Retirement Radio

Most people spend decades planning for retirement income — but healthcare? That's the expense that can quietly derail even the best-laid plan. In this episode of Safer Retirement Radio, Brad Geddes, CFP® breaks down the three healthcare phases every retiree faces: Phase 1 — The Gap Years (Before Medicare) If you want to retire before 65, healthcare costs don't have to stop you. Brad explains why he's never had a client delay retirement solely because of pre-Medicare insurance costs — and how a straightforward budgeting exercise can make early retirement more attainable than you think. Phase 2 — Medicare Reality Check Medicare helps, but it doesn't cover everything. Dental. Vision. Hearing aids. Supplemental premiums. Fidelity estimates the average healthy 65-year-old couple will spend over $315,000 out-of-pocket on healthcare in retirement — and that number doesn't include long-term care. Ten years ago it was $225,000. Do the math on where it's headed. Phase 3 — Long-Term Care This is the planning conversatio