• Four Conversations About Future Medical Costs
• Three Health Topics to Consider

4 Conversations About Future Medical Costs

When you’re preparing for retirement, be sure to discuss all issues that could affect your future well-being – physically and financially.

Here are four candid conversations you should have.

1. Talk to your doctor

Get regular checkups and stay on top of your “numbers” − blood pressure, cholesterol, glucose, body mass index, etc. You may discover issues that need to be addressed immediately. And if you don’t work on them now, they may worsen when you’re retired − when you can least afford it.

Make sure your doctor knows your family health history, so you can both work to keep hereditary risk factors under control. Your physician also has information on weight-loss, stress management and smoking cessation programs.

2. Talk to your family

Discuss any potential expenses that may have an impact on your retirement –– things like home remodeling, education, insurance premiums, medications, even anticipated surgeries.

3. Talk to your employer

Make sure you understand the benefits you’ll receive when you retire – and their cost, if any. Talk to your employer about health, savings and retirement benefits it may offer, as well as health coaching and health incentive programs.

4. Talk to an investment professional

Your investment professional can help you address medical or health care expenses in retirement by offering products and strategies that could better prepare you throughout retirement.

We’re here to help

Your family, physician, employer and investment professional are all important in discussing your plans for retirement. But what if you don’t have an investment professional?

Don’t worry − we can help you find an investment professional and explain what you should expect when working with an investment professional.