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Health savings accounts front and center amid Obamacare repeal efforts

January 12, 2017

With Republicans in Congress moving aggressively toward replacing all or major parts of Obamacare, health savings accounts are expected to become a centerpiece of managing health care-related expenses going forward. As part of the campaign to...

Where will Medicare costs go in 2017?

November 7, 2016

People are asking me where Medicare costs, specifically Part B premiums and Part B and D high-income surcharges, are going in 2017. While the final numbers have not yet been released, we know that Medicare costs have been going up dramatically....

Nationwide to buy Jefferson National

September 28, 2016

Nationwide has agreed to buy Jefferson National, a distributor of variable annuities for clients of registered investment advisers. The acquisition, which expands Nationwide's ability to sell financial products through Jefferson National's network...

Grappling with retirement health costs

September 25, 2016

It is fairly well-known that Americans are living longer and that medical costs are climbing. How advisers are dealing with these two trends is less clear. There is a good reason why, in the opening paragraph of his cover story last week, InvestmentNews...

Advisers face big challenges in helping clients prepare for health-care costs in retirement

September 18, 2016

Health-care costs are the great unknown of retirement. Not only are health expenses rising quickly overall, but medical needs and conditions vary dramatically from person to person. There are several moving parts, from combinations of different...

Now is the time for an annual Medicare check-up

September 9, 2016

Just like it's a good idea to have an annual check-up for your health, it's smart to have a Medicare check-up to make sure the coverage will work when folks need it, and not break the bank. The best time of year for everyone in Medicare to have...

The alphabet soup of Medicare enrollment periods

August 12, 2016

There are many enrollment periods for the various parts of Medicare. These windows of opportunity provide beneficiaries the chance to sign up for Medicare coverage. It is critical to understand these enrollment periods, which involve requirements...

Health savings account limits to increase for some in 2017

July 29, 2016

Health savings accounts, which were established in 2003 to allow individuals and families to save money from their paychecks in tax-deferred accounts, have been touted as a great way to save for medical expenses both today and in retirement....

Make clients aware of filial laws that could wreak havoc on the financial security of millions

June 5, 2016

Longer life expectancies, coupled with skyrocketing nursing home costs, mean more retirees face the prospect of outliving their savings. The situation also jeopardizes the retirement security of their children, many of whom are members of the...

Life insurance helps with retirement planning, but beware of the pitfalls

May 29, 2016

Cash-value life insurance could prove to be a valuable asset for clients looking to couple an insurance need with tax and portfolio diversification in retirement. But there are some major caveats involved — namely, product considerations are...

Retiree medical expenses could outpace Social Security benefits in 20 years

May 23, 2016

A new report projecting health care costs for current and future retirees is chock full of scary numbers that should keep most financial planners up at night. But just as hiding under the covers during graphic horror flick scenes won't change...

Advisers' role in retiree health care

May 15, 2016

What's the single biggest expense that your clients will face once they've retired? Housing? Recreation? How about health care costs? Between Medicare premiums and the portion of medical bills Medicare doesn't pay, health care costs are actually...

How to help clients save big bucks on health and Medicare costs in retirement

May 3, 2016

In an environment of swelling health care expenses and inflation, examining ways to mitigate those costs, especially as they relate to Medicare, is becoming an increasingly important way for advisers to add value for clients. Not only are health...

How to properly defer Medicare enrollment

April 19, 2016

As the retirement age in our country continues to push into the late sixties and early seventies, many individuals are realizing that delaying Medicare enrollment may be a prudent plan. Considering the significant impact health care costs have...

Donald Trump's health care plan starts with repealing Obamacare

March 4, 2016

Donald Trump's seven-point health care plans includes repealing Obamacare and six other points. It promises to be yuuge. Challenging Congress to step away from special interest groups. In the category of super obvious stuff, Bill Gross predicts...

Are your clients using the wrong account to save for retirement?

January 27, 2016

Traditional wisdom suggests that clients should always stash enough money in a 401(k) to capture an employer matching contribution year as the first step toward achieving a secure retirement. But a provocative article in the Journal of Financial...

Clients need prep for long-term care

December 30, 2015

A recent survey conducted by Lincoln Financial Group, “Managing Long-Term Care Risk,” revealed some surprising reasons why Americans, aged 18 and over, are so unprepared to meet their long-term-care expenditures in retirement. An astonishing...

Rethinking retirement income replacement rules

December 10, 2015

I sympathize with financial professionals who try to advise their clients on how much to save for retirement when the traditional 80% of pre-retirement income target is being questioned. Some research suggests that the rule of thumb, based on...

Employees enrolling in health savings accounts, 401(k)s more than ever: report

December 10, 2015

More than ever, employees — specifically younger ones — are looking to enroll in workplace benefit plans, specifically 401(k) plans and health savings accounts, according to a report from Bank of America Merrill Lynch. “We see companies...

Don't shrug off health care conversations with clients

December 8, 2015

Advisers who don't actively consider health care costs during retirement income planning with clients are missing out on an opportunity to set themselves apart from the pack, and tackle a subject that clients increasingly value. “I think it...

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