Planning for Healthcare Costs in Retirement

Critical Element of the Week: Risk Management

This Week’s Focus: Healthcare Costs in Retirement

Elements in Focus – October 17, 2025

Presented by: Jamie Burton and Aaron Rheaume, CKA®

In this week’s discussion, Jamie and Aaron take a closer look at one of the biggest and most unpredictable risks in retirement: healthcare costs. They explore how these expenses can impact your long-term plan and share practical ways to prepare for them. Topics include:
-The true cost of healthcare in retirement and how inflation plays a role
-What Medicare Parts A, B, and D cover—and where the gaps exist
-Why Medigap and Advantage plans may not fit every situation
-Using Health Savings Accounts (HSAs) for tax-efficient medical spending
-Planning for long-term care and evaluating insurance options
-Integrating healthcare expenses into your broader retirement income strategy

Healthcare planning isn’t just a financial consideration—it’s a key part of managing retirement risk. Jamie and Aaron explain how understanding coverage, anticipating costs, and aligning your withdrawal strategy can help protect your financial future.

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Disclaimer: Do not construe anything written in this post or this blog in its entirety as a recommendation, research, or an offer to buy or sell any securities. Everything in this post is meant for educational and entertainment purposes only. I or my affiliates may hold positions in securities mentioned in the blog. Please see our Disclosure page for the full disclaimer.

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