Retirement Income & Protection
Protect a spouse, prepare for care costs, create more predictable income, review family protection, or understand how Social Security timing may affect retirement.
Explore Retirement Income & ProtectionPerle & Co. helps people in their 50s, 60s, and beyond make confident decisions about Medicare, income protection, long-term care, life insurance, and Social Security timing.
Independent Insurance Brokerage
We help pre-retirees, retirees, and Medicare clients protect income, plan for care costs, protect a spouse, and make Medicare decisions, without pressure.
Protect the retirement you have built from the events that could disrupt it.
Or call us at 651.337.7000.
What our clients say
★★★★★ 5.0 on Google · 50 reviews
“His attention to detail, experience, and easy-to-understand answers gave us confidence we were making the best choice for our situation.”
— Daniel H.
“Harvey listened to what my needs were and based his recommendations on those needs. Medicare can be very confusing — he clarified it with strong real-life examples.”
— Steve B.
“I always feel like I'm in good hands at Perle & Co. Harvey is a wealth of information — caring, hardworking, and always pleasant. I've trusted him since the first time we met.”
— Kathleen M.
Most people come to Perle & Co. because something changed, something is coming up, or something feels confusing. Choose the path that best fits what you need help with today.
Protect a spouse, prepare for care costs, create more predictable income, review family protection, or understand how Social Security timing may affect retirement.
Explore Retirement Income & ProtectionFor people 55–64 who are still working, approaching retirement, or making decisions before Medicare, Social Security, care costs, and income changes arrive.
Plan Before the TransitionFor new and existing Medicare clients who need help with Medicare timing, coverage reviews, prescriptions, plan questions, or support for a parent or spouse.
Go to Medicare Client ServicesInsurance and retirement protection can feel confusing when everything is explained by product name. Perle & Co. starts with the real-life question first, then helps you understand which options may or may not fit.
What happens financially if one spouse dies first?
How would care be paid for if health changes?
What could strain savings faster than expected?
Should part of your retirement income be less exposed to market swings?
Would money be available for final expenses, family obligations, or legacy wishes?
Would a hospital stay create cash needs regular coverage does not fully handle?
Are doctors, prescriptions, costs, and timing still lined up?
Could the filing decision affect a spouse or surviving spouse later?
Perle & Co. is an independent insurance brokerage helping people with Medicare, retirement income protection, long-term care planning, life insurance, Social Security timing, and related insurance decisions. © 2026 Perle & Co. Insurance guidance, not tax or legal advice.
Licensed insurance brokerage. Product availability, licensing, and appointments vary by state.