Your Legacy Deserves Peace of Mind
We help families navigate Medicare, health insurance, and financial protection — so you can focus on the people and moments that matter.
Trusted Partnerships — 50+ Top-Rated Carriers
Choose Your Path
How Can We Help You?
Every family's needs are different. Select the area that fits your situation.
Navigating Medicare can feel overwhelming. We walk you through every option — from Original Medicare to Advantage plans.
Navigating Medicare can feel overwhelming. We walk you through every option — from Original Medicare to Advantage plans — so you make the right choice for your health and budget.
→ What is Medicare?
A clear breakdown of Parts A, B, C, and D — and what each covers.
Learn more →→ Medicare Eligibility
When you qualify, enrollment windows, and what happens if you miss them.
Learn more →→ Medicare Enrollment
Step-by-step guidance through the enrollment process.
Learn more →→ Medicare Advantage
How Medicare Advantage (Part C) bundles your coverage into one plan.
Learn more →→ Medicare Supplements
Medigap plans that fill the gaps Original Medicare doesn't cover.
Learn more →→ Medicare Part D
Prescription drug coverage options and how to choose the right plan.
Learn more →Self-employed, between jobs, or need family coverage? We find affordable health insurance plans that fit your life.
Whether you're self-employed, between jobs, or need family coverage, we find affordable health insurance plans that fit your life and protect your family.
→ Health Insurance
Individual and family plans with comprehensive coverage options.
→ Dental & Vision Plans
Standalone dental and vision coverage for complete protection.
→ Cancer & Stroke Plans
Supplemental plans that provide a financial safety net for critical illness.
Protect your retirement savings from market volatility with strategies that grow your wealth without the risk.
Protect your retirement savings from market volatility. Our safe money strategies — including Fixed Indexed Annuities — help you grow your wealth without risking what you've built.
→ Sequence of Returns Risk
Why the timing of market losses near retirement can be devastating.
→ The Two-Bucket Strategy
How to split your savings between protected and growth accounts.
→ Fixed Indexed Annuities
Earn market-linked returns with zero downside risk to your principal.
→ Retirement Risk Review
A free, no-obligation assessment of your current retirement strategy.
Beyond the basics — supplemental benefits that provide additional layers of protection for your family.
Beyond the basics, we offer supplemental benefits that provide additional layers of protection — from hospital indemnity to final expense coverage.
→ Hospital Indemnity
Cash benefits paid directly to you when you're hospitalized.
→ Final Expense
Affordable whole life insurance to cover end-of-life costs.
→ Accident Plans
Coverage for unexpected injuries and emergency expenses.
Ensure your family's financial future is secure with the right life insurance policy for your situation.
Ensure your family's financial future is secure. We help you find the right life insurance policy to protect the people who depend on you most.
→ Term Life Insurance
Affordable coverage for a specific period — ideal for young families.
→ Whole Life Insurance
Permanent coverage that builds cash value over time.
→ Legacy Planning
Strategies to leave a meaningful financial legacy for your loved ones.
Safe Money Concepts
Protect What You've Built
If you're between 59 and 65, the next few years may be the most critical of your entire financial life. Learn how safe money strategies protect your retirement from market risk — without giving up growth.
Sequence of Returns Risk
The timing of market returns matters just as much as the returns themselves. A market drop right before or after you retire can cause permanent, irreversible damage to your retirement income.
Example Scenario:
- → Retire with $400,000
- → Market drops 25% in year one = $300,000
- → Withdraw $24,000 to live = $276,000
- → Market must return 45% just to break even
The Two-Bucket Strategy
Instead of keeping everything in one place, the two-bucket approach separates your money by purpose.
Bucket 1 — Protected
Money you can't afford to lose. Fixed Indexed Annuities — principal protected from market loss.
Bucket 2 — Growth
Money you won't need for 10+ years. Stays invested for long-term growth — time to recover from downturns.
You don't have to choose between safety and growth. You can have both — in the right proportions.
Fixed Indexed Annuities
A Fixed Indexed Annuity (FIA) is an insurance product — not a security. It gives you market-linked growth potential while guaranteeing your principal can never go backward due to market loss.
- Index goes up → you earn a portion of the gain
- Index goes down → you earn zero, but lose nothing
- Gains lock in annually and become your new floor
- Optional lifetime income riders for guaranteed retirement income
Common Myths — Debunked
"Annuities have high fees."
Most FIAs have zero annual fees on the base contract. Optional riders may carry a fee — but only if the benefit is worth it.
"I'll lose access to my money."
Most FIAs allow penalty-free withdrawals of up to 10% per year. Some offer nursing home or terminal illness waivers.
"I can do better in the market."
Maybe. But can you afford to be wrong in the 5 years before or after retirement? FIAs aren't about beating the market — they're about protecting what you've built.
Is This Right for You?
A safe money strategy using Fixed Indexed Annuities may be a good fit if:
- You're between 55 and 70 years old
- You have $100,000+ in retirement savings
- You're worried about a market crash affecting your timeline
- You want guaranteed income you can't outlive
- You want tax-deferred growth without market risk
- You want to protect your spouse or beneficiaries
If you checked even two or three of these, it's worth a conversation.
Real Story: Protection in Action
A client came to us in late 2021. She was 62, had $280,000 in her 401(k), and was planning to retire in 18 months. Her money was fully invested in growth funds. She was nervous about the market but didn't want to move to cash and miss out on growth.
We moved a significant portion of her savings into a fixed indexed annuity in early 2022.
2022: S&P dropped 19.4%. Her friends lost $40,000–$60,000 each. Her protected account? Zero loss.
Details changed to protect privacy. Past performance does not guarantee future results. Fixed indexed annuities are insurance products, not securities.
Free · No Obligation · 30 Minutes
Get Your Retirement Risk Review
We are not connected with or endorsed by the United States government or the federal Medicare program. Fixed indexed annuities are insurance products, not securities or investments.
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About Legacy Peace of Mind
Built on Trust, Driven by Family
Founded in 2018, Legacy Peace of Mind was built on a simple belief: every family deserves access to honest, expert guidance when it comes to protecting their health, their savings, and their future.
Based in Fort Morgan, Colorado, we've helped over 3,500 families and work with 50+ top-rated insurance carriers to find the right fit — not the highest commission.
Protection First
Safeguarding your family's financial future above all else.
Client-Centered
Your needs drive every recommendation — never commissions.
Family Values
We treat every client like family, with honesty and genuine care.
Trusted Expertise
BBB A+ rated with 50+ carrier partnerships for unbiased guidance.
Our Team
Meet the People Behind the Promise
We're a family-run team dedicated to helping your family thrive.
As principal and COO of Legacy Peace Of Mind, Erin leads the team with a commitment to putting clients first. Her dedication to excellence and genuine care for families drives everything the agency does.
With 21+ years in the insurance industry, Joshua founded Legacy Peace of Mind in 2018. He served as Sales Director for the largest Medicare-focused agency in Colorado, training hundreds of agents, before launching this agency with a mission of integrity and expertise.
Client Testimonials
What Our Clients Say
Get in Touch
Let's Start the Conversation
Whether you have a question, need a quote, or want to schedule your free consultation — we're here to help.
Phone
970-233-0063Location
329 E Platte Ave
Fort Morgan, CO 80701
Hours
Monday – Friday: 9am – 5pm
BBB Accredited Business
Better Business Bureau
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We'll get back to you within 24 hours.