At IRACARE, We Believe -
that navigating insurance and retirement planning shouldn’t feel overwhelming. Based in Dover, Delaware, and proudly locally owned and operated, IRACARE’s professionals have been helping individuals and families make smart, confident choices for over 18 years.
Led by Wayne Creeden, a Certified Financial Planner®, IRACARE brings professional guidance with a personal touch. Whether you're looking for Medicare coverage, life insurance, health insurance, or annuity options for retirement, we work with top-rated carriers to find the right fit for your needs and your budget.
Let’s make insurance and retirement simple—together. For more information or to schedule an appointment call Wayne at (302) 376-6168
Explore plans through our trusted partner, PlanEnroll, and start your enrollment today.
Explore Delta Dental plans designed for simplicity, savings, and peace of mind.
Jeffrey C. Drury, a Certified Financial Planner® professional, has been committed to providing comprehensive retirement planning services and being a valued resource to his clients since 2007. Providing financial services on the Delmarva Peninsula, he has accumulated 18 years of experience working with various Fortune 500 broker/dealers, including a decade with Bankers Life, Bankers Life Securities Inc., and Bankers Life Advisory Services, Inc. Jeff attended Washington College in Chestertown, MD where he earned a bachelor’s degree in Business Management. He holds several industry designations, including Certified Financial Planner (CFP®), Life Underwriting Training Council Fellow (LUTCF®), and he is a member of the Million Dollar Round Table (MDRT®).
Jeff, a resident of Sussex County, Delaware, lives with his wife Elizabeth and their children, Jameson and Adelyn. When he has free time, Jeff can be found golfing, fishing, or enjoying the outdoors with his family and friends.
Let’s make insurance and retirement simple—together. For more information or to schedule an appointment call Jeffrey at (302) 381-0687
Explore plans through our trusted partner, PlanEnroll, and start your enrollment today.
Kevin Broderick, Financial Professional, has been committed to delivering successful financial services for over 20 years. Providing these services in the Mid-Atlantic market has helped develop a brand of trust and integrity. Kevin Graduated from Pennsylvania State University with a Bachelor's Degree in Business and Marketing. He is an avid automotive enthusiast, and community organizer. Kevin works with several food insecurity groups to help those with economic challenges. Being an entrepreneur, and business owner he understands the pressures of figuring out retirement, and Health Care. In his free time, he likes to tour the region on his motorcycle, go fishing, and chase his four dogs around his Lancaster County Property. His wife Jennifer can often be found at the local food bank donating time to help distribute food, and raise money. Let's get your retirement started right.
For more information, or to schedule an appointment call (215) 200-9204
Explore plans through our trusted partner, PlanEnroll, and start your enrollment today.
With over 17 years of experience in the insurance industry, Antoinette Redji has built a trusted reputation as a knowledgeable, compassionate, and forward-thinking advisor. Since 2007, she has dedicated her career to helping individuals and families find peace of mind through Life Insurance, Medicare solutions, and Retirement Planning. Antoinette believes that true security isn’t just about finances it’s about freedom from fear and the confidence of knowing that life’s unexpected turns won’t leave your loved ones unprepared. Her goal is to simplify the complex world of insurance and retirement planning, providing each client with a personalized strategy that brings clarity, comfort, and lasting protection.
Known for her warm energy, professionalism, and genuine heart for people, Antoinette approaches every conversation with care and creativity. Whether she’s guiding a client through a Medicare plan, designing a life insurance solution, or building a retirement roadmap, she ensures that every decision feels informed, empowering, and full of purpose.
Outside of her professional life, Antoinette enjoys crafting and creating beautiful things a reflection of her belief that beauty and peace can be built both in art and in life. She brings that same joy and intentionality to her work, helping others feel seen, understood, and secure.
As she looks toward the future, Antoinette is passionate about continuing her mission for decades to come helping individuals and families plan wisely, live fully, and retire confidently for the next 20 years and beyond.
With Antoinette, you don’t just gain an insurance agent you gain a partner in peace, a guide for the journey ahead, and an advocate who truly cares about your tomorrow.
For more information, or to schedule an appointment call (302) 864-7233
Explore plans through our trusted partner, PlanEnroll, and start your enrollment today.
Brian MacInnis is an independent insurance broker licensed since 2011, specializing in Medicare, health, life, annuities, and business insurance solutions. With over a decade of experience, he works closely with individuals, families, and business owners to simplify complex coverage decisions and deliver strategies that align with both short-term needs and long-term financial goals.
Brian’s approach is straightforward and client-focused. Rather than offering one-size-fits-all recommendations, he evaluates each client’s situation and provides clear, practical guidance so they can make confident, informed decisions. Whether helping someone transition into Medicare, protecting a family with life insurance, or structuring benefits for a business, his priority is always the same—clarity, value, and long-term protection.
As an independent broker, Brian is not tied to a single carrier. This allows him to offer a wide range of options and remain focused on what serves the client best, not what fits a company’s agenda. His clients value having a knowledgeable advisor who can navigate the details, stay current with industry changes, and remain accessible when it matters most.
For more information, or to schedule an appointment call (484) 630-4848
Explore plans through our trusted partner, PlanEnroll, and start your enrollment today.
Elizabeth L. J. Smith, Owner and Director of True North Associates, brings together a unique blend of 30 years as a nurse and over a decade in insurance and financial services. This rare combination ensures that every recommendation is informed by practical care experience and a deep understanding of how health and wealth intersect for families. Clients often share how this background makes every conversation more empathetic, clear, and practical—especially during high-states transitions. The result is an adviser who brings calm, structure, and clarity to every interaction.
Decades in healthcare taught Elizabeth how important clear, compassionate guidance is, especially when people face complicated choices. She approaches every insurance conversation with the same dedication to education and personal service that defined her nursing career. For clients, this means decisions are explained in plain language, every option is covered, and no question goes unanswered. This care-first, education-driven approach makes the complexities of insurance manageable.
For more information, or to schedule an appointment call (443) 528-3659
Explore plans through our trusted partner, PlanEnroll, and start your enrollment today.
Adam Waskey, Founder of Harford Life Group Inc., is a licensed insurance professional with a commitment to helping families protect their financial future. What began in 2009 became an incorporated family business in 2017, built on the belief that families deserve trusted guidance from people who truly care.
As a local, family-owned agency, we take the time to understand your goals, concerns, and stage of life before recommending solutions. Through nationally recognized insurance carriers, we offer access to quality financial and insurance products while providing the personal service of a local firm.
Based in Harford County, Maryland, we proudly serve clients throughout Maryland, Delaware, and Pennsylvania. Our mission is simple: to help families feel informed, protected, and confident about their future.
For more information, or to schedule an appointment call (443) 865-3723
Explore plans through our trusted partner, PlanEnroll, and start your enrollment today.
A National Medicare Advisor | Retirement Planning Strategist
Joseph Ritter is one of the leading independent Medicare and retirement specialists in the Mid-Atlantic, a trusted advisor to thousands of clients navigating one of life’s most complex transitions. As Founder of Insurance You Keep and Valley Forge Medicare, and now partnering with IRACARE, Joe brings a unique blend of industry experience, empathy, and execution to every client relationship.
With over a decade of experience helping retirees protect their health and wealth, Joe has become known for his ability to simplify the complicated, translating hundreds of Medicare plan options into clear, confident choices that align with each client’s doctors, prescriptions, and financial goals. His agencies serve clients throughout Pennsylvania, Delaware, Maryland, and beyond, offering personalized support backed by national partnerships through Integrity Marketing Group.
Joe’s expertise spans Medicare Advantage, Supplement, and Part D plans, as well as fixed interest annuities, life insurance, and retirement income strategies. He has guided thousands of individuals through major market transitions, including the 2026 Highmark and Independence plan terminations, helping them find stability in an ever-changing landscape.
Driven by a mission to educate and empower, Joe has built one of the region’s most respected client networks—not through sales tactics, but through relationships, transparency, and relentless follow-through. His motto says it best:
“Do what’s right for people, and success takes care of itself.”
When he’s not advising clients, Joe enjoys time with his two children, Shane and Madison, and his fiancée, Yamilex. He is also a passionate creative, an aspiring actor, entrepreneur, and community advocate who believes retirement planning is not just about numbers but about designing a life you love and can sustain.
For more information, or to schedule an appointment call (610) 609-8251
Explore plans through our trusted partner, PlanEnroll, and start your enrollment today.
What We Help With:
- Medicare Advantage & Medicare Supplement Plans
- Life Insurance for individuals and families
- Affordable Health Insurance (under 65)
- Annuities for guaranteed retirement income and growth
At IRACARE, it's not about pushing a product—it’s about protecting what matters most and planning for the life you want to live. Whether you're just starting out or reviewing your coverage after a major life change, we're here to help.
* No BS Insurance, Valley Forge Medicare, Insurance You Keep, True North Associates, Harford Life Group Inc., and IRACARE are separate entities and not affiliated.
We Are Ready to Work with You!
If you need help with Medicare, Life or Health Insurance, or Annuities give us a call.
