Financial Advisor - Virtual or In-Person - Financial Planning - Guiding you through a simple three step process to prepare for the future while enjoying today.

The About You Section: Questions to start:
● What do you want?
● Where are you today?
● Where do you want to be in the future?
● How are you going to get there?
● What does your ideal life look like?

Answering these questions is a challenging task.

But you don't have to do it alone.

I help busy professionals create their work free life

Quit the rat race

And plan your victory lap

Retirement means something different to everyone - Run your race your way

It all starts with a plan
● Your plan is based on what you want and where you want to go.
● Investments are a piece but not the whole picture
● Know your cash flow to see your life today and how your situation works in the future
● Protect yourself and your family from the unknown

𝐇𝐨𝐰 𝐓𝐨 𝐆𝐞𝐭 𝐈𝐧 𝐓𝐨𝐮𝐜𝐡 𝐖𝐢𝐭𝐡 𝐌𝐞
● Office Number - 973-882-3600 
● Email - EDrury@usfsc.com

A little bit about me:
● Travel Enthusiast
● Husband and Father
● Avid Reader
● Financial Advisor With A Passion For Helping People Live Life Today and Be Confident About Tomorrow

𝐉𝐨𝐢𝐧 𝐌𝐲 𝐄𝐦𝐚𝐢𝐥 𝐋𝐢𝐬𝐭
● My Weekly Newsletter Designed To Have Some Fun With Tech, Books, Food Items, Or Anything Else I've 
   Found Interesting That Week
● You'll Receive Market Updates As Well
● Email me at EDrury@usfsc.com and I'll be sure to include you on the next one!

𝐀𝐛𝐨𝐮𝐭 𝐌𝐲 𝐅𝐢𝐫𝐦
Our Mission at US Financial Services is to Help Our Clients Live Life Today and Be Confident About Tomorrow.

Founded in 1989, US Financial Services is an independent family owned financial planning office that is dedicated to serving individuals and businesses by tailoring solutions to your unique needs that reflects your personal philosophies.

Full list of services
Financial planning, financial advice, wealth management, stocks, bonds, mutual funds, exchange traded funds, annuities, REIT's, BDC's, life insurance, disability insurance, health insurance, long term care insurance, 401(k)'s, corporate benefits, stock option planning, coordinate tax planning with your accountant, budgeting, and more.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. U.S. Financial Services, LLC is not affiliated with Kestra IS or Kestra AS.

Evan Drury, ChFC®

The Health Advocate: Health Insurance Consulting Services

I specialize in helping high-income self-employed individuals and small businesses reduce health insurance costs without sacrificing coverage quality.

✅ Private plans (not income-based)
✅ 20–30% lower premiums
✅ Nationwide PPO networks
✅ Ideal for healthy individuals/families

If you're self-employed and overpaying — I’ll help you fix that. Fast.

➤ DM me or visit https://calendly.com/thehealthadvocate

Health Insurance Consultant

Owner

1st Gen Entrepreneurs

Member

Helping Entrepreneurs Uncover Their Health Insurance Options and Find Coverage They Need Right Now | Long Term Problem Solver | Decipherer of Boring Insurance jargon

If you’re self-employed, healthy, and earning a high income — your health insurance is probably costing you too much.

Most of my clients come to me paying inflated ACA/Marketplace premiums because their income disqualifies them from subsidies. Sound familiar?

I help entrepreneurs, freelancers, and small business owners switch to private network plans that:

Aren’t based on your income

Travel nationwide

Often save you 20–30% monthly in premiums

And give you the PPO network coverage everyone always wants

I do all the research, simplify the jargon, and guide you to a smarter, more sustainable solution — without sacrificing quality of care.

Check out my website to see if we're a good fit -> https://thehealthadvocate.co/

💬 Or just DM me “Insurance” and I’ll send the details.

Mitchell Underwood

Now this is really something 

Two different connection requests
6 hours apart

Exactly the same message 🤦‍♂️

Also, anyone else ever been told they have warrior blood by a complete stranger before?

I’m not a LinkedIn guru or anything but I feel like thats a bit much 

Filing this under “What in the automated hell” category

Anyone else seen this before?

Helping High-Income Self-Employed Save 20–40% on Health Insurance | Private Plans | No Income-Based Pricing | Nationwide Coverage

No alternative text description for this image

75 hard enthusiasts, sober living folks, etc I respect the hell out of yall, but you can skip this post 


Anyone else thinking they might crack a beer tomorrow morning for this one? 😂👀

USA vs Canada for the Gold Medal in Hockey

7 am cst. Unreal start time for such a huge game but they are playing in Milan, so 🤷🏻‍♂️

Canada boasts probably the two best players in the world in Connor McDavid and Nathan Mackinnon + maybe the most talented team overall we’ve ever seen

Yet, they’ve struggled their last two games and have come pretty close to losing

Which gives me hope the USA can pull this thing off 

If you saw their match up last year at the Four Nations, you know this game will be incredibly intense. Pic below for reference.

That said, beer or no beer, who ya got!?

I got the US winning 4-3, game winning goal scored by Brock Nelson of the one and only Colorado Avalanche

Last week, a prospect I’d spent weeks helping texted me out of nowhere.

“No thanks. Going another direction.”
 
Wouldn’t take my call.  
Wouldn’t share why.  
After nothing but good conversations and zero objections.
 
Totally blindsided me, as there was zero hint of any concerns, dissatisfaction, or uncertainty

And to be honest, this one hurt for some reason. I've developed a thick skin over the years but this one actually struck a nerve. 
 
→ Fast forward to this week.
 
A small business owner who was about to get crushed by a brutal group renewal expressed how incredibly grateful he was for my help, saying that with my help, they had dodged a bullet after I was able to restructure their benefits package and save them over 3k a month in premiums

Same job.  Same effort.  Very different outcomes.
 
That’s the self-employed world.
 
One day you’re feeling frustrated and defeated, questioning what you did wrong

The next you’re reminded of exactly why you do what you do.
 
IYKYK

Friendly reminder: you can make an impact here by simply “liking” someone’s post

Sometimes a connection of yours sees that in their feed

And it leads them to someone whose help they’ve actually been looking for 

I know because it happened to me this week

All because one of you “liked” a post of mine 

So, even if you don’t have time to comment

If you see a post that resonates, someone whose work you support - drop a like or react

Not to be nice or to give them an ego boost 

But because it just might actually get them a client

2 ways self-employed people get blindsided by rising health insurance costs and how to avoid it
 
If you’re self-employed, your income isn’t static.
 
And that’s exactly where problems start.
 
 
1️⃣  Success can make your premiums explode
 
Year 1 in business?  Maybe you qualified for a large ACA tax credit.
 
Your family’s premium might have been:  
→ $0  
→ $100/month  
→ Very affordable
 
But Year 2?
 
Revenue grows.  
You update your projected income.  
The subsidy shrinks.... or disappears entirely.
 
And suddenly…
 
That $100/month plan becomes $1,300/month.
 
I’ve seen it happen.
 
Because ACA subsidies are income-based, the more you make, the less help you get. If you cross certain thresholds, you’re paying full price and that price isn’t small.
 
𝗛𝗼𝘄 𝘁𝗼 𝗮𝘃𝗼𝗶𝗱 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝗰𝗿𝘂𝘀𝗵𝗲𝗱 𝗯𝘆 𝘁𝗵𝗲 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲:
 
If you don’t qualify for subsidies (or won’t next year), it may be time to evaluate private PPO options outside the Marketplace.
 
For healthy families without pre-existing conditions, private coverage can often run 20–30% less than an unsubsidized ACA plan - sometimes with better networks and lower deductibles.
 
The key is being proactive before your renewal hits.
 
 
2️⃣ Auto-renew can create a tax bomb
 
This one is sneaky.
 
If your Marketplace plan auto-renews and you don’t update your income, the system may use last year’s income projection.
 
If you made significantly more this year but kept receiving advance premium tax credits…
 
You could owe that money back.
 
All of it.
 
I’ve seen five-figure repayment bills.
 
Imagine thinking your coverage was “cheap” all year…  Only to get hit with a $15,000–$20,000 tax bill because you unknowingly took subsidies you didn’t qualify for.
 
𝗛𝗼𝘄 𝘁𝗼 𝗮𝘃𝗼𝗶𝗱 𝘁𝗵𝗶𝘀:
 
→ Always update your income projection with the Marketplace  
→ Don’t assume auto-renew means “everything is handled”  
→ Recalculate what your real premium should be  
→ If the updated premium is no longer affordable, explore alternatives
 
 
The bottom line:
 
When you’re self-employed, your health insurance costs are directly tied to your income decisions.
 
And your success could come with a lot of unforeseen costs if you aren't prepared or know how to navigate the health insurance landscape

If your income is growing or you feel you're definitely underpaying based on what you're bringing in each month, it’s worth reviewing your situation before tax season does it for you.
 
Because the worst surprises in this industry don’t happen during enrollment.
 
They happen when you file your taxes.

Texting a prospect and my phone just auto corrected “take you through the application” to “take you through the apocalypse” 

Which is kind of fitting for our healthcare system, to be fair 😂😂😂

So yeah, dont go through it alone, work with a pro - Ive seen it all 

That’s all I got today, stay safe out there yall ✌️

“I figured it would be like $500-$600 a month. $1300? WTF”

Sadly, many who leave their employer under estimate the cost of health insurance and end up feeling like this 

Stunned. Shocked. 
Highly annoyed - to put it lightly

They didn’t realize just how much their employer was subsidizing the cost of their plan

Until they saw their COBRA rate or shopped their Marketplace options 

And got gut punched by reality

Which is exactly why I recommend speaking to someone about your situation BEFORE you put in your two weeks and decide to make that leap


—> Yet, it always depends. This isn’t always the case

Because for every person that’s been hit with sticker shock

There are just as many I’ve encountered that are pleasantly surprised 

Who thought their family plan could be 2k/month and are perfectly ok with $900-$1200

Or even better - a family planning for a low income first year in business finding out they qualify for a tax credit to bring down the cost of their premium dramatically…from a few hundred a month to even $0/month

—> How to know where you’ll land? Or what the best fit is?

You could google it for a while and get some idea, poke around in the dirt, maybe make some mistakes

Or you can get straight to the point and send me a DM. 

There are many different variables to consider(Health, income, age, timing, qualifying events, etc) and I can help you make sense of all of it, quick

And get straight to the point 

During 1 short conversation 

“Based on what you’ve told me, this is what you can expect. These are what types of options you can explore. This is around what they will cost” 

Vs trying to figure it out on your own. 

Or worse, pulling the trigger without knowing and getting gut punched with surprises. 

If you have any questions, send me a DM.

You woke up without a job... not because you lost it, but because you bet on yourself.
 
You open your eyes.
 
6:00 AM.
 
For a split second, your body expects the old routine. The alarm. The rush. The commute. The meetings.
 
But then you remember…
 
You don’t have to be anywhere.
 
No boss.  No clock-in time.  No one watching.
 
You lie there for a minute longer than usual.  Freedom feels good.
 
And then it hits you.
 
Your paycheck isn’t guaranteed anymore either. 
 
No direct deposit every two weeks.  No HR department.  No employer-sponsored health plan quietly covering you in the background.
 
That coverage? It ends at the end of the month.
 
And now it’s on you.
 
This is the part no one talks about when you go self-employed.
 
You prepare for revenue swings.  You prepare to sell.  You prepare to market yourself.
 
But most people don’t prepare for navigating health insurance alone.
 
You quickly realize:
 
→ The plan you had through work was heavily subsidized  
→ The marketplace premiums are higher than you expected  
→ The networks look… different  
→ And suddenly you’re responsible for protecting your income, your health, and your family
 
This is where excitement can quietly turn into stress. 

And many people come to me this way, worried and unsure of what's next when it comes to health coverage, almost second guessing if they put the cart before the horse. 

HMO? PPO? EPO?
Premium Tax Credits?
Projected household income? Based on what? 

So many of these questions and more flood your brain the moment you actually start to look and to be frank, it is absolutely overwhelming. 

But I don't believe that being self employed should mean settling for confusing, overpriced coverage or crossing your fingers and hoping nothing happens.
 
It just means the strategy changes.
 
And that’s where I come in.
 
You bet on yourself.
 
Now let’s make sure you’re protected like someone who did. 

Send a DM if you're tired of dealing with this monkey business alone and just want good, affordable coverage that you can actually understand for once.

taplio

The Battle

Evan Drury, ChFC®

Mitchell Underwood

Followers

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taplio

The Battle

Evan Drury, ChFC®

Mitchell Underwood

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Mitchell Underwood's LinkedIn Performance

Ready to grow your LinkedIn presence?

Performance ScoreMitchell Underwood's LinkedIn Performance