Retirement planning
Build an informed path toward retirement with clear guidance on fixed index annuities, IRAs, SEP IRAs, Roth IRAs, and 403(b) options.
Independent insurance & financial services
Insurance guidance,
explained clearly.
Personal help with retirement planning, health insurance, Medicare plans, and life insurance—from a knowledgeable local advisor who represents you.
Available 7 days a week
8:00 a.m. – 9:00 p.m.
8:00 a.m. – 9:00 p.m.
Mila BrovarnyIndependent insurance professional
- Independent perspective
- Solutions shaped around you
- Long-term personal service
MB & Associates
Independent by design.
Dedicated by nature.
MB & Associates is an independent insurance and financial-services agency specializing in retirement planning. We help individuals and businesses create solid, affordable financial and retirement plans.
We work with a wide variety of large, well-respected companies across the industry. Because we represent our clients—not any one insurance or financial company—we can help select the company and plan that is most suitable for each client.
Our mission is education: helping clients understand their options and choose what is right for them. Long-lasting client relationships—and referrals to relatives and friends—are the best reward for our dedicated work.
What we help you navigate
Protection for today.
Planning for tomorrow.
We compare your options, explain the tradeoffs in plain language, and create a strategy that reflects what matters to you.
Explore retirement planning ↗
Health insurance
Explore individual and family coverage with an advocate who helps you understand benefits, networks, and the true cost of care.
Medicare plans
Compare Original Medicare, Medicare Advantage, Part D, and Medigap choices—then review coverage as your needs change.
Life insurance
Protect the people you love with term or permanent life insurance, including options that may offer living benefits.
Full-service guidance for individuals and businesses
Fixed annuitiesEquity index annuitiesIRAsMedicalDentalDisabilityLong-term careRetirement plansEstate planning
Our independence is your advantage.
“We represent you—not one specific insurance or financial company.”Meet
MB & Associates↘
Retirement planning
Build the retirement
you envision.
While everyone has different visions and goals for retirement, planning for it is a responsibility not to be taken lightly.
Social Security is the largest source of income for many elderly Americans, but it was never intended to be the only source of retirement income. Savings, investments, pensions, and retirement accounts can all help support a comfortable retirement. As people live longer, healthier lives, thoughtful financial planning matters more than ever.
Planning vehicle
Fixed index annuities
Fixed index annuities (FIAs) can be a valuable vehicle for retirement savings. They offer protection from market downturns and the guarantees you expect, along with growth opportunity designed to help build retirement savings.
Fixed index annuities may be qualified or non-qualified. Examples of qualified accounts include Traditional IRAs, SEP IRAs, 403(b)s, and 401(k)s.
Traditional IRA
A personal retirement plan to which eligible participants can make tax-deductible contributions each year.
SEP IRA
A Simplified Employee Pension is an IRA funded exclusively by employer contributions. It provides a retirement-savings option for self-employed people and employees of small businesses, and can be a simpler alternative to more complicated and costly qualified plans.
Roth IRA
A personal retirement plan funded with after-tax contributions. Introduced as part of the Taxpayer Relief Act of 1997, a Roth IRA may permit tax-free distributions when the account is at least five years old and the account holder is age 59½ or older.
403(b)
A tax-sheltered retirement program that lets eligible employees save pre-tax dollars that grow tax-deferred until distributions are taken. Public education institutions and 501(c)(3) organizations can establish these plans for employees.
Choosing the right accumulation vehicle for retirement is important. With many available choices, ask MB & Associates which may be more suitable for you.
Discuss your retirement plan ↗Health insurance
Compare coverage.
Get an online quote.
MB & Associates represents clients—not one specific insurance or financial company. Use the carrier links to explore online health-insurance quotes, or contact Mila for personal guidance.
MedicalDentalDisabilityLong-term care
Approaching 65?
Medicare has a lot of parts.
You don’t have to sort them alone.
We help you understand the two main ways to receive Medicare coverage, how prescription drug coverage fits in, and where supplemental coverage may help with out-of-pocket costs.
Request a Medicare review ↗YourMedicareoptions
Original Medicare
Parts A + B
Medicare Advantage
Also known as Part C
Part D
Prescription drug coverage
Medigap
Supplemental coverage
Enrollment
Start with Part A and Part B
If you are close to 65 and are not receiving Social Security or Railroad Retirement Board (RRB) benefits, you will need to sign up for Medicare. Visit ssa.gov/benefits/medicare to apply for Part A and Part B, or contact Social Security three months before turning 65 to arrange an appointment. If you worked for a railroad, contact the RRB.
If you do not sign up for Part B when first eligible, you may experience a future coverage delay and may have to pay a late-enrollment penalty for as long as you have Part B.
If you already receive Social Security or RRB benefits, Part A and Part B generally begin automatically on the first day of the month you turn 65. If your birthday falls on the first day of the month, coverage starts on the first day of the prior month. People under 65 with a disability generally receive Part A and Part B automatically after receiving qualifying Social Security or RRB disability benefits for 24 months.
Hospital insurance
Helps cover inpatient hospital care, skilled nursing-facility care, hospice care, and home health care.
Medical insurance
Helps cover services from doctors and other providers, outpatient care, home health care, durable medical equipment such as wheelchairs, walkers, and hospital beds, plus many preventive services including screenings, vaccines, and annual wellness visits.
Drug coverage
Helps cover prescription-drug costs, including many recommended shots or vaccines. Private insurance companies run Part D plans under Medicare rules.
After enrollment
Choose how you receive Medicare coverage
After signing up for Part A and/or Part B, it is time to consider your coverage options. When you first enroll—and during certain times each year—you can choose between two main paths.
Original Medicare
Includes Part A and Part B. You can add a separate Part D drug plan and use any doctor or hospital in the United States that accepts Medicare. To help with out-of-pocket costs such as the 20% coinsurance, you can also purchase Medicare Supplement Insurance, commonly called Medigap.
Medicare Advantage
Also called Part C, Medicare Advantage is a Medicare-approved private-company alternative for health and drug coverage. These bundled plans include Part A, Part B, and usually Part D. Most use provider networks and may require approval before covering certain services or drugs. Plans may offer lower out-of-pocket costs and additional benefits such as vision, hearing, dental, and other services.
Review your coverage each year. You do not need to sign up for Medicare annually, but it is important to check whether your health and drug coverage still meets your needs and decide whether to make a change.
Plan enrollment links
Explore plans represented by MB & Associates
WellcareOpen plan site ↗
Aetna / SilverScriptOpen plan site ↗
AnthemOpen plan site ↗
Blue ShieldOpen plan site ↗
We do not offer every plan available in your area. Information we provide is limited to the plans we offer in your area. Contact Medicare.gov or 1-800-MEDICARE for information on all available options.
Life insurance
Protection with
living possibilities.
Life insurance products offer a death benefit that is generally free from income taxes.* In addition to death-benefit protection, some products may help address financial needs during retirement through cash-value growth potential that could be used for a tax-free income stream. This concept is developed around universal life products.
Living benefits
Some life-insurance products include living benefits that may allow the owner to accelerate a portion of the death benefit if the insured becomes critically, chronically, or terminally ill, subject to eligibility requirements. These benefits may be included at no additional premium on eligible policies.
Permanent life insurance
Permanent life insurance can help mitigate risks outside your control while supporting a broader financial plan. Consider both adequate death-benefit protection and potential supplemental retirement income for your situation.
Term life insurance
Term life insurance provides short-term protection at an affordable cost when families may need it most. If the unexpected happens, loved ones generally receive income-tax-free funds that can provide financial protection for the future.*
*MB & Associates does not provide legal or tax advice. Please consult and rely on a qualified legal or tax advisor before entering into or paying additional premiums with respect to these arrangements.
Mila BrovarnyIndependent insurance professional
A thoughtful advocate at your table
Knowledgeable guidance.
Genuinely personal.
MB & Associates is headed by Mila Brovarny, a highly educated and knowledgeable professional with a degree in Economics.
Mila has many years of experience in bookkeeping and accounting, including management positions. She holds several NASD licenses and is licensed to offer insurance products.
Her extensive accounting background helps her analyze each client’s financial situation and create the most suitable plan for each individual.
How we work
Simple steps. Sound decisions.
No pressure. No one-size-fits-all answer. Just a clear, collaborative process.
Listen
Start with your story
We learn about your priorities, responsibilities, timeline, and concerns.
Clarify
Make the options clear
We translate the details, compare paths, and answer your questions directly.
Shape
Choose with confidence
Together, we create a practical direction designed around your needs.
Stay
Keep the plan current
Life changes. We remain available to review and adjust your coverage over time.
Common questions
A clearer answer
starts here.
Your situation is personal. These are starting points—not a substitute for a one-on-one conversation.
What does “independent” mean?
We focus on your needs and can consider options from a variety of insurance companies instead of representing only one specific carrier.
When should I begin retirement planning?
The best time is before a decision feels urgent. An early conversation gives you more time to understand possible savings and income strategies.
When should I start looking at Medicare?
Many people begin learning about enrollment and coverage options in the months before turning 65. Timing can vary, especially if you have employer coverage or already receive certain benefits.
How often should I review my coverage?
Review coverage when your family, health, work, finances, or goals change—and check Medicare health and drug coverage each year to ensure it still fits.
Begin with a conversation
Let’s make your next decision feel clearer.
Tell us what you’re navigating and the best way to reach you. Your first consultation is free and comes with no obligation—just a helpful conversation.