To Speak with One of Our Highly Competent
and Friendly, Elder Planning Specialists 
Please call
(925) 256-0434 or (800) 451-1770.
Your Confidentiality is Assured.

Specialists in Seniors Insurance Services was formed from a legacy of service to the senior community. After more than 2 decades guiding Specialists in Health Insurance Services, the parent company of Specialists in Seniors, President Bruce E. Gray founded Specialists in Seniors Insurance Services. Mr. Gray began working with Medicare beneficiaries in 1966, the year that Medicare was formed, and for the ensuing 40 plus years has worked tirelessly to guide, counsel and protect his senior clients.

Seniors are increasingly subject to harsh (many would say “predatory”) tax legislation and a host of complex and confusing investment and estate rules and regulations. Many continue to make financial decisions that are essentialy unchanged from when they were much younger and had the luxury of time to counteract significant financial risk. At Specialists in Seniors we only work with seniors who are retired, with a focus on investments whose principal and interest is 100% protected, that have liquidity, that offer competitive rates of return, that are protected from creditors and offer the investor privacy and confidentially.

Contacts

Bruce E. Gray - President
bruceg@seniorchamps.com
925.256.0434 x226 or toll free 1.800.451.1770
View Bruce's full bio



Richard E. Mellor - Vice President
richardm@seniorchamps.com
925.256.0434 x232 or toll free 1.800.451.1770
View Richard's full bio


Ken Bowlus
kenb@seniorchamps.com
925.256.0434 x231or toll free 1.800.451.1770



Terri Lynn Gray - Customer Support
terrig@seniorchamps.com
925.256.0434 x229 or toll free 1.800.451.1770



Our Fees
It is a common occurrence for clients to ask us about our fees; i.e. how we are compensated. The answer is that our clients pay nothing for our services. EVER!

How can that be? The answer is simple. Our sole focus is to help our clients move into investments that, among other goals, help protect their principal and interest, provide competitive rates of return, provide liquidity and that minimize or defer taxes. When we help you place your investments, much like when a travel agent sells an airline ticket and receives a commision from the airline, the company you transfer your investments to pays us a one-time service fee. Unlike a stock broker, the companies we work with never charge commissions or sales loads, and we never charge porfolio management fees, buy/sell fees or other onerous charges. You can be assured that whenever we make a recommendation, 100% of your money goes to work for you.

At Specialists we pride ourselves in putting our clients first. We know that when we help you make better financial decisions, our business benefits in direct and indirect ways. For this reason you should never be concerned that our recommendations will ever consider the fees we receive. They will not. Each recommendation intelligently assesses the goals you wish to achieve, identifying the financial vehicle(s) that are best suited to helping you achieve those goals.