Luther Gilford, MBA, is a Medicare insurance broker, wellness educator, and author who has spent more than twenty years working at the intersection of healthcare, business, and personal well-being. His career spans roles as a health insurance professional, corporate trainer, business analyst, performance-enhancing product developer, and HBCU instructor. This diverse background gives him a unique view of how healthcare costs, insurance design, lifestyle choices, and social stress all collide in real people’s lives. Luther is the author of Healthcare & Selfcare Owner’s Manual, a practical guide that helps individuals understand the healthcare system, ask better questions, and make smarter decisions about their health, medications, and coverage options. Through Gilford Insurance Services and Gilford Consulting LLC, he works with seniors, self-insured employers, and community organizations to reduce healthcare costs, improve access, and encourage healthier daily habits. His mission is simple: help people live longer, better, and spend less doing it.