Ron’s View

Happy 2016! Now, Back to the Future

2016-01-06T10:29:18+00:00

Back to reality. That’s what the first week of January feels like. And, didn’t the equity markets give us a healthy taste of reality on Monday! Back to work (although most of us probably never really stopped working) and Back to the Future, but not in a DeLorean. I’m not talking about the film, although [...]

So Long 2015, Hello 2016!

2015-12-23T08:50:11+00:00

Like many of you, I can’t quite believe that the holiday season is already upon us. This is my last blog of the year, so I’ll keep it short and let you get back to thinking about last minute shopping and drinking eggnog… I would first like to announce our 2016 Retirement Health Care Cost [...]

An update on the DOL’s Fiduciary Rule

2015-12-11T15:15:13+00:00

The upcoming Department of Labor’s (DOL) fiduciary rule has been all anyone's been talking about, (if they’re not talking about Social Security, that is). To recap, according to the current proposal, financial professionals will be legally obligated to disclose any fees and/or conflicts of interest associated with investments products they recommend for their clients. The [...]

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 [...]

Changes in Legislation Affecting Social Security & Medicare

2015-11-02T10:08:13+00:00

(PLEASE NOTE: The purpose of this Update is to provide notification that recent proposed legislation, which was passed by both Houses of Congress, could significantly impact Social Security and Medicare. When the legislation is signed into law, HealthView will distribute an official change notice.)   In the world of politics, legislative changes are often a [...]

No COLA and Hold Harmless

2015-10-26T17:25:43+00:00

  The big retirement news this past month?  In 2016, Medicare Part B premiums are set to increase by 52%, and there will not be a Social Security Cost of Living Adjustment (COLA). The COLA decision should come as no surprise. For the third time in the past seven years seniors will have to make ends [...]