Americans now live longer than any previous generation. Going forward, years spent in retirement constitute the longest chapter in our lives. Discover how the American retirement landscape has evolved over the past 50 years and how it will change even more going forward. Gain a better understanding of why Americans are living longer, the health challenges they face, and the impact of steadily increasing healthcare costs during retirement. From there we explore the dynamic nature of retiree spending patterns and how they change over time, including the latest research on how much retirees will spend on healthcare. Even with the most realistic projections, out-of-pocket expenses and unanticipated health-related “curveballs” can radically impact retiree assets and comfort levels. Lastly, we address concerns over catastrophic healthcare expenditures and projected costs of long-term care and caregiving. It can be overwhelming for clients to absorb all this information, however, pathways exist to advance the conversation. A framework is presented to guide advisors as they shape retiree healthcare discussions with clients, with a focus on strategies that can close the gaps in retirement financial planning.

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About Our Speaker

Ryan Bertrand, CFP, CLU

Vice President and Managing Director, Advanced Markets

Ryan heads the Advanced Markets department and joined the Transamerica Advanced Markets Group in 2011 with more than a decade of experience in the financial services industry. Prior to joining Transamerica Capital, Inc., Ryan was a director at Jackson National Life Distributors Retirement and Wealth Strategies Group. Ryan brings his experience to a highly professional group that focuses on estate planning, financial planning, taxation, retirement plans, and charitable planning. By focusing on these areas, he is able to identify business opportunities through the use of advanced financial planning strategies. Ryan is dedicated to helping representatives build their businesses and helping their clients by providing effective guidance, case design, and strategies. Ryan’s background and experience provide an essential component for Advanced Markets. Working with the rest of the group, Ryan helps create a professional department that can provide assistance in financial planning, estate planning, taxation, retirement plans, and charitable giving.

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