Protecting Your Physical and Financial Vitality
Healthcare is the single largest “unknown” for most retirees. We help you move from uncertainty to a clear protocol, ensuring that rising costs and long-term care needs never compromise the lifestyle you’ve worked so hard to build.
The Rising Cost of Living Well
Managing the Highest Inflation in the Market
Historically, the cost of medical care has inflated at a much higher rate than general goods and services. A healthy retirement plan must account for this “upward curve” to ensure that your purchasing power stays intact over a 20-to-30-year period.
We treat healthcare planning as a core component of your 10-year Method. By anticipating these costs early, we can structure your investments to provide the necessary growth to cover future medical expenses without draining your primary income.
Navigating the Medicare Maze
Meticulous Coordination of Your Benefits
Medicare is a foundational piece of your healthcare strategy, but it is often misunderstood. Choosing the wrong plan or missing a filing window can lead to permanent penalties and gaps in your coverage.
We provide the professional oversight needed to evaluate your options:
Plan Selection
We help you look over various health insurance options to find the coverage that fits your specific needs and lifestyle.
Avoiding Surcharges
We monitor your income levels to help you avoid IRMAA—the additional monthly adjustment that can significantly increase your Medicare Parts B and D premiums if your income stays above certain thresholds.
Social Security Integration
We ensure your Medicare elections are coordinated with your Social Security benefits, as premiums are typically deducted directly from your monthly check.
The Reality of Long-Term Care
Guarding Your Independence
Studies show that 70% of people turning age 65 today will require some form of long-term care in their lifetime. Whether it is care in your own home or an assisted living facility, the costs can be substantial and can quickly erode a traditional savings account.
We help you plan for this “longevity risk” by identifying the right tools for your situation:
- Income Doublers
- Asset Protection
- Customized Solutions
Income Doublers
We utilize specific income vehicles that can provide an increased payout, sometimes double the standard amount, should a long-term care event occur.
Asset Protection
We look for ways to fund your care that don’t require you to spend down the assets you intended to leave to your family.
Customized Solutions
Because every family’s health history is unique, we customize your care strategy to reflect your specific concerns and goals.
Our Services
Comprehensive Planning for Every Aspect of Your Life
Investment Management
Growth and preservation strategies tailored to your risk tolerance.
Present & Future Tax Planning
Proactive strategies to keep more of your hard-earned money.
Estate & Legacy Preparation
Ensuring your wealth passes to your loved ones exactly how you intend.
Comprehensive Income Planning
Structuring your investments and Social Security into a cohesive plan that ensures your income lasts as long as you do.
Health & Longevity Protection
Strategies for Medicare, spousal coverage, and long-term care to protect your retirement savings from rising health costs.
Ready to Get Started?
Schedule a no-cost consultation to discuss your financial health.
Confidence for the Long Haul
You shouldn’t have to choose between your health and your inheritance. With a proactive plan in place, you can face the future knowing that you have a strategy designed to handle whatever comes your way.
Request Your Healthcare Diagnostic