Insurance & finances made clear
Financial education in Peoria, IL, helps you understand how insurance and healthcare costs fit into your overall retirement plan.
At StAK Insurance Solutions, we teach families and retirees how to align life, Medicare, dental, and supplemental coverage to protect income and reduce stress, all without sales pressure or investment products.
That’s why StAK Insurance Solutions provides financial education services in Peoria designed to help you see how life insurance, Medicare, dental coverage, and other plans work together to protect your family, your retirement income, and your peace of mind. We don’t sell investments or manage your money; our job is to give you clear, unbiased education so you can make smart, informed decisions.
Why Financial Education in Peoria Matters
Most people buy insurance in pieces, one policy here, one plan there, without stepping back to see how it all works together. That can leave dangerous gaps or waste money on duplicate coverage.
Our education-focused approach helps you:
Understand True Costs See how premiums, deductibles, and out-of-pocket costs impact your yearly budget. PROTECT YOUR BUDGET
Avoid Overlap & Gaps Make sure life, health, dental, and supplemental plans work together without leaving exposure. PROTECT YOUR FAMILY
Prepare for Retirement Estimate healthcare costs and build them into your retirement income plan. PROTECT YOURSELF
Plan for “What-Ifs” See how disability, illness, or loss of a spouse would impact finances — and protect against those risks.
Make Confident Decisions Feel clear and empowered before you sign up for any policy.
Financial education also reduces stress. Knowing how your coverage works means you won’t panic when a big bill arrives; you’ll already know what’s covered, what’s not, and what you’ll owe.
Key Education Topics We Cover
Budgeting for Healthcare Costs
Healthcare can become one of the biggest expenses in retirement. We teach you how to estimate annual costs including:
- Medicare Part B and Part D premiums
- Medigap or Advantage plan premiums
- Expected out-of-pocket costs for copays and coinsurance
- Prescription costs and coverage gaps
- Dental and vision care expenses
We also explain how to build these costs into a monthly budget and set aside funds for unexpected events like surgeries or hospital stays. For official information about Medicare premiums and coverage options, visit Medicare.gov, the U.S. government’s trusted source for Medicare education.
Building a Long-Term Insurance Strategy
Coverage isn’t something you set once and forget. We teach you how to:
- Adjust coverage when you pay off a mortgage or debts
- Reduce or ladder life insurance coverage as your kids grow up
- Add or drop dental, vision, or supplemental plans as needs change
- Revisit coverage each year during open enrollment periods
This long-term view keeps you from overspending on unnecessary policies or staying underinsured as your life evolves.
Coordinating Medicare & Retirement Plans
Your retirement income can affect how much you pay for Medicare. Higher income can trigger IRMAA surcharges that raise Part B and Part D premiums.
We help you:
- Understand income thresholds and how they affect premiums
- Time withdrawals or Roth conversions to minimize IRMAA where possible
- Decide whether to delay Medicare if you’re still working and covered by an employer plan
Our goal is to keep your healthcare costs predictable so they don’t eat into your retirement income.
Understanding Risk Management
Insurance is about managing risk, not just checking a box. We explain how to think about:
- Life Insurance: Protecting income and leaving a legacy
- Final Expense Coverage: Preventing financial strain on loved ones
- Disability Protection: Replacing income if you can’t work
- Long-Term Care Needs: Planning for nursing home or in-home care costs
Many families never talk about these risks until it’s too late. We create a safe, supportive space to have those conversations early — when solutions are most affordable.
Financial Literacy for Families
Financial education isn’t just for retirees. We work with families to:
- Teach kids and grandkids about the value of insurance
- Prepare young adults for first jobs and benefits decisions
- Show couples how to align coverage with shared goals
- Encourage multigenerational planning for legacy and inheritance
The sooner your family understands the basics, the stronger your collective financial future will be.
Our Process
We make financial education in Peoria approachable and actionable:
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1
Discovery Call: Learn about your goals, income, and existing coverage.
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2
Education Session: Walk through your current plan and explain where it fits — and where it doesn’t.
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3
Recommendations: Suggest coverage adjustments or cost-saving opportunities (without pressure to buy anything).
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Follow-Up Reviews: Check in annually or at major life events to keep your plan aligned.
Many of our clients leave this process saying, “No one has ever explained this to me before.” That’s exactly what we want — clarity, not confusion.
Why Work With StAK Insurance Solutions
- Unbiased & Educational: We focus on clarity, not sales quotas.
- Local Expertise: We understand Central Illinois healthcare costs and resources.
- Family-Owned Agency: You’ll work with a team that values relationships, not transactions.
- Veteran & Educator Leadership: Discipline, integrity, and teaching are at the heart of what we do.
- Year-Round Support: We’re here when Medicare rules change, when kids leave for college, or when you just need a coverage check-up.
By combining education with practical next steps, we make sure you leave each session with confidence and a clear plan for moving forward.
Contact Us
Build a smarter plan for your future.
We’ll review your current coverage, identify opportunities to save or improve, and help you feel confident about the next stage of life.
Call Now: (309) 453-6546
Book Your Free Education Session
Financial education FAQ's
No — we focus on education and insurance planning, not managing money. We can refer you to trusted advisors if you need investment help.
Yes - we create personalized cost projections so you know what to expect and can budget confidently.
Great! We work alongside financial advisors to make sure insurance fits into the bigger plan.
At least once per year, or any time there’s a major life change like retirement, marriage, or the birth of a grandchild.