Medicare Enrollment Periods Explained (2026): IEP, SEP, GEP, AEP & More
Learn the five Medicare enrollment periods, when each one applies, how to avoid late penalties, and when you can enroll or change Medicare coverage.
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Richmond, VA · Insurance & Financial Guidance
Protect. Plan. Prosper.
SurePoint Financial helps Richmond-area individuals, families, and retirees make confident decisions about Medicare, life insurance, retirement income, and long-term financial planning — with independent guidance from someone who lives and works here too.
Independent & carrier-neutral
Locally based in Richmond, VA
Fiduciary advisory services available
Who We Are
A Trusted Partner for Richmond Families and Retirees
SurePoint Financial was built around a simple idea: the people making some of the biggest financial decisions of their lives — enrolling in Medicare, protecting their family with life insurance, figuring out when to claim Social Security, or turning savings into retirement income — deserve a local advisor who explains the options honestly instead of pushing a single product. We combine independent insurance guidance with investment advisory services offered through Sequent Planning, a Registered Investment Adviser, so your protection and your planning work together instead of living in separate silos.
Why Choose Us
Guidance You Can Actually Trust
Timely Service
Enrollment deadlines and application windows don't wait, and neither do we — expect prompt responses and follow-through, not a call center queue.
Multiple Carrier Options
As an independent agency, we compare plans across many carriers instead of representing just one, so the recommendation fits you, not a quota.
Trusted Partnerships
From carrier relationships to our investment advisory partnership with Sequent Planning, we work with organizations that meet our standard, not just any standard.
Years of Experience
We've guided Richmond-area clients through Medicare enrollment, retirement transitions, and family protection decisions, and we bring that experience to every conversation.
How We Help
Insurance & Financial Services, Built Around You
From Medicare enrollment to long-term investment planning, every service starts with the same question: what does your situation actually call for?
Medicare Plan Selection
Independent, side-by-side comparisons across carriers so you enroll in the Medicare Advantage, Supplement, or Part D plan that actually fits your doctors, prescriptions, and budget.
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Term, whole, and final expense coverage sized to protect your income, your mortgage, and the people who depend on you — without paying for more than you need.
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Planning for the cost of extended care so a future health event does not drain the retirement savings or the inheritance you have worked to build.
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A written strategy for turning savings into dependable income for life — sequencing withdrawals, managing taxes, and stress-testing against market downturns.
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Claiming strategy that accounts for spousal and survivor benefits, full retirement age, and breakeven analysis — a decision that can shift lifetime income by tens of thousands of dollars.
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Fiduciary portfolio management and financial planning offered through Sequent Planning, a Registered Investment Adviser, coordinated with your broader insurance and income plan.
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Richmond-Area Guides & Answers
Straightforward answers to the questions we hear most from Richmond, Henrico, and Chesterfield County clients.
What Happens If You Miss Your Medicare Enrollment Deadline?
What happens if you miss Medicare enrollment in Chesterfield County, VA? Learn about penalties, COBRA, employer coverage, and your next steps.
Read the guideHow Do You Choose the Best Medicare Plan in Chesterfield County, VA?
Learn how to choose the best Medicare plan in Chesterfield County, VA. Compare Medicare Advantage vs. Supplement plans and avoid costly mistakes.
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