Carl Berger, Licensed Health Insurance Agent.

I'm a proud St. Louis native — Vianney grad; studied marketing and business at Southeast Missouri State — and I've been helping people with Medicare since 2013. I founded Retirement Resources, Inc. in 2014, and since then my team and I have helped thousands of people across multiple states navigate Medicare with confidence.

What I truly enjoy is helping people really understand their options — making them feel confident and comfortable with their decision, and letting them know they have someone for the rest of their lives to help them. We're not a call center or a one-time enrollment service. Medicare isn't a one-time decision. It's a journey. Plans change, your health changes, and our job is to make sure you always understand what you have and why.

More than anything, I want the people I work with to feel informed, not sold to. Honest answers, plain English, year after year. We're here for this decision and every one that comes after it.

Away from the office you'll find me with my family, playing golf, biking mountain and road trails, or near the water whenever possible.

How I work with clients

I sell both Medicare Advantage and Medicare Supplement plans, which means I don't have a reason to push one over the other. We start with your doctors, your prescriptions, and what matters to you — then I tell you which one fits. That's it. If your situation changes next year, we adjust. If a plan you're on changes for the next plan year, I call you.

I'm licensed across 16 states (Missouri's home), and I work with clients in-person at our St. Louis office, on the phone, or on video — whichever you prefer.

Credentials & certifications

Where I'm licensed

What I write about

I write the cornerstone guides in our Learning Center myself — in my own voice, the same way I'd explain things sitting across from you in my office. I check every figure against the latest CMS release each year, so the numbers stay current, and every piece is "updated for 2026" and reviewed annually. When I bring another licensed voice onto the writing, you'll see their name on the byline; for now, these are mine.