We Put the Care In Medicare

At Next Step Advisors, We put the CARE in Medicare by providing YOU an easy, no fee, no pressure experience with a local Arizona Advisor

Save Time

Save weeks or months of confusing and time-consuming research and worry.

Expert In Your Corner

Have an experienced advisor to turn to for advice and guidance on everything Medicare.

No Cost To You

We charge no fees to our clients and work with all major Medicare insurance companies to find the right plan for you.

Bob Spencer

Bob Spencer, a Tucson native, attended the University of Arizona and is a dedicated problem solver with nearly 40 years of experience in the insurance industry. He has operated a successful insurance agency and has been designated a Life Underwriting Fellowship Member and a member of the Life insurance Diamond Club (top 1% of insurance agents), the Toppers Club (top 5% of insurance agents and managers), and the Life Master Club (top life insurance agents across the country). He sees every client as a personal friend and strives to make sure each has the best coverage possible and is aware of all of their options. Bob knows the challenges of the business world from his years in the construction business; he helped build some of the institutions that we use today, including the University Medical Center Kitt Peak National Observatory and McKale Center Basketball Arena. Bob’s goal is to make sure that everyone has access to the great service that Next Step Advisors provides.

“I believe in doing the right thing, for the right reasons,” Bob emphasizes, “and I understand my clients’ changing needs and priorities at the various stages in their lives.”

Bob has been married for 39 years to Paula, who has also had a long career in the insurance industry as an insurance agency owner and an agent. They have two daughters and a son. Bob enjoys playing golf with his friends and is learning classical guitar, which he says keeps him mentally young.

Introduction Video

Enjoy our preview video introducing Next Step Advisors, how we work for you and samples of how we help you learn about Medicare.

Proactive Approach
To Medicare

We understand how it feels to be overwhelmed with phone calls, TV ads, and an exploding mailbox full of Medicare solicitations and not know where to turn.

Our advisors work with many companies and have personally helped thousands of clients to clear up the confusion and find the right plan for the right reasons.

We Solve the Medicare Maze for you.

I attended 4 workshops prior to this one. I wish I would have gone to this workshop 1st. I would have learned everything I needed in less than an hour.

Dr. Bob

I'm a retired teacher and the way this information was laid out and communicated was excellent.

Claudia Villar

I didn't have time to read all the material coming in the mail so I just called them. The advisor spelled out options that would work for me. Over the phone, we picked the right plan.


Two Most Effective Ways To Learn About Medicare

You don’t have to figure out Medicare on your own: Next Step Advisors gives you options every step of the way, starting with how you would like to learn more about Medicare.

Click the option of how you prefer to learn


If you enjoy learning at your own pace, Next Step Advisors provides easy to follow workbooks and an unparalleled library of short videos answering the most commonly asked questions about Medicare

Get Started or Sign In


If you would prefer talking with a licensed advisor about Medicare, everyone at Next Step Advisors specializes in personal attention to each individual client’s situation.

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A Must-Have Free Guide

This quick and easy guide will help you avoid the most common mistakes people make when they sign up for Medicare. Don’t miss this essential reading for everybody starting their journey into Medicare.

What Makes Next Step Advisors So Different?

  • Next Step Advisors provides everything you need to know about Medicare in our unique and easy-to-follow educational videos. Sign up to watch the recorded FAQs at your leisure in our education-center section.
  • Many Medicare insurance companies promote only their plans; we are independent and not beholden to anyone but our clients and their best interests.
  • You are not a one-time customer for Next Step Advisors. Our highly experienced advisors are there for you each year to help you re-evaluate your insurance coverage and adjust your policy to suit any changes in your health or financial situation.

Additional Services Offered

Life & Final Expense Coverage

How prepared are you for the unexpected loss of a family member or business partner? Most people find it confusing when trying to determine how to protect their family’s or company’s future after the loss of a loved one or business partner. The more you read, the more complicated it becomes. Wherever you are in your life, we can help you design a life insurance portfolio that will meet your family’s or business needs.

Contact us today and let one of our qualified advisors work with you to help secure your family or business’s future.

Long-term care insurance: Do you need it?

  • Single Premium Life
  • Term Life
  • Guaranteed Universal Life
  • Indexed Universal Life
  • Whole Life
  • First to Die Life/Second to Die Life
  • Final Expense Funeral Trust
  • Final Expense – Guaranteed Issue
  • Final Expense – Simplified
Life Insurance

If you have a major illness or injury, such as a stroke, heart attack or broken hip, and need assistance with activities of daily living, such as bathing or dressing, you may need long-term care. If you do need care, you may need nursing home or home care for only a short time – or you may need these services for many months, years or the rest of your life. Long-term care insurance helps you face the often overwhelming costs of this kind of care.

Long-term care insurance: Do you need it?

  • Life expectancy after age 65 is about 19.4 years (20.6 years for women and 18 years for men). The longer people live, the more likely they’ll need help due to chronic conditions.
  • About 11 million Americans of all ages require long-term care, but only 1.4 million live in nursing homes.
  • About 70% of people who reach age 65 are expected toneed some form of long-term care at least once in their lifetime.
  • About 35% of people who reach age 65 are expected to enter a nursing home at least once in their lifetime. Of those who go into a nursing home, the average stay is a year.
  • From 2015 to 2055, the number of people age 85 and older will triple, from more that 6 million to more than 18 million, increasing the number of people in long-term care.
Dental, Vision, and Hearing Insurance
Regular dental care affects not only your smile, but your health. A beautiful smile can make all the difference in your appearance and also in your overall wellness and freedom from tooth pain. At Next Step Advisors, we can help you find a dental insurance plan to let you take care of small dental concerns before they become big problems and make complex dental treatments more affordable.
Can healthy teeth help you avoid serious medical conditions? Research shows a link between periodontal disease, including gum infection and inflammation and tooth damage, and heart disease. Wisdom teeth connect to the central nervous system, heart, liver, and intestines. With a good dental insurance plan that allows you to take care of essential dental care and treatment, you help protect your overall health.

At Next Step Advisors, we also help clients add vision insurance and hearing insurance to their medical coverage to help cover costs of glasses and hearing aids, along with medical bills for vision and hearing care, diagnostics, and treatments.

Critical Illness Insurance

Sometimes called catastrophic illness insurance, critical illness insurance is a vital part of your insurance portfolio. In the event of a major health emergency, such as cancer, heart attack or stroke, critical illness insurance could be the only thing protecting you and your family from financial ruin.
Many people assume they’re fully protected with a standard health insurance plan, but the exorbitant costs of treating life-threatening illnesses are usually more than any plan will cover. Whether you face overwhelming chemotherapy costs for cancer treatment or require organ transplant, critical illness insurance can help you receive the medical care you need without jeopardizing your family’s financial future.

Because these emergencies or illnesses often incur greater than average medical costs, these policies pay out cash to help cover those gaps where traditional health insurance may fall short. These policies come at a relatively low cost, but pre-existing conditions may not be covered or could prevent you from qualifying. Don’t procrastinate: you are never younger or healthier than you are today.

Most common and most costly critical illness:

  • Cancer, representing 60% of critical insurance claims
  • Heart attack/heart disease
  • Stroke
  • Multiple sclerosis