Sept. 25 Medicare Education Event 6:30 pm Carlsbad Library

Educational Seminar regarding your Medicare Options

Medicare 101: Which combination of Medicare options is right for you?

David F. Smith, PhD, CFP®, CLU®, ChFC®


  • ☺The different ways to get Medicare
  • ☺Entitlement to and Enrollment in Original Medicare (Parts A & B)
  • ☺Medicare premiums (Parts A & B)
  • ☺Eligibility for Medicare Advantage (Part C)
  • ☺Eligibility for Prescription Drug Plans (Part D)
  • ☺Help for beneficiaries with limited income
  • ☺Original Medicare benefits and beneficiary protections
  • ☺Combining Original Medicare and Part D Prescription Drug Plans
  • ☺Medigap Coverage Plans available (no specific products or insurance companies will be discussed)
  • ☺Medicare Advantage Plans (Part C) Overview (no specific products or insurance companies will be discussed)
  • ☺Chronic Care Special Needs Plans – a type of Advantage Plan

Details: September 25, 6:30 p.m., one hour.

Carlsbad City Library, 1775 Dove Lane, Carlsbad, CA 92011

RSVP: Use the Contact Form HERE, or the registration form on this page. Or call David Smith at 619-876-6343 requesting a seat at the seminar.

Questions? Use the Contact Form on this page, or Call David Smith at 619-876-6343

Your Speaker (

David F. Smith, PhD, CFP®, CLU®, ChFC® has practiced financial planning for 40 years. He is qualified to discuss many aspects of financial goals and needs that face people of all ages, especially those in his own age group. Medicare is a broad subject and requires much study to qualify for access to the products and services needed to provide a sound financial basis including Medicare. Some of the decisions made at age 65 will have long-term effects and need to be carefully considered.

David is associated with AGA Medicare Options ( and is authorized to discuss many different products from multiple insurance companies and service providers so plans will be tailored to your personal needs and goals. In this way, you do not have to contact a number of agents to obtain the information you need.

His services are at no cost and require no obligation from you. He is available for personal meetings at your request. For a personal discussion, please use the "Email Me" menu button at the top to access a quick form that will come directly to David.

This event is for educational purposes only - no plan specific information will be shared. For accommodations of persons with special needs at the event call David Smith at 619-876-6343 TTY 711.

The venue is handicap accessible.

Sponsored by the non-profit Oahu Adventures Foundation, Inc. ( as a public service


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