Welcome to HVS Financial - proper planning for healthcare costs in retirement
Many Boomers are experiencing a rude awakening as they purchase Medicare for the first time, and realize that their high past year's earnings puts them in the highest means-testing bracket. This can increase their healthcare premiums by thousands of dollars. Read the article published in Investment News last week about how we're helping advisors and their clients manage … Read More »

Calculate health care expenses in retirement with HealthWealthLink, our comprehensive expense calculator for financial professionals.

While nothing may be certain except death and taxes, in 2012, we need to add another qualifier — rising healthcare costs. A common public misconception exists: many people believe that their healthcare expenses will actually decline after they retire and enroll in Medicare, and that the days … Learn More »

Over the last several decades, the financial services industry has maintained one steady focus: accumulating investor wealth for retirement through 401(k) plans, IRAs, and IRA rollovers. Overall, this approach has worked very well, but that paradigm is changing as the majority of advisors' clients … Learn More »

The HealthWealthLink system was initially designed to calculate an individual's life expectancy and healthcare costs in retirement, with the objective of providing financial advisors with tools to help clients with financial planning. Recently, given all of the recent changes in the healthcare … Learn More »
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