Kitchen-table strategies, barn-door transparency.

Every service we offer is designed to help you spend less time worrying about bills and more time fishing, grand‑parenting, or riding the trails.

Services

Guaranteed* Income Annuities

Establish lifelong income free from market volatility. Detailed explanations on how annuities work, their guarantees, and the strength of insurers.

Medicare Planning

Personalized, step-by-step assistance with enrollment timing, Parts A-D, Advantage versus Medigap comparisons, and annual coverage reviews to help ensure your needs continue to be met.

Life Insurance

Thorough policy reviews and recommendations tailored specifically to your family’s financial picture, including term, whole, and universal life options with clear explanations of benefits.

Long-Term Care Coverage

Individualized analysis and straightforward options to help ensure asset protection from future healthcare expenses, including hybrid and tradi

Legacy & Survivor Strategies

Tailored strategies designed to protect your spouse while providing financial stability, including beneficiary designation, joint-life annuities, and trust-review support.

Public Notary & Document Review

Convenient in-house notarization and document review to give you confidence when signing legal** documents.

Retire with Confidence. Live with Purpose.

Ready to Take the Next Step?

Schedule your no-cost meeting today and see how our approach can help you retire with confidence.

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Harvest Trail Retirement Strategies

5301 E Garfield Rd

Hesperia, MI 49421

*Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged. Annuities are long-term, tax-deferred vehicles designed for retirement and contain some limitations.

** Harvest Trail Retirement Strategies does not provide legal advice and cannot draft legal documents. We are pleased to work with a client’s current estate planning attorney, CPA®, and other advisers.

Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of annuities and insurance products to custom suit their needs and objectives. This material has been prepared for informational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. By contacting us, downloading booklets, or attending events, you may be offered a meeting to discuss how our insurance and other services can meet your retirement needs.

Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company.

Insurance services have a best interest standard which requires recommendations to be in your best interest. Agents may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's Insurance Agent Disclosure for Annuities form.

ARE-18949 | 25231 | 9/8/2025