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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 topic of health care in retirement, and HealthView will be leading that effort.Why such an intensive focus on health care?  Current and future retirees...

HealthView Services Press Release – 3/25/14

Lifetime Retirement Health Care Costs for Average 65-year-old Couple Retiring in 2015 Projected to Exceed $266,000; Expected to Rise to More than $320,000 in 10 YearsHealthView Services "2015 Retirement Health Care Cost Data Report" Provides Comprehensive Perspective on Retirement Health Care Costs ___________________________ Danvers, MA, March 25, 2015 - HealthView Services today published its , which shows average expected retirement health care costs for Medicare B, D and Supplemental...

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 is known around the neighborhood as “Boss of the Walk.” I told her my friends are an important leading market indicator, and since they want to increase exposure...

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 health care coverage will cost and which services are covered by Medicare and supplemental policies.  My hope is that people who learn about retirement health care will ultimately make smart...

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 stave off various forms of deflation (as well as inflation): these include plastic surgeons, referees who maintain an appropriate level of air in NFL footballs, and...

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 New Year and beyond.As most of you know, a fundamental component of HealthView’s approach to calculating future health care costs is projecting life...

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 way," I responded.First, I clarified what constitutes a surcharge: Medicare tacks additional fees on Medicare Parts B (doctor visits) and D (prescription drugs)...

Numbers Do Count: Impact of Updated Mortality Tables

Lately, I've been reflecting upon the importance of numbers in our lives. There are scientific numbers such as the speed of light, absolute zero, H2O, the value of Pi, the Chandrasekhar limit, and my last grade in high school physics.On a personal level, we can apply for a driver's license at 16; register to vote at 18; begin drinking alcohol at 21; retire at 65; get hit with minimum required distributions (RMDs) at 70 ½, and eventually die between the ages of 85 to 95.Obviously some...

Retirement Health Care Costs

For a while, I’ve been writing about retirement and retirement health care issues and sharing the posts with friends and family.  A few of the recipients have encouraged me to broaden the distribution with the goal of raising awareness of the importance of planning for retirement health care costs and some of the steps advisors and individuals need to think about when it comes to these issue.                           The posts will draw upon our research,...