file-for-social-security-is-personal.mp4 107 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/the-social-security-earnings-limit-if-you-claim-early-and-ke-poster.jpg The Social Security earnings limit, if you claim early and keep working Joshua Heizer explains the Social Security earnings limit for people who claim before full retirement age, what gets withheld, and why it is not lost. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/the-social-security-earnings-limit-if-you-claim-early-and-ke.mp4 120 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/social-security-and-medicare-are-not-the-same-decision-poster.jpg Social Security and Medicare are not the same decision Joshua Heizer on how Social Security and Medicare are separate systems with separate timing — and where claiming one affects the other. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/social-security-and-medicare-are-not-the-same-decision.mp4 97 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/dont-get-taxed-on-your-social-security-poster.jpg How Social Security benefits get taxed, and the thresholds that trigger it Joshua Heizer explains combined income, the thresholds that pull retirees into paying tax on their Social Security, and why those thresholds keep catching more people. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/dont-get-taxed-on-your-social-security.mp4 150 2026-08-19T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/turning-65-in-georgia/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/the-medicare-supplement-window-that-does-not-reopen-poster.jpg The Medicare supplement window that does not reopen Joshua Heizer explains the six-month Medigap open enrollment window — the most important window in Medicare, and what happens if you miss it. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/the-medicare-supplement-window-that-does-not-reopen.mp4 136 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/medicare-irmaa-calculator/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/irmaa-is-the-medicare-surcharge-going-to-affect-you-poster.jpg IRMAA: is the Medicare surcharge going to affect you? Joshua Heizer explains the IRMAA surcharge, why Medicare looks back two years at your tax return, and who it actually affects. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/irmaa-is-the-medicare-surcharge-going-to-affect-you.mp4 111 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/already-on-medicare/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/medicare-advantage-vs-medicare-supplement-what-is-the-differ-poster.jpg Medicare Advantage vs Medicare Supplement — what is the difference Joshua Heizer lays out how Medicare Advantage and Medicare Supplement plans actually differ, without arguing that either one always wins. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/medicare-advantage-vs-medicare-supplement-what-is-the-differ.mp4 144 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/annuity-questions-before-you-sign/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/do-you-really-need-an-annuity-poster.jpg Do you really need an annuity? Joshua Heizer on the four problems an annuity can solve, and how to tell whether any of them are actually yours. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/do-you-really-need-an-annuity.mp4 106 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/health-insurance-before-65-options/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/saving-money-on-spousal-health-insurance-poster.jpg Spousal coverage after 65: employer plan vs Medicare Joshua Heizer on why staying on an employer family plan after 65 often costs more than it should, and what to compare instead. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/saving-money-on-spousal-health-insurance.mp4 110 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/medigap-plan-g-vs-plan-n/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/plan-g-vs-plan-n-which-is-better-poster.jpg Plan G vs Plan N — which is better Joshua Heizer compares Medicare Supplement Plan G and Plan N, and the kind of person each one genuinely suits. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/plan-g-vs-plan-n-which-is-better.mp4 129 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/long-term-care/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/the-retirement-cost-that-wipes-out-savings-poster.jpg The retirement cost that wipes out savings Joshua Heizer on the single retirement expense most likely to undo a plan, and the ways people prepare for it. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/the-retirement-cost-that-wipes-out-savings.mp4 113 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/medicare-penalty-calculator/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/the-two-lifelong-medicare-penalties-poster.jpg The two lifelong Medicare penalties Joshua Heizer explains the two Medicare late-enrollment penalties that last for life — Part B and Part D — and how each one is triggered. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/the-two-lifelong-medicare-penalties.mp4 105 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/medicare/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/medicare-advantage-vs-supplement-poster-720.jpg Medicare Advantage vs Medicare Supplement — the real answer The biggest debate in all of Medicare — Advantage plan or Supplement plan. And honestly, anyone who tells you one is always better than the other doesn't understand Medicare. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/medicare-advantage-vs-supplement-way-maker.mp4 113 2026-02-20T02:06:47+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/retirement-income-you-wont-outlive/ https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/outliving-your-retirement-savings-where-annuities-fit-poster.jpg Outliving your retirement savings — where annuities fit Joshua Heizer on the fear of outliving your money in retirement, and where an annuity honestly does and does not help. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/outliving-your-retirement-savings-where-annuities-fit.mp4 104 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/five-retirement-mistakes-to-avoid-poster.jpg Five retirement mistakes to avoid Joshua Heizer walks through five common retirement planning mistakes and how a little planning avoids each one. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/five-retirement-mistakes-to-avoid.mp4 163 2026-08-18T00:00:00+00:00 yes no Joshua Heizer https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/new-tax-deduction-for-seniors-poster.jpg The senior deduction for people 65 and older Joshua Heizer on the additional federal deduction for people 65 and older, who qualifies, how it phases out, and the years it applies to. https://waymakerinsurancegroup.com/wp-content/uploads/2026/08/new-tax-deduction-for-seniors.mp4 133 2026-08-19T00:00:00+00:00 yes no Joshua Heizer