Hello. My name is Robin Frank and my passion is helping people understand how they can meet their long-term health care needs without depleting their savings. As a member of the ColoHealth team, I now have the most thorough research and the best strategies available to help you get the most value from your health care plan.
My own personal experience has shown me just how crucial it is to be prepared and how devastating a lack of planning can be. I only learned this myself through a very personal long-term-care crisis in my own family.
We weren’t prepared for my mother’s end-of-life care needs. It was only then that I realized most people are equally unprepared for this challenge emotionally, physically and financially.
After my mother passed, my father fell and also needed around-the-clock care. He moved in with me while he recovered, and I became responsible for his caregiving and financial support. These experiences showed me how a well-thought-out plan can bring peace of mind, comfort and dignity without financial burden and help see families through difficult times.
I know that your situation is unique. That’s why I’m here to answer your questions and help you compare options so you can make the best decision possible. I will put myself in your shoes and treat you as I would my own loved ones.
Financial Planning that Works
I strive to be a great listener and compassion comes naturally to me, but I know that’s not enough. With my background in real estate, qualifying clients to help them feel financially comfortable as well as happy in their environment, I’m also very concerned about value and affordability. That helps to keep me focused on understanding which options have value to meet your needs and which may not so that you DO NOT OVERBUY this coverage.
For many people, the most reasonably-priced health plan is one that provides preventive health care services with no out-of-pocket costs for some of the lowest premiums in the industry. I can show you coverage options from the leading insurance companies with the highest ratings for financial stability.
And, I can explain how you can double the benefits of standard health insurance with a relatively new form of health plan called a Health Savings Account plan. These high-deductible plans keep your premiums low and offer IRA-like tax advantages.
With a high-deductible health plan that allows you to open a Health Savings Account, you can take a tax deduction for money saved and still spend it on health care. You won’t be taxed on HSA funds you withdraw to pay for qualified health care, and you can spend the funds on things that health insurance rarely covers, like going to the dentist. You can even pay for long-term-care premiums with pre-tax dollars from your HSA.
If you don’t need to use your HSA dollars for health care, the balance can grow like an IRA investment with tax-free earnings. As a Real Estate professional, I was trusted with the most important lifestyle and financial issues that can affect most families. Being a long-time real estate developer, my understanding of homes, land, property values and investment potential had to be keen, and tax advantages always affect the bottom line.
When I served as a Commissioner on the Zoning Board of Appeals for the City of Highland Park, my leadership affected the entire community. I was appointed to serve and protect both the city and the community by balancing ordinances with unique circumstances that made property unable to meet changing needs.
Today, I’m still working to balance immediate needs with planning for the future. Now, I find the best solutions to offer current health care while providing a structure that can sustain long-term needs.
Where I grew up in the far south suburbs of Chicago, I saw the need for financial planning to provide both health care and retirement savings. I was lucky to have been raised in a very wholesome environment that focused on family, education, spiritual understanding and giving back to society through charitable work.
My Life on the Stage
I was also introduced to the performing arts at a young age. As an accomplished actor, dancer and singer, I performed professionally since the age of eight in radio, television print media and on the stage. By the time I was 18, I was inducted into the Screen Actor’s Guild, the American Federation of Television and Radio Arts, and Actor’s Equity.
After attending the University of Illinois on a dance scholarship, I graduated with a Bachelor of Science degree and continued to work in the performance arts until I had my first child.
Family and friends are always a big part of my life, and I also find time to enjoy the outdoors, and work out at least four times a week with Yoga, Zumba or other cardio dance classes.
My three sons are growing into young men now, and I strive to pass the legacy my parents bestowed on me forward to them. I am a strong advocate of “The Golden Rule” and treat everyone with equality and respect. I hope my epitaph will be: “She always saw the cup as half full rather than half empty, and believed in helping others and ‘paying it forward.’”
My Three Sons
I hope to teach some of my core beliefs by example through my work helping people meet their health care needs. Simply put, I believe that business should always do what is in the client’s best interest first and foremost, and provide solutions as we would for our own family.
Advisors should listen intently to clients’ concerns and develop a thorough understanding of their circumstances. Only then, can we educate people to their options and present solutions tailored for their unique needs.
As a long-term care specialist, I must stay current on the best opportunities that can help you meet your current and long-term need for health care. I learned a great deal about this when I dealt with my parents’ situation, but it wasn’t until I joined the ColoHealth team that I had the resources I needed to really become an expert in this area.
So, that’s where you’ll find me now – studying all of the choices available just so I can guide you to the best option quickly and easily. I’m working to bring you the most up-to-date information, the most comprehensive solutions and the best values from the leading insurance companies. I look forward to working with you in the near future.
Colorado Health Insurance Expert