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Horsesmouth Essential: American health insurance is expensive and convoluted, especially when clients need to switch between employer insurance, individual insurance, Medicare, VA, or Medicaid. And few professionals are equipped to provide the good information clients need to make smart, cost-effective choices.
Horsesmouth Essential: Health care planning is a sensitive subject that often takes advisors—and clients—to places they don’t want to go. However, given rising expenses, no retirement plan is complete without some kind of provision for health care needs. Here are some guidelines and resources for estimating costs and discussing the issue with clients.
Horsesmouth Essential: Offering both tax-free contributions and distributions, the Health Savings Account may be the best retirement bet out there. We review various planning scenarios where HSAs can improve clients’ overall retirement picture.
Horsesmouth Essential: Don’t wait until open enrollment begins. Help your clients find the best coverage for their money with this step-by-step checklist of health care items to review annually.
IMPORTANT NOTICE This material is provided exclusively for use by Horsesmouth members and is subject to Horsesmouth Terms & Conditions and applicable copyright laws. Unauthorized use, reproduction or distribution of this material is a violation of federal law and punishable by civil and criminal penalty. This material is furnished “as is” without warranty of any kind. Its accuracy and completeness is not guaranteed and all warranties express or implied are hereby excluded.
Social Security and Medicare Workshop
With Elaine Floyd, CFP®
May 12–15, 2025
The Discovery Meeting Workshop: Transform Your Discovery Process
May 19–20, 2025