IVY and SAGE  (321) 775-0735
​      (** Formally known as A&B Financial)

We are your local resource to help meet life's challenges: health, wealth, retirement.

"Plan Well, Live Well"

There isn't a 'one-size-fits-all' financial plan. You're an individual - shouldn't your plan be as well? We listen! By working with you, together we will create a financial roadmap that will get you where you want to be.

We're in it for the long term.

As your life grows and changes, so do your needs. As you move through life, it's important to stop and reassess your plan and incorporate new goals and lifestyle changes. We will be there with you to help create and monitor a strong financial plan, protect your family and help you reach both short-term and long-term goals.

"Obamacare": Making Sense of the Affordable Care Act (ACA) 

We at Ivy and Sage LLC** are positioned to offer individuals and families all of the plan choices in our area, plus help navigate the exchange / Marketplace (if you qualify for a subsidy) or choose from the private insurers - whichever proves to be a better deal for you. Give us a call to learn more about how the ACA may personally impact you and your family - we'd love to help!

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150 Interlachen Road
Melbourne, FL 32940

Ivy and Sage LLC** is an affiliate of Viera Insurance Agency

Viera Insurance Agency has been helping folks protect their homes and valuables for more than ten years and now are pleased to extend our services to include other insurance and financial products to help protect and grow your nest egg. Ivy and Sage LLC** works closely with Viera Insurance Agency and shares the same commitment to provide you with outstanding service and products. (** Formally known as A&B Financial)

OUR SERVICES

  • Health, Dental and Vision Insurance
  • Life Insurance
  • Retirement Planning​​​​
  • ​​Estate and Final Expense Planning
  • Medicare Supplements  
  • Medicare Advantage (MAPD​)
  • 401(k) Rollovers
  • IRA/Roth Transfers
  • College Planning (529) 

Health, Dental and Vision Insurance

Confused about the impact of the Affordable Care Act ("Obamacare")? Are you new to Medicare? Let us show you how a high-deductible plan can help take the sting out of rising premiums. Our advisors will help make sense of how it all works, educate you on your choices and help you find an affordable plan to meet your needs.

Life Insurance

The biggest joys in life also create the biggest responsibilities. Marriage, children and home ownership create financial dependencies that become a burden in the event of the death of a family member. Life insurance can help to ensure that your family will not be faced with added stress such as funeral costs, debt, estate taxes and selling a home. Life insurance can also provide living benefits! The right insurance strategy can provide you and your family with financial security to help pay for college, help with unplanned expenses or supplement your retirement. When a crisis hits your family and you realize you need coverage, it's usually too late. Worrying about finances only adds to the stress. With the right life insurance and living benefits strategy you can relax knowing that proceeds and income replacement will be available when needed.

Retirement Planning

It's true what they say. If you fail to plan you plan to fail. Time has a way of getting ahead of us. Due to increased longevity, some of us will be retired longer than our working years. The longer we live, the greater the chance of increased spending such as for medical expenses. Will your savings go the distance? Do you know how to maximize your Social Security? Do you know how to turn your 401(k) into a lifetime income stream? Are you concerned about the impact of taxes and the rise in cost of living? We want to help. Our team specializes in strategies to help you have the peace of mind to know you are protected and secure.

Estate and Final Expense Planning

You work hard for your money, not only for your own comfort but also to provide comfort for others. We can help you to maximize the benefit you leave to your loved ones or charity of your choice.  Effective estate planning can help to reduce or eliminate estate taxes when assets transfer from one generation to the next. Don't get caught without the proper planning. By implementing an efficient estate plan we can help ensure a smooth transfer and help to avoid higher taxes, fees and probate.
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For More Information...

AFFORDABLE CARE ACT (ACA/"ObamaCare")

Ivy and Sage LLC would like to help you with the Marketplace and the Affordable Care Act ("ACA" or “ObamaCare”) to obtain subsidized health insurance for the upcoming year.

The only reason to register on the Marketplace is if you qualify for a subsidy under the Affordable Care Act (ACA). Eligibility is based on your household size and income:


 Family Size                Income Range
      1                       $12,140 – 48,560
      2                       $16,460 – 65,840
      3                       $20,780 – 83,120
      4                       $25,100 – 100,400
      5                       $29,420 – 117,680


We are glad to help with every step of the process but believe you would be more comfortable entering your personal data on your own and then get back with us to help compare and choose coverage.


  • Step 1:  Go to www.Healthcare.gov and choose “Get Coverage”, Select “Florida”, and “Apply Now”
  • Step 2:  Create a Marketplace account (you need to have a valid email address)
  • Step 3:  Verify your personal information – email and identity, answer random questions
  • Step 4:  When asked if someone is helping you, please input AGENT/broker ID (for Ivy and Sage):  Nina Walters, FFM User ID is NINAINFL, NPN# 15963089
    (ps:  there is no cost to you to input an agent; the pricing is the same with or without an agent)
  • Step 5:  Note: If you’re planning on coverage for a family – always select (1) for individual (the first time you are asked). There will be an opportunity to enter additional family members. Otherwise you enter the information twice. When you answer that you make less than a subsidy amount, you must indicate that you want help paying for your plan.
  • Step 6: After you enter your estimated adjusted gross income for the year of coverage, you can view your tax credit amount (subsidy) in your Eligibility Results Report (don’t print it – 14+ pages of paper!!! You will receive the report in the mail), and then continue on to the plans. If your income changes drastically during the year, we can always go back into the system and make changes.
  • Step 7:  This is where Ivy and Sage LLC can help! When you get to this point, please save and exit and make an appointment to get back with us. We can help you select the best plan for you and your family! Bring your user id and password.

We also represent Health First and Cigna insurance companies OFF the Marketplace (non-subsidized plans).

If you are interested in plans with Florida Blue / Blue Cross Blue Shield / Florida Health Care – we can refer you elsewhere.


ABOUT

As independent agents, we possess access to hundreds of companies and products. That allows us to choose the product that best suits our clients without prejudice. Our loyalties are with you, and we are dedicated to exceeding your expectations. Our aim is to have a lasting long-term relationship with you and your family and we do that by listening to you and your needs, providing only top-rated products to help meet those needs, and provide clear, easily understood explanations of financial products and strategies.

Our advisors have many years of experience providing clients with sound financial advice. We are anxious to use our expertise to help you achieve your financial goals. Free consulatations available; commissions paid by 

Life can take unexpected turns, and a flexible financial plan means you are able to go with the flow.
  1. Licensed Insurance Agent/Owner
    Nina L. Walters
    Licensed Insurance Agent/Owner
    Florida License W015014 NPN 15963089

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CONTACT INFO
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If you have any questions, please do not hesitate to send us a message.
We aim to reply within 24 hours.
Address:
150 Interlachen Road
Melbourne, FL 32940
 
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Telephone:
(321) 775-0735
Fax:
(877) 319-5069