Medicare covers your health. Your income deserves the same protection.

Wes Chapman handles both sides of retirement. Health coverage and income planning. Plain English. No scripts. No pressure.

Wes Chapman handles both sides of retirement. Health coverage and income planning. Plain English. No scripts. No pressure.

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Welcome to .

At Chapman Health & Retirement LLC, I prioritize helping retirees navigate the complexities of Medicare and retirement income planning—especially those with unique lifestyles like extended travel, multi-state living, or offshore residence. With licensed access in 45 states and partnerships with over a dozen top carriers, I provide customized solutions that fit your life, wherever it leads.

What I Help You With

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Retirement Income Planning

A savings account is not an income plan. We build the structure that turns your savings into a monthly paycheck for life. Built on four factors every plan needs: safety, a reasonable return, income that does not stop, and long-term care protection.

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Annuity Consultation

Annuities are insurance products. They pay you every month for as long as you live. If no one has ever walked you through how they work in plain English, that is the conversation we have.

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Long-Term Care Protection

Standalone long-term care insurance used to be the answer. Premiums have climbed. Carriers have left the market. Many people have been hurt by spiraling costs and shrinking coverage. We build LTC protection into the income plan itself, using annuity riders that pay extra if you need help with daily living. Same coverage. Lower cost. Less risk.

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Medicare and Senior Insurance

Medicare Advantage, Medigap supplements, Part D drug plans, dental and vision coverage. Get any of these wrong, and a single hospital stay can erase decades of savings. We walk you through every option until the choice is obvious.

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Individual and ACA Health Plans

For people under 65 who do not qualify for Medicare. Full marketplace coverage with doctor visits, hospital stays, prescriptions, and preventive care.

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Life Insurance

Term, whole, and universal life. Coverage built around your family, your debt, and your timeline.

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Emergency Care Abroad

For Americans who travel often, live overseas, or split time between countries. Medical coverage and emergency evacuation outside the United States. Coverage that follows the passport.

Four Things Your Money Needs to Do

Every plan I build comes back to four factors. Hit all four, you have a plan. Miss one, you have a gap.

Safety

Your principal protected from market swings.

Return on Investment

Your money earning a reasonable rate.

Income You Cannot Outlive

A paycheck that keeps coming, no matter how long you live.

Long-Term Care Protection

Coverage when you need help with the things you used to do for yourself.

Why People Come to Wes

Wes Chapman is a Dartmouth-educated insurance specialist licensed in 48 states, appointed with more than a dozen carriers. Aetna. UnitedHealthcare. Cigna. Humana. Anthem. Kaiser. Wellcare. The names you already trust.

No scripts. No quotas. No product of the month. He explains the options. You make the call.


His clients fall into three camps. Medicare enrollees handling the next chapter of retirement. Self-employed owners building the income plan no employer ever built for them. American expats living abroad and asking questions most U.S. advisors cannot answer.

The common thread: they want a real person on the other end of the phone.

Medicare. Retirement income. Annuities. One advisor. One plan.