Medicare Planning

We believe getting the right level of Medicare coverage is an essential piece of a successful retirement plan. Unfortunately, it's a piece of the retirement planning process that is misunderstood and goes overlooked by many. We help individuals plan for Medicare in the following ways:

* We make sure you sign up for Medicare Parts A & B at the right time
* We make sure your Medicare Part D covers the drugs you actually need it to
* We evaluate whether a Medicare Advantage or Supplement is best for you
* We help you understand how much your Medicare premiums will be
* We help you understand which doctors you'll be able to see under Medicare

Because of our commitment to give advice as a fiduciary in all spheres of service, you can trust that your best interests are primary when we help you decide between the many different coverage options available through Medicare. Get your copy of the 2018 Medicare & You Handbook here (from 


Healthcare Planning

Regardless of your age, you have important decisions to make regarding your healthcare options. The choices you make have both a significant short-term and long-term impact to your financial future. While we don't know the future, we help bring clarity and peace-of-mind by helping you think through the following areas:


Health Savings Accounts
If you have the option to enroll in a high-deductible health insurance plan (HDHP), it may be wise to contribute to a Health Savings Account (HSA). HSAs are special in that it allows a triple-tax benefit. Money goes in tax free, grows tax free, and if you spend it on qualified health expenses it will come out tax free. For a high-income earner, they can especially make a lot of sense. We'll help you understand why you might want an HSA and how to prioritize it in your savings goals. 


Medicare Gaps
Even the most comprehensive Medicare coverage will leave you exposed to a catastrophic cost, the exceedingly high cost of long term care. Other large out-of-pocket expenses you might face include the cost of dental, vision, and hearing needs. We'll help you see where your greatest unexpected expenses could come from and develop a plan around it. 

Rising Healthcare Costs
Centers for Medicare & Medicaid Services project national health spending to grow at an average rate of 5.6%** per year from 2016-2025. For many retirees, this means their Social Security benefit will have less and less purchasing power over time, as medical expenses consume a larger percentage of their income. We can help with the balancing act of saving enough for healthcare costs in retirement, but not too much. 

** source: