The Retirement Resources You've Been Looking For

Not a random search result. Not a financial blog with an agenda. Every tool, guide, and partner on this page has been vetted by a team that has been doing this work in Cincinnati for 27 years.

Recent Blog Posts

ACA Open Enrollment Period Begins Soon - Federal Marketplace

The 2027 Affordable Care Act (ACA) Marketplace open enrollment period is getting closer, which makes this a smart time to begin reviewing your health insurance choices. Whether you are considering...
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Marketplace Open Enrollment Period - How To Prepare

Marketplace Open Enrollment starts November 1, giving individuals and families an important opportunity to choose health coverage for the year ahead. Whether you are selecting a Marketplace plan...
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What Small Businesses Should Know About Offering 401(k) Plans

Small business owners often assume 401(k) plans are too complicated or expensive to manage, but that idea is quickly becoming outdated. Running a business is demanding enough, and handling employee...
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Client Tools and Planning Resources

Personal & Business Consulting

For Individuals & businesses who want advice for their financial picture, managed by one advisor who understands how every piece connects.

Whether you're building a business, planning your exit, or getting your personal finances aligned, we bring the same disciplined approach to every engagement — strategy grounded in your actual numbers, not a generic playbook.

Learn About Personal & Business Consulting
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Nine to Know Income Planning Tool

The Nine to Know tool walks you through the income planning questions A to Z addresses in every client engagement: what you have, what you need, and what gap exists between them. It's a starting point for the income conversation — useful on its own, and even more useful before a one-on-one session with Andy.

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Estate Planning Intake Form

If you're ready to begin the estate planning process — or want to understand where your current documents stand — this form collects the information the team needs to start a coordinated estate strategy.

Free Downloads and Educational Handouts

The resources below are available at no cost. Each has been developed or curated by the A to Z team and reflects the same material Andy covers in seminars and client sessions.

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Checklist for Online Medicare, Retirement, & Spouses Applications

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OBBBA 2025 -

One Big Beautiful Bill Act of 2025

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First Down Financial 2025 Tax Summary

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Medicare Intake Form

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Health Questionaire

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The SECURE 2.0 Act

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Social Security and Medicare:

Your 2026 Quick Guide

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After a Death Occurs - A Checklist

Get Your Free Medicare Blueprint

Medicare decisions are permanent — and most people make them with a fraction of the information they need. This guide covers the difference between Medicare Advantage and Medicare Supplement, how Part D works, what enrollment windows you cannot miss, and what questions to ask before you choose a plan.


It's free. It's written in plain English. And it's built by a licensed Medicare broker who compares plans across 24+ carriers every day.

Professional Partners

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Looking for Something Specific?

If you have a question a resource here doesn't answer, the fastest path is a conversation. Andy and the team are available by phone, email, or scheduled appointment — and the first call is always free.