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Tips for managing clients' health care expenses in retirement

March 27, 2017

Survey after survey shows that health care expenses in retirement are a top concern for clients, and financial advisers are finally taking notice. According to a 2017 Survey conducted by The American College of Financial Services, advisers reported...

Tax cut optimism may be overblown

March 22, 2017

Even if new health-care legislation makes it through the House and Senate, the timing is likely to push tax reform into next year, pushing tax cuts further into the future, says Wall Street Journal columnist Justin Lahart. "Investors who are...

Advisers embrace elimination of Obamacare taxes, question GOP replacement plan

March 7, 2017

Financial advisers endorse the elimination of taxes that funded the Affordable Care Act but wonder about the extent of the health insurance coverage that will result from the House Republican substitute plan. The House Ways and Means and Energy...

Strict timeline governs health savings accounts and Medicare

February 28, 2017

Many clients have chosen to enroll in health savings accounts (HSAs) because they like the triple tax savings that HSAs offer when paired with a high-deductible health insurance plan. But things can get very complicated when clients approach...

Medicare enrollment ends HSA eligibility

February 9, 2017

As many clients continue to work beyond the traditional retirement age of 65, financial advisers are often confronted with questions about the interaction of employer-provided health insurance, Medicare and health savings accounts. Health savings...

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....

My client's Medicare coverage has been canceled, now what?

October 7, 2016

This is the time of year when everyone who already has a stand-alone Medicare Part D prescription drug plan or a Medicare Part C Advantage plan that includes Part D gets a letter from their current plan. There are two types of letters. Most...

Self-funding employee health care pays off for some small businesses

October 5, 2016

The rising price of health-care premiums has more companies paying for their employees' medical expenses themselves rather than buying traditional health plans from insurers. Advisers should be aware of what the option entails for their small-business-owner...

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....

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...

Debunking the top myths and misconceptions about Medicare

April 20, 2016

When it comes to Medicare, there are many myths, misconceptions and misunderstandings. I hear about them from advisers and their clients on a daily basis. I thought it would be helpful to describe some of the most common fallacies and dispel...

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