Protect Your Health & Wealth In Retirement

Atlantic Legacy Advisors helps Delaware residents simplify Medicare and retirement income so they don’t outlive their money or leave their family guessing.

Founded by Lia Ayub, a licensed insurance and retirement professional helping retirees make confident decisions about their health and wealth.

Credentials

Licensed Professional

Partnerships

Top Carrier Partners

Licensed In

Delaware

Retirement Shouldn’t Feel Like Guesswork

For many retirees and pre‑retirees, planning feels like a maze:

Common worries:

Confused by Medicare choices and deadlines

Every time you get a new letter or see another ad, it just adds to the noise. You don’t want to make a costly mistake or miss an important enrollment window.

Worried about running out of money in retirement

You’ve worked and saved for decades, but it’s hard to know if it’s really enough. Market swings, inflation, and rising costs make it feel like you’re always one bad year away from trouble.

Unsure how medical costs fit into your retirement income

You know healthcare will be one of your biggest expenses, but you’re not sure how to plan for premiums, deductibles, prescriptions, and unexpected events.

Don’t want to leave your spouse or family unprepared

You’re concerned that if something happens to you, your loved ones would be left sorting through complicated accounts, policies, and decisions on their own.

What life can look like instead:

Clear Medicare coverage that fits your needs and  budget

We walk you through your options in plain English so you understand exactly what you’re getting, what it costs, and how it protects you.

A written retirement income plan you can actually understand

You see where your income will come from, how long it’s designed to last, and how it adjusts for healthcare costs, so you can spend with more confidence.

Confidence your spouse and family are protected

You know which benefits they have, what policies are in place, and where everything is, so they’re not left guessing during an already difficult time.

An ongoing partner to call when things change

As laws, plans, or your life situation changes, you have a trusted advisor you can call instead of trying to figure it out alone.

Service Overview

Medicare & Health Coverage

Compare options and choose coverage that protects your health without overpaying.

Retirement Income Planning

Turn savings into predictable income so you can enjoy retirement without constant money stress.

Legacy & Protection Planning

Use life insurance and other tools to protect your spouse and leave a clear legacy.

How We Work Together

Schedule Your Call

Pick a time that works for you.

Review Your Situation

We walk through your health, income,and goals together.

Get Your Custom Plan

You leave with clear next steps and options.

- Our Founder

Lia Ayub

I’m Lia Ayub, founder of Atlantic Legacy Advisors. I specialize in helping retirees and pre‑retirees make confident decisions about Medicare, retirement income, and legacy planning. My job is to explain your options in plain English so you can choose what’s right for your family.

Frequently Asked Questions

  • Q: Does the first call cost me anything?

    A: Nothing. Your first call is a free, no‑obligation conversation. We’ll use 20–30 minutes to understand your situation, answer your immediate questions about Medicare and retirement income, and see if we’re a good fit. If you decide not to move forward, you’ll still leave with more clarity than you had before.

  • Q: What happens during the first call?

    A: We’ll walk through three things:


    1. Where you are today (age, current coverage, retirement timeline, family situation).
    2. What you’re most concerned about (healthcare costs, running out of money, protecting a spouse, etc.).
    3. What options you may have based on your situation. There’s no paperwork on this call and no pressure to make decisions on the spot. The goal is simply to give you clear information in plain English.

  • Q: How are you paid?

    A: In many cases, we are compensated by the insurance companies when you choose a plan or policy through us, not by charging you an extra planning fee. That means you get personalized guidance and support without paying more than you would by going directly to a carrier on your own. If there is ever a situation where a separate fee applies, we’ll explain it clearly before you decide anything.

  • Q: Who is Atlantic Legacy Advisors best suited for?

    A: We primarily work with retirees and pre‑retirees who are within about 10 years of retirement or already retired. Most of our clients are looking for help with Medicare decisions, coordinating healthcare with their retirement income, and making sure their spouse or family is protected. If you value clear explanations and want a long‑term partner, we’re likely a good fit.

  • Q: Can we meet virtually or do I have to come into an office?

    A: We can meet however you’re most comfortable. Many clients prefer virtual meetings (phone or video) so they can review everything from home. If you’re local and prefer to meet in person, we can arrange that as well. The entire process can be done remotely if needed.

  • Q: Am I locked into anything if we talk?

    A: No. A conversation with Atlantic Legacy Advisors does not obligate you to work with us or to enroll in any plan. You control every decision. Our job is to educate you on your options and guide you if and when you choose to move forward.

If you’re within 10 years of retirement or already retired, a 20‑minute conversation can save you years of uncertainty.

Book Your Free Retirement Checkup

Atlantic Legacy Advisors

Phone: (302) 291 - 3499
Email: lia@atlanticlegacyadvisor.com
Office: Lewes, Delaware