Spotlight On: Bleu Sky’s Insurance Solutions 

Chris Assefa (photo), the owner and insurance broker for Bleu Sky’s Insurance Solutions, says that although she is licensed by the State of Florida (as well as Georgia and New York) to sell health and life insurance and variable annuities, she believes her primary function is education. 

“Health insurance, especially when it comes to Medicare and Medicaid, is incredibly complicated for most people,” Chris says. “At Bleu Sky’s Insurance Solutions, we always say that asking questions is free, so ask away! We want to make sure you understand what your options are and which plan or policy will work best for you and your family.” 

Bleu Sky’s is an independent insurance agency, so Chris and her team of professionals have access to a wide variety of companies and policies and they can help you figure out how best to take care of your needs. 

Chris is a specialist when it comes to Medicare — the lower-cost health insurance for those ages 65 and older and for those with disabilities. The former Wesley Chapel resident says that even though the Open Enrollment period to choose a Medicare plan for 2025 ended in December and the policies became effective in January, “there are still things you can do now that you might not know about.” 

For example, if you decide after Jan. 1 that you’re not happy with your Medicare Advantage plan, there is a special Open Enrollment Period — that just closed for this year (on March 31) — for Medicare Advantage plan holders only. 

“Obviously, the average person is either unsure or not even aware about a lot of this,” Chris says. “That’s why you need an expert in the field, like my company, to help guide you.” 

She also says there are some new laws on the books for 2025 that Bleu Sky’s insurance professionals can help you understand. 

“For 2025, an individual’s out-of-pocket expense for prescription drugs on their Medicare carrier’s formulary is capped at $2,000,” Chris says. “In addition, people who are dual-eligible (for both Medicare and Medicaid; the latter is the joint federal and state program which helps cover medical expenses for people with limited income and resources) are dealing with some changes as to how they can change their plans.” 

She adds that there are different levels of dual eligibility, and that those different levels are affected by this year’s new rules. 

“I know this can be confusing,” Chris says. “I really hope that if you have any questions about Medicare, Medicaid or the Health Insurance Marketplace (also known as the Affordable Care Act or ‘Obamacare’), we’ll be the company you’ll think to call.” 

To reach Chris Assefa of Bleu Sky’s Insurance Solutions, call (813) 360-1884, visit BleuSkysInsurance.com or see the ad below. — GN 

Financial Vision Can Help You Plan For Your Future; Also Looking For Team Members 

New Tampa residents Nidhi Dwivedi and Arvind Gupta of Financial Vision can help you with estate planning, life insurance and more. (Photo by Charmaine George) 

It’s easy to imagine how emotionally difficult it would be to navigate losing your spouse, but for anyone who was not prepared financially for that scenario, it makes an already terrible situation even worse. 

That’s why married couple Nidhi Dwivedi and Arvind Gupta say they started their business — which they call Financial Vision — to help clients with estate planning, wills, trusts, as well as life and health insurance. 

Nidhi explains that anyone who doesn’t have an estate plan in place could find themselves having to go to probate court, where a judge would decide what accounts they could access, which can take months to resolve. 

“There is not only a financial cost,” explains Nidhi, “but also the struggle while someone is already going through the emotional difficulties of losing their spouse.” 

Arvind adds, “Many people do not know about the importance of having a plan and appropriate documents in place for their family.” 

That’s where Financial Vision can help. And, in addition to estate planning, Nidhi and Arvind also help clients with financial and retirement planning and saving to pay for college for their kids. 

The couple lives in K-Bar Ranch in New Tampa with their children, ages 15 and 9. Both Nidhi and Arvind are information technology (IT) professionals who have long dreamed of owning their own business. They have lived in Tampa since 2007, when they moved here from India. 

Nidhi says her husband always hoped to move to the United States, and now they are living their shared dream of being entrepreneurs, with the freedom to both provide for their family’s needs and to have the flexibility to travel back to India to care for her aging parents whenever needed. 

When they realized the great need for education on financial matters, Nidhi worked to become licensed as a life and health insurance agent through the State of Florida. She often meets with clients, while Arvind works as her support “staff.” They launched their business in May of 2023, so they have been helping clients get their financial matters in order for more than a year now. 

Being a licensed life and health insurance agent means Financial Vision has access to many large companies — such as Nationwide, Fidelity and others — that offer products such as life insurance and annuities to help clients plan for their retirement and other long-term savings. 

Financial Vision offers a complimentary consultation, which can be conveniently held in your home or even online if you prefer. 

“During this consultation session,” Nidhi explains, “we delve into crucial topics such as understanding the mechanics of money, the significance of financial planning and the essentials of estate planning, including wills, trusts and strategies for avoiding probate. We also provide insights into how taxes and market volatility can impact financial stability, especially during retirement.” 

She says she and Arvind believe that financial decisions should be a shared responsibility within the household, so they make it a point to engage both spouses in educational sessions to ensure that both partners are equipped to actively participate in managing their financial affairs. 

On the estate planning side, they help people document who will be the guardian of their minor children in case something unfortunate happens, and explain documents such as wills and trusts, living wills and powers of attorney. 

Nidhi and Arvind say that the process may prove to be easier than you think, and the idea that you have to have a lawyer prepare these types of documents is a common misconception. 

They work with an online provider called Net Law, which complements their educational services. 

“Don’t procrastinate,” says Arvind. “This is important. I feel passionate about it because we have understood first-hand why you need to have it, and the cost of not having it.” 

They say that, especially if you have children, estate planning is essential, and Net Law offers a package for families at what Arvind calls an “optimized” cost. 

“It’s almost DIY,” he says. “You can do the paperwork at home, take it to a notary, and it’s done. It doesn’t take hours. It takes maybe an hour and it will really help you.” 

While Nidhi is licensed in Florida and based in New Tampa, she also is licensed in all 50 states and has helped clients across the country, as well. 

Joining The Team! 

Now that their business is established, Nidhi and Arvind are looking for partners (photo) to help them expand Financial Vision. 

If you or someone you know is interested in getting licensed and being trained by Nidhi to learn about financial services and all that they do, they welcome you to contact them. 

“You don’t need a financial services background,” Arvind says. “We’ll guide you and explain everything you need to know. This is a part-time opportunity for anyone with a passion for helping people and a willingness to learn…someone who is looking to bring in additional income.” 

One business partner they are already working with is a friend who was first a client, Kanchan Mishra. 

“We wanted to secure our family with estate planning and have the will and trust done,” says Kanchan, who adds that she has learned so much — especially the value of understanding her family’s finances and not leaving it only in her husband’s hands. 

Kanchan says that she used to think that since she’s not a citizen of the United States, she didn’t need to worry about estate planning, but she has come to learn that anyone who has any property or financial accounts in the U.S. should still have an estate plan. 

To contact Financial Vision to set up a free consultation for estate planning, creating a will and trust, planning for rolling over a 401(k) retirement savings account, planning for retirement or your children’s college education, or if you’re looking into options for life insurance — or want to join the Financial Vision team, call (813) 390-1086 or (813) 385-1601. You also can email Nidhi@ financialvision.us or visit the website at FinancialVision.us.Â