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Ironside-Iron-CoreBenefits, Ventura, CA (2026)

Scott Heitkemper, Federal Retirement Consultant, brings a unique perspective shaped by his upbringing on a small farm in Northern Wisconsin. Rooted in the values of hard work, his 15 years of exclusive dedication to assisting federal employees revealed a common gap—many lack comprehensive knowledge about their benefits package. Recognizing the vital link between education and successful retirement planning, Heitkemper is driven by the belief that informed decision-making is the cornerstone of a secure financial future. His tailored process empowers clients to navigate the complexities of their benefits, enabling them to attain financial independence and realize their personal aspirations. With a steadfast commitment to staying updated with the latest in educational resources, Heitkemper actively contributes to enhancing nationwide literacy in the FERS and CSRS retirement systems, along with other federal benefits. Holding esteemed certifications in Federal Retirement Benefits, Medicare, Social Security, and retirement planning

Furthermore, in regard to Federal benefits consultations we strive to operate in the strict conformity with the guidance provided to Federal employees as contained within OPM Benefits Administration Letters (BAL 06-202 and BAL 14-206), both of which are intended to curtail insurance misrepresentations and deceptive sales practices upon Federal employees.

10/14/2026

10/13/2026

MEDICARE OPEN ENROLLMENT BEGINS OCTOBER 15

Medicare can be confusing, and heading into 2027, there are plenty of questions.

What changed with my plan?
Are my prescriptions still covered?
Are my doctors still in network?
Should I have Medicare Advantage or Original Medicare with a Supplement?
What can I change, and when can I change it?

One important starting point:

Medicare Open Enrollment runs October 15 through December 7.

This is the annual opportunity to review and make changes to Medicare Advantage and Part D prescription drug coverage for the upcoming year.

And remember, January 1 through March 31 is a different enrollment period, the Medicare Advantage Open Enrollment Period, which applies to people already enrolled in Medicare Advantage.

Medicare decisions shouldn't be based on television commercials, mailers, rumors, or what worked for someone else.

Your health. Your medications. Your doctors. Your budget. Your Medicare.

Ask questions. Verify the information. Understand your choices before making a change.

Good Medicare decisions start with accurate information.

10/11/2026

THIS IS NOT AI Generated!!

Ironside’s Medicare Minute:
Why Did Some Medicare Beneficiaries Receive $90?
CMS is issuing a one-time $90 Medicare Part B premium rebate to certain beneficiaries in October 2026.
Eligible beneficiaries generally must have Original Medicare Part B, live in the United States, pay their own Part B premium without Medicaid premium assistance, and not pay IRMAA. Medicare Advantage beneficiaries are not eligible.
The money comes from the Medicare Improvement Fund, established by Congress in 2008 for improvements to Original Medicare Parts A and B
Fact’s not Just Fiction!

07/04/2026

A new chapter begins.

Scott Heitkemper Wealth and The Federal Retirement Expert have evolved into Ironside Benefits.

A stronger name. The same commitment to helping you navigate your benefits and retirement with confidence.

Welcome to Ironside Benefits.

11/27/2025

🦃 Thanksgiving Message🦃
"On this day of gratitude, may your table be full, your heart be light, and your blessings overflow. Wishing you and your loved ones a joyful Thanksgiving filled with laughter, love, and cherished memories."

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Ventura, CA

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+18057657229

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