Once you retire … You will need Health Insurance: Medicare, as well as Home Health Care.

Planning for Future Needs

What are your plans for these two coming needs of yours? An evolution in avoiding nursing home confinement is occurring for all of us as we age. It’s about combining your Medicare plan with a “Home Health Care Plan.” According to the Department of Health and Human Services, 70% of seniors will need some form of home health care in their lifetime. In fact, nearly three out of four seniors will eventually need home health care services. Consider the odds for both you and your spouse together!

Understanding Coverage Gaps

Medicare, Medigap, and most Medicare Advantage Plans are designed to cover hospital stays, medical tests, doctor bills, and some short-term skilled nursing. Unfortunately, these plans do not cover the cost of long-term everyday assistance in your home. Receiving care in your own home is far preferable to being confined to a nursing facility, right? Home health care is about being independent and not being a burden on others.

Taking Action Now

It’s wise to spend a little time researching your home health care choices while you are still healthy enough to qualify. Getting your Home Health Care Plan in place today can give you more certainty, security, and peace of mind, should something happen to you tomorrow. Plan for tomorrow, today. It’s never too early to plan for something as important as your retirement.

Avoiding Future Regrets

Don’t wait. Tomorrow is the day that you might have a life-changing accident or illness, and then you may no longer qualify for the plan. Therefore, don’t wait too long to buy coverage. Fraser can help you coordinate your DROP plan with your health insurance choices once you retire. You want your retirement plan to be comprehensive, integrated, and holistic. Fraser can help you with all of your retirement planning.

Fraser Allport: Your Trusted Guide to a Secure Retirement

For over 42 years, Fraser Allport has been a leading financial professional in Florida, specializing in retirement planning. He's committed to helping individuals in Daytona Beach, Port Orange, Space Coast, and Palm Coast navigate the complexities of retirement with confidence.

Why Choose Fraser Allport?

* Proven Expertise: As a Fiduciary, Investment Advisor, and Certified Estate Planner™, Fraser brings a wealth of knowledge and experience to the table.
* Independent and Objective: Fraser works for you, not a big company or bank, ensuring unbiased advice.
* Comprehensive Services: From DROP planning and 401(k) rollovers to IRA strategies and estate planning, Fraser offers a full spectrum of services.
* Local Focus: He understands the unique needs of Florida residents, including those in Daytona Beach, Port Orange, Space Coast, and Palm Coast.

Specializing in DROP Planning

Fraser is a recognized Florida DROP Specialist. He helps clients navigate the intricacies of the Deferred Retirement Option Plan (DROP), maximizing their retirement savings. This includes:

* Optimizing un-used DROP sick and vacation days
* Developing a customized action plan for your DROP
* Ensuring you make informed decisions about your retirement funds

Beyond DROP: A Holistic Approach

Fraser's services extend beyond DROP, offering a comprehensive approach to retirement planning:

* Retirement Planning: Tailoring your retirement plan to achieve your goals, whether it's a 401(k) rollover, an inherited IRA, or choosing the best Roth IRA.
* Tax Minimization: Developing strategies to minimize your tax burden in retirement.
* Estate Planning: Creating a plan to protect your assets and ensure a smooth transition for your loved ones.
* Home Health Care: Developing a personalized plan for your home health care needs.
* Annuities and IRAs: Exploring these options to secure your financial future.