Ron’s View

The Social Security Conundrum


Did you know that delaying Social Security could increase your monthly benefits by as much as 32%? As the current policy stands, a person whose full retirement age (FRA) is 66 will see an 8% increase for every year that he or she delays receiving benefits up to age 70. Sounds like a great deal. [...]

Health Care in Retirement Planning Day


Today is National Retirement Planning Week®’s first Health Care in Retirement Planning Day. As a proud supporter of this event, HealthView Services has launched new consumer-oriented retirement health care planning tools to help Americans incorporate health care costs into retirement plans, as well as a new HealthView Insights Paper, "Closing the Retirement Health Care Costs [...]

Closing the Retirement Health Care Planning Gap


Although industry surveys show that paying for health care is among the leading concerns of those preparing for retirement, health care costs are not consistently integrated into retirement plans. In conjunction with National Retirement Week’s first “Retirement Health Care Planning Day,” HealthView Services has released a new Insights paper titled, “Closing the Retirement Health Care [...]

Yesterday and Today


“What’s with all of this health care cost anxiety?” some of my friends have been asking me lately. “My parents never worried about paying for health care in retirement. It wasn’t a financial burden to them.” Let’s begin our analysis by comparing the Greatest Generation to today’s Baby Boomers with one key question in mind: [...]

National Retirement Week


The HealthView team is currently preparing for our role in this year’s upcoming National Retirement Week, which will take place from April 13 - 17. The purpose of this industry-wide effort is to help investors address their most important financial needs in retirement. For the first time, an entire day is being dedicated to the [...]

401(k) Guidelines


Around a month ago, several friends and relatives called to ask me if the time had come to significantly increase their exposure to equities. Based on my past experience, these bullish phone calls are usually a very bad sign for the stock market. I introduced this growing collective sentiment to my walking friend, Joanne, who [...]

Should A Retiree Purchase Medicare Supplemental Insurance?


The following is a conversation that I recently had with a friend who is retiring soon. He wanted to know if he should purchase a supplemental insurance policy when he signs up for Medicare. This is a highly personal decision, so rather than give him advice, I tried to explain, in very basic terms, what [...]

The Great Deflation: How PSI Relates to Retirement Health Care Costs.


The “Great Deflation,” or “Great Sag” as it was called, was not last week’s game between the Patriots and the Colts; it actually refers to the period of time between 1870 and 1890 when global prices dropped by 2 PSI (pounds per square inch)…er…I mean 2%...annually. In today's world, there are many experts working to [...]

Living Longer: Some Unconventional, but Practical, Year-End Advice


As we begin to say farewell to 2014, many are focused on the performance of their investment portfolios and planning for the year to come, but I’ll let the experts guide us through the annual financial and tax-related laundry lists, and instead take an unconventional, but hopefully constructive, approach to helping you prepare for the [...]

Hit the Roth, Jack


A friend of mine (let’s call him Jack) recently stated that since I'm constantly bloviating about Medicare surcharges, I should explain how he might be impacted when he retires. "Ron, Help me understand how this ‘savings trap’ will affect me and give it to me straight," he said solemnly. "I wouldn't have it any other [...]