Guidance Rooted in Education. Relationships Built on Trust.

I believe protecting your future begins with understanding your options. My commitment is to provide thoughtful, personalized guidance that helps you make informed decisions for yourself, your family, and the life you're building.

Tracey Garnett | TG Insurance Group

Hi, I'm Tracey.

I'm an independent insurance professional and retirement education specialist who believes that understanding your options is the foundation for making confident financial decisions.

Through TG Insurance Group, I help individuals and families explore retirement planning, Medicare, life insurance with living benefits, supplemental health coverage, and employee group benefits.

A meaningful part of my work involves helping educators and school employees understand retirement benefits, including TRS pensions, 403(b) plans, and 457(b) plans.

While supporting educators is an important part of my work, the same education-first approach guides how I serve every client.

I take the time to listen, explain your options, and help you understand not only what you're choosing, but why it may make sense for you.

— Tracey Garnett

Why Clients Choose to Work With Me

My approach is built around education, personal attention, and helping you understand your options before making important decisions.

01

Education First

I believe informed decisions begin with understanding. I explain your options clearly so you can move forward with confidence.

02

I Listen Before I Recommend

Your goals and priorities matter. I take the time to understand your situation before discussing solutions.

03

Independent Options

As an independent insurance professional, I can help you explore options from the providers available through my appointments and partnerships.

04

Experience Across Life Stages

From protecting your family to preparing for retirement and navigating Medicare, I provide guidance through important transitions.

05

Specialized Experience With Educators

I work closely with school employees to help them understand retirement benefits, supplemental savings opportunities, and future income needs.

06

Ongoing Support & Annual Reviews

My commitment doesn't end after your initial consultation. I offer ongoing guidance and periodic reviews to help you revisit your coverage and planning needs as life changes.

Who I Work With

Guidance for Every Stage of Life

I work with individuals, families, educators, retirees, and business owners who want to make informed decisions about their financial protection and future.

Individuals & Families

Helping individuals and families explore life insurance, living benefits, and supplemental coverage to protect the people and priorities that matter most.

Educators & School Employees

Supporting teachers, administrators, and school staff in understanding TRS benefits, 403(b) plans, 457(b) plans, and retirement preparation.

Pre-Retirees & Retirees

Helping those approaching or enjoying retirement understand income strategies, protection options, and decisions that may affect their financial future.

Medicare-Eligible Individuals

Guiding individuals who are new to Medicare, leaving employer coverage, or reviewing existing plans through enrollment options and coverage considerations.

Business Owners & Employers

Helping business owners and employers explore employee group benefits, supplemental coverage, and insurance solutions that support their workforce and business priorities.

My Philosophy

“Education first. Decisions second. Because confidence begins with understanding.”

Let's Connect

Your Future Deserves a Thoughtful Conversation.

Whether you're exploring retirement options, navigating Medicare, protecting your family, or considering employee benefits, I'm here to help you understand your choices and take the next step with confidence.

Schedule Your Free Consultation →

Employee Benefits That Go Beyond the Basics

A strong employee benefits package can provide valuable financial protection and peace of mind for employees and their families.

I help businesses and their employees explore voluntary benefit solutions, including accident, critical illness, hospital indemnity, and other supplemental insurance options designed to provide additional financial protection when unexpected events occur.

Whether you’re an employer looking to enhance your benefits package or an employee exploring additional coverage, I’m here to provide personalized guidance and help you find options that align with your needs and budget.

Retirement Planning for a More Confident Future

Retirement isn’t just about saving money—it’s about preparing for financial security and dependable income throughout your retirement years.

I help individuals and families explore retirement solutions designed to grow their savings, protect their assets, and create income for the future.

Whether you’re just starting to save, approaching retirement, or reviewing your existing accounts, I’m here to provide personalized guidance tailored to your goals, timeline, and financial needs, with specialized support for educators and working professionals.

Supplemental Health Coverage for Life's Unexpected Moments

Even with health insurance, unexpected medical expenses can create financial stress.

I help individuals and families explore supplemental health insurance options designed to provide additional financial protection when unexpected illnesses, injuries, or hospital stays occur.

Whether you’re looking for accident coverage, critical illness protection, or hospital indemnity insurance, I’m here to help you understand your options and find coverage that complements your existing health insurance, needs, and budget.

Medicare Coverage That Fits Your Needs

Understanding your Medicare options is an important part of planning for your healthcare and retirement. I help you explore Medicare Advantage, Medicare Supplement, and prescription drug coverage options based on your healthcare needs, preferred providers, and budget.

Whether you’re new to Medicare or reviewing your existing coverage, I’m here to provide personalized guidance to help you make informed decisions with confidence.

Life Insurance That Protects What Matters Most

Life insurance is more than just a policy—it’s a way to help protect yourself and the people who matter most.

I help individuals and families explore life insurance solutions designed to provide financial protection and peace of mind. Certain policies also offer living benefits, which may allow you to access a portion of your death benefit while you’re still living if you experience a qualifying critical, chronic, or terminal illness.

Whether you’re looking to replace lost income, cover final expenses, or strengthen your family’s financial future, I’m here to help you find coverage options that align with your needs, goals, and budget.