Health & Wealth:
A Proactive Partnership
Great retirement planning begins long before Medicare—and extends far beyond your final market update That’s why our Boutique Family Office™ integrates your health strategy and wealth strategy into one seamless roadmap designed to extend both your health span and your wealth span.
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Smart Health Care Funding
We don’t guess — we model.
- Stress-Test Your Budget: We calculate future premiums, deductibles, and out-of-pocket expenses across Original Medicare, Medigap, Advantage plans, and employer/ACA coverage.
- Tax-Efficient Payment Strategy: We identify the smartest drawdown strategy using HSAs, Roth conversions, and strategic asset placement to lower after-tax healthcare costs.
- IRMAA & Claim Guidance: We help you navigate IRMAA brackets, Part D surcharges, and plan selection—so unexpected bills don’t steal lifestyle dollars.
Long-Term Care: Prepare, Don’t Guess
You either self-fund it or transfer the risk. We help you do both—strategically.
• Longevity Stress Test
We determine if your assets can handle long-term care or if supplemental protection is required.
• Your Options at a Glance
- Hybrid Life/LTC Policies — One pool of money: use it for care or pass it to heirs
- Traditional LTC Insurance — Pure protection: lower cost, higher risk
- Self-Funding Strategy — Dedicated assets + tax-efficient draw schedule
Outcome: Confidence that your care won’t compromise your lifestyle—or your legacy.
Your Health. Your Wealth. Your Legacy.
Proactive health and long-term care planning isn’t just risk management—
It’s how you protect your lifestyle, preserve your independence, and pass on what matters most.