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Retirement Joe is the heart of SafeHarbor Management Group (SMG) located in Bonita Springs, Florida. We're here to help you navigate all your Medicare and retirement needs. SMG helps educate and empower individuals when making Medicare and retirement decisions. We pride ourselves on proprietary technology that gives the consumer a more convenient way to learn and apply for coverage without compromising on professional advice throughout the process.

We offer helpful tools to make your Medicare decision-making process easier and more informed. These resources are built to guide every step, whether you're just starting to explore options or ready to enroll. 

Request your free Navigating Medicare
e-Book. This extensive e-book will help you make an unbiased, educated decision about what plan is right for you.

Get a fast personalized quote for your Medicare plan and take advantage of all the other resources we offer for retirement.

Want to learn more? Schedule your free consultation today!

These are real clients not paid endorsements.

Joe Garcia is a dedicated professional in the field of insurance and wealth management, currently serving as the founder and CEO of Safeharbor Management Group, LLC (SMG). With over three decades of experience protecting folks’ health and wealth, he has earned his nickname “Retirement Joe”.

 A graduate of Western Michigan University with a degree in Business, Joe has also accomplished getting his MBA from Michigan State University and has a deep passion for learning. Joe has earned his certification in long-term care (CLTC) and is currently enrolled in the American College, where he is working on his RICP and ChFC.

Beyond his professional achievements, Joe and his wife Jessica have a passion for giving back to their community in West Bay. In his free time, Joe enjoys flying, playing golf in Southwest Florida and boating with his family and friends.

If you sign up for a Medicare Supplement plan, you will also need to sign up for a prescription drug plan also known as Part D, even if you are not taking any medications. The government will penalize you 1% of the national base beneficiary premium by the number of uncovered months. For example, if you were uncovered for 12 months, you would owe 12% of the national base beneficiary premium. This penalty will be part of your Part D premium for ever. 

You may or may not be able to keep your doctors. If you sign up for a Medicare Advantage plan, you will be required to stay in a network. If your doctor is not in the network, then you would pay a higher cost to see them. If you sign up for a Medicare Supplement plan, your chances are higher that you will still be able to see your current doctor. Medicare Supplement plans do not have a network; you just have to see doctors that accept Medicare.

Medicare is not free. Medicare Part A is free as long as you have worked 40 quarters. Medicare Part B has a standard monthly cost of $185 dollars. You could pay more for your Medicare Part B depending on your adjusted gross income, this is also known as Income related monthly adjustment amount (IRMAA). 

In general, you should sign up for Medicare Part A and Part B during your initial enrollment period, which starts three months before your 65th birthday, includes the month of your birthday and ends three months after that month. If you do not sign up during this period, you may have to pay a late enrollment penalty. 

Medicare Part A is for hospitalization, helps pay for anything that takes place while you are in the hospital. Medicare Part B is for outpatient doctor services. Medicare Part C is Advantage plan, and you have to stay in the advantage plans network of doctors. The Advantage plan generally will cost you more out of pocket when you use them. The typical out of pocket maximum is $5300 a year. The Medicare Part D is a stand-alone prescription drug plan. If you choose a Medicare Advantage plan the Part D is already included. If you choose a Medicare Supplement, you will need to purchase a Part D plan. Medicare Part was changed in 2025, the maximum out of pocket a consumer can pay is $2,000.00 for the year.

If you or a spouse is still working and have health coverage through an employer, you will not have to sign up for Medicare Part B. 

We offer fiduciary financial advice tailored to post-retirement needs, including asset preservation, Medicare, Social Security, tax strategies, and estate planning. Our goal is simple: help you protect and transfer the wealth you’ve worked hard to achieve.
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8891 Brighton Lane Ste 127

Bonita Springs, FL 34135

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