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New ways to prevent heart attacks

2015-11-29T08:58:11+00:00

Studies show good health is all important There are many variations of passages of Lorem Ipsum available, but the majority have suffered alteration in some form, by injected humour, or randomised words which don't look even slightly believable. If you are going to use a passage of Lorem Ipsum, you need to be sure [...]

How Medicare Surcharges Can Cost You Over $80,000 Annually

2015-11-24T09:03:54+00:00

When saving for retirement, it is critically important to factor health care costs into projections and plans. Due to upcoming changes in Medicare, this will be even more important. Medicare’s coverage is separated into four Parts: A, B, C, and D. The changes will primarily affect Part B, which covers doctor appointments, emergency room visits, [...]

Retirement Health Care Costs and Income Replacement Ratios Summary

2015-11-17T17:00:12+00:00

Last week, we published a white paper that focuses on income replacement ratios (IRRs), health care inflation rates, and strategies to bridge the savings gap caused by unplanned retirement health care costs. Today, I will highlight some of the paper’s major points. First, readers must understand that financial advisors use IRRs – a percentage of [...]

New Rule From the DOL

2015-11-12T09:43:17+00:00

The past few weeks have been awash with the turmoil of changes to Social Security and Medicare, which were completely unexpected. It’s understandably been the main focus of many in the retirement planning industry, myself included. But there is another piece of legislation on the table that precedes the Bipartisan Budget Act, one that could [...]

Notice of Changes to Social Security and Medicare Benefits (Bipartisan Budget Act of 2015)

2015-11-05T11:40:42+00:00

Social Security: It is important to note that anybody currently taking advantage of any or all of the strategies, File and Suspend, Claim Some Now; Claim More Later, or the Combined Strategy, will continue to be able to do so.   Within the six month period after November 2, 2015, applicants will be able to [...]