The first ninety days.

Where it stands

Two credit unions live. One league at final signature. One playbook.

Medicare is the door nobody blocks. We lead with it in every credit union and add lines in the order the credit union asks for them. Cross Valley and Patriot both asked for life within weeks of signing.

Demand is ahead of coverage, and that is the good problem. Fourteen of the sixteen accounts below sit outside our Pennsylvania footprint. We can hire into every one of them, and we will. With Gyde's licensed producers already in those states, we open them this quarter instead of next year. That is why agent capacity by state is item one.

The session

Six things to settle, in priority order. Then owners and dates.

• 01
  Target markets and agent capacityGrowth rate

  States ranked by licensed agent capacity. Which states can support in-branch Medicare Days in 2027. Where Gyde agents take credit union leads our team cannot cover in person.

• 02
  Product map, wealth, and employee benefitsRevenue per member

  Standard product list for the channel. Wealth lanes for 2027 and 2028. Employee benefits lanes. Gia turned loose on Gyde's existing Medicare book for home, auto, and life, written through our desk; which states we need appointments in first. The four open questions below.

• 03
  GydeOS and the cross-sell engineRevenue per member

  Where the Medicare team onboarding stands. Gia and the cross-sell pathway across every line in the product map. More appointments per advisor from the team we already have. Carrier uploads and admin access. The timeline decision: prep during Annual Enrollment, Medicare team live the week it ends, every line on the platform as fast as Gyde can take us from there.

• 04
  League Target 20 and who do we knowGrowth rate

  Final top 10. Owner and first introduction named on each. Introductions for Texas, Florida, and Georgia.

• 05
  Operating modelBoth

  George Nahodil's role. One shared pipeline view. Contract process and approvals. Annual Enrollment overflow agents for 2027.

• 06
  Launch kit, whitepaper, and eventsGrowth rate

  Launch kit v2 owner and delivery date. Whitepaper release plan and announcement order. Reimagine 2027 and league event budget.

• Close
  Owners and dates

  Every item above gets a name and a date before we leave the room.

Product map

What we sell, what we refer, what the credit union decides.

Every credit union already has an investment partner and most hold TruStage. We never present as a replacement for either. Medicare is the door they do not hold.

Partners we work beside

Four questions to settle in the room

1. Should Iscential Markets supply fixed annuities, life, and long term care to credit union investment advisors as a wholesaler, so the advisor keeps the client and the channel still earns?
2. Do we set up two way referral agreements with investment partners, starting with Ameriprise at Patriot?
3. Which Gyde lines, such as individual health and employee benefits, go into the standard credit union product list, and who services them?
4. What is our standard answer when a credit union asks us to replace TruStage on home, auto, or life?

Wealth, employee benefits, and Gyde's members

Two layers on the same relationship, and one lane that runs the other way. Medicare Advantage stays the core.

Wealth

Gyde's members

Employee benefits

Pipeline

Sixteen accounts and the founding program. Summary level. The detail lives in HubSpot.

Top five near term: next action

Target 20

Twenty leagues for 2027. The blank cells are the ask.

Rank reflects Medicare eligible population, where Gyde can put licensed agents in a branch, and how warm our path in is today. CrossState is the model program and the referring league; its chief executive chairs the national league association, whose board has included the leaders of Cornerstone, The League, Michigan, and the Carolinas.

2027 events already dated

• NACUSO Reimagine 2027: March 30 to April 2, Encore Las Vegas. Speaker proposals are open.
• Cornerstone foCUs, a new national conference: May 4 to 7, Arlington, Texas.
• Not yet posted: The League's convention, CrossState DRIVE, GoWest MAXX, and Reach.

Operating model

Who does what, before and after the signature.

The paper

Standard terms in every agreement: the fee is a program marketing and access fee on aggregate program revenue, paid monthly, never tied to an individual policy or commission, because the credit union is not licensed. Revenue base is gross carrier commissions actually received, net of chargebacks, excluding overrides, contingent bonuses, marketing allowances, and hierarchy compensation. No change of control, equity sale, financing, or reorganization requires consent. Mutual announcement and ordinary course marketing rights. Confidentiality of terms both directions.

Contract workflow

Decisions we need from Gyde

1. Who approves anything outside the standard: a fee outside the ladder, a guaranty, exclusivity, or a term change. Proposed: Justin approves standard paper, Will or Sam approves exceptions within 2 business days.
2. Which counsel reviews non-standard redlines after close, and the budget for it.
3. Contracting entity for new agreements after close, and the plan for assigning existing agreements if the entity changes.
4. Where executed agreements and due diligence packages live so both teams can find them.
5. How Gyde's own partner agreements apply when Gyde agents serve a credit union's members in a market where our team is not present.
6. GydeOS: the onboarding plan with dates. Data, carrier uploads, and training during Annual Enrollment so nothing moves mid-season; Medicare team live the week of December 8; every line on the platform as fast as Gyde can take us after that.