About Us

Julia Rivas, Chief Encouragement Officer of Smarter Advantage LTC, is an independent licensed life and health insurance professional, serving individuals and business owners in the MD, DC and VA area.

Julia provides her clients with the information and clarity they seek to make the best decisions that address their unique and evolving life stage needs in ways that are easy to grasp. Advocating for her clients, she enjoys helping them find simple straight forward solutions in securing access to affordable Healthcare, Medicare and Wealthcare, including retirement and legacy planning by:

• preparing and implementing a value driven plan
• utilizing the right tools and strategies
• providing long term financial protection against risk,
• minimizing out of pocket expenses
• and ultimately prospering for life in retirement

Her clients enjoy peace of mind and sleep well at night knowing that she has their best interests in mind.

Certifications:

• Certified in Long Term Care (CLTC)
• Certified Annuity Specialist (CAS)
• Certified Senior Advisor (CSA)
• Certified Broker for the Maryland Health Connection and DC Link

Julia is available for workshops, seminars, lunch and learns, offering groups and individuals a complimentary discussion on taking control of your financial future, navigating the Healthcare, Medicare and Wealthcare road maps to and through retirement. It starts with a conversation and eventually the plan and purpose become intentionally clear.

e-mail: julia@smarteradvantage.com