Avant-Garde Customz

10/25/2026

Color corrected & 7 year ceramic coat

10/25/2026

Turn Heads at Every Light. Schedule Your Signature Detail Now.

10/25/2026

COMING JANIARY 2027

10/22/2026

S. came to us a few months before turning 65, overwhelmed and unsure where to start.

She had heard about Medicare enrollment deadlines but did not fully understand them. Missing a window meant potential late penalties that could follow her for years.

We sat down together, walked through her options, and helped her enroll in a plan that fit both her health needs and her budget. No rushing, no pressure. Just a real conversation.

Then she asked about her kids.

She wanted to leave something behind, but she also wanted to make sure it was protected and used wisely. We introduced her to a life insurance-funded irrevocable trust, a strategy that lets families pass on wealth with built-in protections for their heirs.

"I enrolled in Medicare on time. No stress. And we set up a life-insurance trust to protect the kids." . S., age 64

If you or someone you love is approaching 65, we would be glad to have that same conversation with you. Reach out to Frank and Elia Hernandez, licensed insurance and financial advisors.

Educational content only. Not affiliated with Medicare.gov or any government agency. Plan availability varies by state. Results are individual and not guaranteed.

10/18/2026

10/17/2026

10/17/2026

#305

10/16/2026

Medicare Annual Enrollment (October 15 to December 7) is a yearly window to review coverage for the year ahead.

Some people renew without a second look, even when their prescriptions, preferred doctors, or out-of-pocket costs have changed.

Elia and I approach this season as a conversation, not a hard sell. If you or a family member is turning 65, or would like a second look at your current plan, we are happy to talk.

Frank Hernandez and Elia Hernandez are licensed insurance agents with Insurance-Annuities Advisor.

We do not offer every plan available in your area. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).

We are not connected with or endorsed by the U.S. government or the federal Medicare program.