A piece of your plan
Medicare
Understand your choices, your coverage, and the timing that matters—so you can move forward with confidence.
Let’s talk about this piece →Explore another piece ↑Protection • Retirement • Legacy
What’s your biggest “What if?”
You don’t need a sales pitch. You need someone willing to listen, explain your options, and help your family put the pieces together.
No pressure. Just a private conversation about what matters to you.
LOVEFAMILYVOICE
Every family has a story.
Every story deserves to be heard.
Legacy Conversations™
Every piece has a purpose.
Your life is more than one policy or one document. Let’s explore how the pieces fit together.
Tap a piece to read about it below.
A piece of your plan
Life Insurance
Explore ways to help protect the people who depend on you and the promises you want to keep.
Let’s talk about this piece →Explore another piece ↑A piece of your plan
Wills & Trusts
Help your family know your wishes—and who you trust to carry them out. We can begin at the kitchen table or over Zoom.
Let’s talk about this piece →Explore another piece ↑A piece of your plan
Retirement
Bring your retirement income, healthcare, and family goals into one thoughtful conversation.
Let’s talk about this piece →Explore another piece ↑A piece of your plan
Long-Term Care
Talk about future care, the choices you want to preserve, and the people you want to protect from difficult decisions.
Let’s talk about this piece →Explore another piece ↑A piece of your plan
Beneficiary Reviews
Review who is named on your policies and accounts, and whether those choices still reflect your family and wishes today.
Let’s talk about this piece →Explore another piece ↑Your life. Your family. Your legacy.
I help people put the pieces together.
Start with what matters to you. Penny will listen, explain, and help you explore your next step—at your pace.
Let’s talk about your plan →Bring the pieces together
Your life. Your family. Your legacy.
Helping families put the pieces together… one conversation at a time.
How can I help you today?
What keeps you up at night?
What’s your biggest “What if?”
Upcoming educational seminars
Join the conversation.
Medicare 101 and Wills & Trusts are kept separate so you can quickly find the event that fits your questions.
01
Medicare education
Medicare 101
- Oct. 19 · 9:00 AMMcMillan Memorial Library
- Oct. 26 · 9:00 AMMcMillan Memorial Library
- Nov. 2, 9, 16 & 30 · 9:00 AMMcMillan Memorial Library
- Nov. 23 · 1:00 PMMcMillan Memorial Library
02
Estate-planning education
Wills & Trusts
- Oct. 20 · 1:00 PMMcMillan Memorial Library
Start where life is asking a question
Planning that feels like a conversation—not a transaction.
We begin with your family, your concerns, and what you want to protect. Then we explore the pieces that belong in your plan.
Wills & Trusts
Create clarity, protect privacy, and help the people you love know what comes next.
Retirement Planning
Bring income, protection, healthcare, and legacy goals into one thoughtful plan.
Begin this conversation →Medicare
Understand the choices and timing that come with turning 65 and beyond.
Begin this conversation →Life Insurance
Protect income, create opportunity, and help a promise continue.
Begin this conversation →Long-Term Care
Prepare for care decisions before they become urgent for your family.
Begin this conversation →Wealth Strategies
Coordinate beneficiaries, protection, retirement income, and legacy.
Begin this conversation →Educational seminars
Come for information.
Leave with better questions.
Medicare 101 makes the choices easier to understand. Legacy Conversations™ brings family, healthcare, wills, trusts, and legacy planning to the same kitchen table.
“Before you leave, I hope you’ll feel like someone heard you.”— Penny Wegner, CLTC
What clients say
Trust built one family at a time.
Long after an appointment ends, the relationship continues.
★★★★★
“Penny has been my mom’s agent for almost a decade. She’s fabulous! Thank you again Penny!”
Deb SchrankGoogle review
★★★★★
“Penny is wonderful. Very knowledgeable and answers any and all questions. She is honest and above board about insurance.”
Jan RubyGoogle review
★★★★★
“Penny is a professional agent who is experienced and thorough, taking her time to address all of my concerns and questions.”
LisaGoogle review
★★★★★
“Penny came to my home and took time to know me and my needs. She genuinely cares. This is personal—not someone on TV or just a phone call.”
Lance LoudenbeckGoogle review
★★★★★
“She takes time to make sure you understand everything. She gives different examples, and she is patient and kind.”
Sindy FitzpatrickGoogle review
★★★★★
“Penny is great to work with, very knowledgeable and listens to your needs and helps you accomplish your financial security.”
Tiffany KulaGoogle review
Your trusted family advisor
People before products.
I sit down with families—often right at the kitchen table—and help them understand how healthcare, retirement, protection, beneficiaries, wills, trusts, and legacy fit together.
Good planning begins with listening. You’ll have time to explain what matters, ask private questions, and understand your options without pressure. I am compensated through commissions when an insurance product is selected; there is no charge for our initial conversation.
Keep the conversation close
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Your next conversation begins today
One day, someone you love may need these answers.
Let’s make sure they’re there.