Demeter Financial Services is an independent agency located in Central Pennsylvania that specializes in
Healthcare, Medicare Planning, and Money Coaching. Insurance licensed in PA, MD, NY and DE.
Taking Care of Your Health
Individual health plans are presented usually based on premiums. Depending on your health needs though, can cause the low premium to be the most costly plan you can take. Through Pennie, I help individuals understand the plans they are looking at and what the actual costs can be.
In the meantime, choosing the correct health plan can save you headaches. Are you really stuck with whatever Medicare plan you chose? What are your options? Can you truly never make a change? What is the difference between Medicare Supplement, Medigap and Medicare Advantage plans?
Mindful money management is being intentional, aware and thoughtful about your financial decisions. Combining practical financial skills with intent, staying present and focusing on your goals instead of succumbing to stress or impulse spending.
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Set clear financial goals
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Create and stick to a budget (cash flow is a better term)
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Track your spending
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Understanding what you already have can reduce impulse spending
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Pause before you purchase. Determine if the purchase aligns or detracts from long term goals.
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Invest in Experiences, not just Things. A vacation can create memories that outlast the jacket that really isn’t your color…
Planning for your life.
Healthcare and Mindful Money Management
Through using a Mindful Money Management approach, we help you align your spending and saving with your values.
As we discuss your goals , we will formulate a plan to address
-Short and long term goals
- Health costs
- What you can expect from your accounts
- Planning for "surprises," both bad and good
- Pension and/or Social Security strategies
Health Insurance
Under 65
Independent Broker
Pennie Certified
Understand Your Options
Medicare
Insurance
Independent Broker
Medicare Supplement
Medicare Advantage
What's the Difference?
Mindful Money
Management
Cash Flow
Understand Your $$
Make Money Work