I'm sure in setting up Medicare I could have stumbled thru the various online guides, both government and commercial - and come up with some choices. But there are enough "black holes" - deceptively simple things with major implications - that I'd have paid dearly for trying. Just one simple checkbox can matter far more than it appears. Rick was the perfect guide thru this obstacle course - he knew already where my confusion would be, and where the pitfalls are. He set out a plan for the project, a reasonable schedule for completing the various milestones, and checked my progress as we went forward. Even joined me on some critical phone calls, a real partner. Empathic. Funny, too. And I sleep better at night knowing I've made sound choices. Bravo!