Medicare & Retirement Planning.

It's What We Do.

LIFETIME SUPPORT

Comprehensive support for every chapter of your journey.

OUR COMMITMENT TO YOUR PEACE OF MIND

Our Three Truths: Total Transparency for You

NO FEES

We never charge you a fee of any kind for our education or enrollment services.

SAME PRICE

You pay the exact same price for your insurance whether you use our expert help or go it alone.

NO BIAS

We work with over 25 top-rated companies. We don't work for them—we work for you.

FINDING THE RIGHT FIT FOR YOUR HEALTHCARE NEEDS

Medicare Supplement vs Medicare Advantage

Medicare Supplement

Freedom: See any doctor in the USA that accepts Medicare.

Predictability: The lowest out-of-pocket costs when seeing doctors.

Simplicity: No referrals needed to see a specialist.

Medicare Advantage

Value: Plans as low as $0 monthly premium.

Extras: May include dental, vision, gym, and OTC benefits.

All-in-One: Typically includes Part D prescription coverage.

THE ESSENTIALS OF PART A AND PART B EXPLAINED

Understanding Your Base Coverage

Part A (Hospital)

Covers inpatient stays.

For most, the premium is $0.

Part B (Medical)

Covers doctor visits and outpatient care.

The standard monthly premium is $202.90.

Closing the Gaps in Your Coverage

Medicare is designed to pay your doctors and hospitals, but it wasn't built to cover the personal financial toll of a major illness.

The Risk

A diagnosis of Cancer, Heart Attack, or Stroke often comes with "hidden costs"—travel for specialists, home modifications, and non-medical bills that continue even when you can't work.

The Exposure

These expenses can quickly drain a retirement nest egg because they fall outside of traditional medical coverage.

The Solution

We recommend Umbrella Coverage for every client. These plans pay a tax-free cash benefit directly to you, giving you the freedom to focus on healing instead of finances.

A STEADY APPROACH TO YOUR FUTURE

Retirement Planning Built on Clarity

Retirement isn’t just a financial milestone—it’s a major life transition. Between Social Security timing, tax efficiency, and healthcare costs, the "how" of retirement can quickly become overwhelming.

At Gruening Health & Wealth, we believe in education-first planning. Our goal is to help you organize the moving parts of your financial life so you can move forward with a clear, sustainable strategy.

We help you navigate the three pillars of a secure retirement:

Income Stability: Creating a reliable paycheck that lasts as long as you do.
Tax Strategy: Minimizing the impact of taxes on your hard-earned savings.
Healthcare Integration: Ensuring your Medicare and retirement plans work in harmony.

THE GHW DIFFERENCE

You deserve a guide, not a transaction. We take the time to explain the why behind every move, empowering you to make informed decisions at your own pace.

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LEGAL

TERMS OF USE

PRIVACY POLICY

BUSINESS HOURS

Mon: 8:30 AM – 4:30 PM

Tue: 8:30 AM – 4:30 PM

Wed: 8:30 AM – 4:30 PM

Thu: 8:30 AM – 4:30 PM

Fri: 8:30 AM – 4:30 PM

Sat: Closed

Sun: Closed

LOCATIONS

Kaanoi Health & Wealth

94-487 Akoki St. #115,

Waipahu, HI 96797

This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker.

Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.