Medicare Supplements

Medicare Supplemental Insurance is sometimes called a Medigap policy, for it addresses the expenses that Medicare Part A and Medicare Part B do not cover. Howard will help determine which policy will be best for you.


Annuities provide deferred income that is exempt from income and capital gains taxes until withdrawn.


Primarily utilized to amass funds for retirement, this form of insurance contract provides a series of annual payments. They pay guarantees for a defined period of time. The payout, may begin immediately, but is usually deferred until the age of 59½ or later.

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    Tier 1 Capital of Georgia, LLC is an Atlanta-based agency advising clients on purchasing health, life, and disability insurance coverage, long-term care coverage, as well as customized plans for their financial future. Tier 1 Capital of Georgia, LLC brings more than two decades of extensive experience in long-term insurance and retirement planning for individuals, professionals, small business owners and families.

    Tier 1 Capital of Georgia, LLC's Howard is both a Chartered Life Underwriter® (CLU), offering expertise on risk management to clients on topics like financial planning, insurance law, estate planning, and business planning; and a Chartered Financial Consultant® (ChFC), focusing on financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.