Results for "health care"

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HSA assets grew more than 62% last year, Celent study shows

June 29, 2009

Despite the downturn in the economy, the number of health savings accounts and assets held in the plans continue to grow, a new study released today showed. From January 2008 to January 2009, there was an increase of 46.1% in the number of HSAs....

Funding LTC insurance absent from cliets' to-do list

June 7, 2009

Advisers are struggling to get clients — especially baby boomers — to think about funding long term care in the face of depleted investment portfolios. Planning to pay for health care needs in retirement has taken a back seat to replenishing...

Trump moves to undermine Obamacare

October 12, 2017

President Donald J. Trump began his own effort to undo major parts of the Affordable Care Act after Republican leaders in Congress failed to repeal and replace his predecessor's signature legislative accomplishment. Mr. Trump's directive, signed...

Health care costs squeeze retirement savings

April 13, 2016

Once upon a time, workplace-based savings accounts were focused largely on retirement. Contributions to 401(k) plans or similar employer-sponsored plans helped employees build a retirement nest egg while reducing their current tax burden. But...

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...

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...

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...

Improved health outcomes can boost retirement savings

July 10, 2018

What would you say about a planning tool that quantifies how improved management of a chronic health condition can reduce a client's medical expenses, increase their life expectancy and boost disposable income? What if you took it a step further...

New ways to estimate and fund long-term care costs

July 5, 2018

Nothing strikes fear in the heart of retirees more than the three letters: LTC. The potentially crushing costs of long-term care in a nursing home, memory care unit or even at home — most of which are not covered by Medicare — can easily...

From elder planning to implementation

May 17, 2015

Not to beat a dead horse, but the population in the United States is getting older and older. Most everyone has heard the statistic that 10,000 baby boomers turn 65 every day. Couple that with the fact that life expectancies continue to grow....

Wrangling clients' health care costs in retirement

November 2, 2014

Advisers are trying to get their arms around the uncertainty of health care expenses in old age. Financial advisers have an array of tools at their disposal to construct a client's portfolio while accumulating assets. They can also create models...

Medicare trust fund will be exhausted in 2026, three years earlier than expected

June 5, 2018

The main trust fund behind Medicare, the U.S. health-care program for the elderly and disabled, will be exhausted in 2026, three years earlier than was projected a year ago, the government said Tuesday. Medicare's Board of Trustees blamed the...

Doing complex Medicare and tax bracket math

January 26, 2014

Retirement planning for most advisers consists of helping clients build a sufficient nest egg during the accumulation phase of their working lives and then formulating a plan to generate enough income to provide a comfortable retirement. If...

Health care exchanges aren't meant for retirees

October 20, 2013

The new health insurance exchanges have dominated headlines in recent weeks, with tales ranging from computer glitches that have prevented millions of uninsured Americans from signing up for coverage to a federal government shutdown triggered...

HSAs: Rx for health care reform

June 3, 2013

Workplace-based health insurance is following in the footsteps of retirement benefits. In response to rising premiums over the past few years and fear of the unknown when Affordable Care Act changes kick in next year, increasing numbers of employers...

Alzheimer's epidemic puts advisers — and their practices — at risk

February 24, 2013

The number of Americans with Alzheimer's disease is expected to nearly triple by 2050. This impending epidemic will put even more pressure on advisers as they try to help clients prepare for the possibility of a costly health crisis. According...

Mary Beth Franklin: Talk health care to clients — or lose them

October 29, 2012

Discussing health care costs in retirement with clients is new territory for many financial advisers. In fact, few say they have the knowledge and resources to do it well. That's a real problem, since four in five advisers say they know if they...

Employer-sponsored retiree benefits fading

October 28, 2012

Employees are managing expectations in retirement as employers reduce health benefits for retirees. Data from the Employee Benefit Research Institute show that in 1997, 10.2% of private-sector employers provided health insurance to Medicare-eligible...

Mary Beth Franklin: Advisers and clients don't talk Medicare

October 3, 2012

Despite the serious concerns that many retirees have over rising health care costs, fewer than one-third of those who work with a financial adviser have ever discussed their Medicare plans, according to a new nationwide survey released Thursday....

Is Medicare the next frontier for financial advice?

May 7, 2012

Here's the latest riddle in retirement planning: What is one of pre-retirees' biggest fears that they don't discuss with their financial adviser? Answer: health care A new survey by Nationwide Financial released Monday says nearly half of high-net...

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