855-339-2842
info@hvsfinancial.com

Monthly Archive for: ‘May, 2017’

Data

Using Data to Make a Difference

Traditional health care plans failed to incorporate variables such as longevity, health care costs, and long-term care into retirement plans; however, the financial industry is evolving, and many firms are now utilizing these data points to create a more holistic approach to planning.   With just a few client inputs, you can create personalized reports that provide life expectancy, lifetime health care costs (Medicare Parts A and B, Medicare Part D, supplementary insurance, dental,...
Piggybank

Why Plan for Retirement Health Care Costs?

Because millions are entering the Medicare system every year, retirees are going to have to pay more money for fewer benefits and purchase supplemental coverage to fill in the gaps.  Financial and health-related stability in retirement, a luxury enjoyed by most Americans since the passing of Medicare in 1965, will be replaced by the need for all citizens to place health care costs at the forefront of their retirement planning. Why Health Care is a Primary Retirement Concern  Most people...
Cards

Texas Hold’em

A few weeks ago, my neighbor, Dan, invited me to a Texas Hold‘em fundraiser at his temple. Normally, gambling isn’t my thing; in fact, the only card game I play now is Uno with my daughter, Taylor. “I’m not sure,” I said.  “I’m not much of a gambler.” “Come on.  It’s for charity,” he coaxed, “and the buy-in is only $25.” “OK,” I said, “but I have to leave by nine o’clock.” “No problem,” he laughed.  “You’ll probably be out of money by...
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