About Alvin Lynn III
A 20-year Army veteran turned CLTC & CAA professional — committed since 2013 to ensuring families never face life's hardest chapters without a plan.
Alvin Lynn III,
CLTC, CAA
Alvin Lynn III spent 20 years serving in the U.S. Army, then built a successful career as a senior leader in the home security industry. But everything changed when he witnessed firsthand the financial and emotional toll a prolonged long-term care event took on his spouse's family — savings drained, relationships strained, impossible choices made at the worst possible time.
He couldn't unsee it. So, he made it his mission.
Since 2013, Alvin has worked as a Certified in Long-Term Care (CLTC) and Certified Annuity Advisor (CAA) professional, helping individuals, families, and business owners plan for retirement, protect their income, and preserve their wealth — so they never have to face life's hardest chapters without a plan.
One Integrated Plan.
The biggest planning mistakes happen when each decision is made in a silo. We coordinate all four together.
Social Security Strategy
The most valuable guaranteed, inflation-adjusted income stream most retirees will ever own — and the strategy question isn't whether to take it, but when, and how to coordinate it with taxes and survivor benefits.
Medicare Planning
Medicare planning matters because Original Medicare (Parts A and B) doesn't cover everything—retirees still face deductibles, 20% coinsurance with no out-of-pocket cap, prescription drugs (a separate Part D plan), dental/vision/hearing, and long-term custodial care. Choices like Medicare Advantage vs. Medigap, drug plan selection, enrollment timing, and income-related surcharges (IRMAA) all affect actual out-of-pocket costs.
Annuity Income Planning
As a Certified Annuity Advisor, Alvin helps clients evaluate whether an annuity closes the gap between guaranteed income and essential expenses — so market volatility never threatens housing, food, or healthcare.
Long-Term Care Protection
Roughly 7 in 10 people who reach 65 will need long-term care — and Medicare does not cover it. A single nursing home stay can cost $130,000+ per year. This risk belongs at the center of your plan, not the edge.
Before working with Alvin, I had no idea how much of my Social Security could be taxable, or what long-term care might actually cost. He pulled everything together into one plan that finally made sense. I sleep better knowing my family won't face what his family went through.
Alvin helped us see that our claiming decision wasn't just a math problem — it was a household decision that would affect both of us for the rest of our lives. His approach to coordinating our annuity income with our Social Security timing was something no one else had ever shown us.
As a fellow veteran, I trusted Alvin immediately. He helped me understand my VA Aid and Attendance benefit options alongside a long-term care strategy for my wife and me. His military background means he speaks our language — and his CLTC credential means he actually knows this stuff cold.
We had an in-person meeting with Mr. Lynn in his office. He explained our options across several different plans and helped us find the benefits we were looking for. After making our decision, he filled out our forms to get us started. He has made multiple follow-up checks on our status with the new insurance, making sure we were always well informed. Mr. Lynn has great knowledge of Medicare services. Very professional.
Mr. Alvin has been wonderful, attentive, knowledgeable, and professional through a very tedious process to get the right insurance product I needed. He provided a product that met all my needs, and it was reasonable and very competitively priced. Thank you Mr. Alvin for all you did.
Alvin Lynn is a person that cares about an individual's health and wellness. He is not your average insurance agent that is out to sell a product. He promotes securing a health care package that fits your individual need and makes your life carefree and less complicated! He comes highly recommended.