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Did You Know That Even Your Wealthiest Clients Might Be Penalized for not Enrolling in Medicare Starting at 65?

Medicare, the Retired Rocket Scientist and the $25,000 Mistake…

Dear Professional:

I recently got an excited phone call from a friend.

She'd heard that Horsesmouth was training professionals on how to give smart, insightful guidance to their clients about the ins and outs of Medicare health insurance coverage.

"Wow, that's great to hear because you wouldn't believe the types of expensive mistakes people can make," she said. "Let me tell you my story."

I was all ears.

My friend reminded me that a few years ago she'd taken over managing the affairs of her elderly father—a retired scientist from California.

She said when she started managing her father's issues, she discovered that in addition to Medicare, he had two other health care insurance plans.

'Don't Worry…the Doctors' Offices Take Care of That'

She wasn't clear exactly why he had two and her father, at this stage, could offer no help. (And the insurance companies just told her not to worry—"the doctors' offices take care of submitting everything behind the scenes.")

So she tried to get advice about those health insurance plans while also trying to organize the rest of his finances.

First, she tried her own professional, but he couldn't help her.

Then she approached her father's CPA, thinking maybe he'd know something. But he couldn't help her.

She even asked the HR people at her father's former employer. Again, no help.

Not wanting to mess up her father's health coverage, she left things as is.

Every month she saw direct debits made against his checking account for the monthly premiums. But as anyone else who's ever taken over an elderly adult's personal business knows, there were lots of other pressing issues.

So it remained a mystery—but it stressed the heck out of her because her gut told her something wasn't right.

Anyway, time moved on and she finally found someone through a professional networking group who could advise her on the plans.

Horsesmouth Savvy Medicare Planning Hero

Savvy Medicare Planning

A Mystery Solved

It turned out her dad had been paying for a plan he could never get value from—because it covered exactly the same things covered by an identical policy sold by a different firm. (He shouldn't have been sold the second policy.)

Now for the eye-popping number: That mistake cost at least $25,000 dollars over ten years.

Naturally, that money could have been used for many good things, including savings and investments.

And it could have helped lower his monthly retirement expenses…which had become a critical issue: He'd suffered a stroke, had an expensive second wife, and had never planned his retirement, despite retiring with a large nest egg now depleted.

(Thankfully, my friend filed a claim with the state department of insurance and got some premiums refunded.)

None of us want this sort of thing to happen—especially to our clients.

Look at the list of people and places she tried to get help from. They were all experienced professionals, but they didn't have the expertise she needed and expected them to have.

If It Can Happen to a Rocket Scientist…

And her father was a smart guy, too—an actual rocket scientist—a nuclear physicist who'd spent his whole life fighting (and winning) the Cold War!

But he could not figure things out and made a very expensive mistake.

In the end, the professional who helped my friend has her business—and thanks— forever. Not to mention a high number of referrals!

What did this professional have that the other professionals in this story didn't?

It wasn't a vast technical knowledge about all the ins and outs of insurance plans.

But it was enough knowledge to confidently ask the right questions of my friend and quickly discern that her father was paying for a duplicate health plan that was the equivalent of pouring the money down a drain.

This is the level of Medicare expertise we want you to have—so you, your clients, and any prospects can have an independent, unbiased professional to guide them on their way through the Medicare labyrinth.

Boomers Are Totally Baffled by Retirement Health Care…

The Chaos

The Solution

More than half of pre-retirees find Medicare confusing, or completely baffling

Add Medicare guidance to your service offering for all retirees and pre-retirees

Two in three can't identify what part of Medicare covers hospital care

Hold workshops for clients and prospects on how best to analyze their health coverage needs and Medicare choices

Three in four don't know what part covers doctor visits

Pair Medicare guidance with your full retirement planning services, including Social Security

Less than 1 in 10 understand the benefits of Part C/Medicare Advantage

Because Medicare is complex and always changing, separate yourself from your competitors with new, important expertise

Join Savvy Medicare Planning
Click to Learn More.

Where You, the Professional, Enter the Picture

Like Social Security, Medicare is far more complicated than most people realize.

Yet new retirees are largely unprepared to deal with this mandatory health care program, especially if they've been automatically covered by health insurance at work.

The biggest shocker is that Medicare is not automatic; you have to sign up for it within a specified period of time.

And it is not free; there are monthly premiums, deductibles, and copayments.

And it does not cover everything. Supplemental insurance is essential, but choosing the right policy is no easy task. And even then, long-term care expenses are not covered.

Regardless of how healthy your clients are now, they must prepare for serious medical costs in retirement. This is one of the most critical aspects of retirement planning, because all it takes is one unexpected, large medical expense to decimate a client's assets and derail a financial plan.

(Interestingly, the healthiest people with the longest life expectancies end up spending the most on health care and are the ones most likely to need costly long-term care.)

Here are some results from a recent survey of pre-retirees:

  • More than half of pre-retirees find Medicare confusing, or completely baffling
  • Two in three can't identify what part of Medicare covers hospital care
  • Three in four don't know what part covers doctor visits
  • Less than 1 in 10 understand the benefits of Part C/Medicare Advantage

And there's much more. But here's the other problem: Most professionals don't know the answers to these questions either.

Join Savvy Medicare Planning
Click to Learn More.

Who Helps People Figure This Out?

Your clients and prospects need you to help them integrate Medicare and overall health care financial planning into their retirement plan.

Horsesmouth Savvy Medicare Planning Request a Desktop Demo

That's why Elaine Floyd, Horsesmouth Director of Retirement and Life Planning, created this program…

It's called Savvy Medicare Planning.

And if you're familiar with Elaine's hugely popular Savvy Social Security Planning program, you'll get a sense of what she has planned for you and your clients regarding health coverage and Medicare.

Any professional working the retirement income planning niche needs to understand how Medicare works, what the program's limitations are, and how your clients can fill in the gaps to preserve their financial security.

Savvy Medicare Planning will enable you to:

  • Speak knowledgeably with clients and prospects about Medicare and health care financial planning. 
  • Deepen your relationships with clients by helping them with this complicated and important part of their retirement plan.
  • Deliver excellent service by providing information, resources, and guidance geared to each client's unique circumstances.
  • Have a reason to contact them every year during the annual enrollment period.
  • Establish a niche for yourself based on unusual expertise that blends health care guidance with financial planning.
  • Reach out to pre-retirees who need to plan for health care before leaving the job; this allows you to establish a relationship before they are faced with the rollover decision.
  • Address baby boomers' questions and concerns about how to manage health care expenses in retirement.

This program consists of four modules designed to educate you about Medicare and supplemental insurance, prepare you for in-depth client discussions about how to manage health care in retirement, and help you reach out to prospective clients and centers of influence by offering an essential service that is not provided by most financial professionals.

Like all Horsesmouth programs, the client presentations and related materials do not focus on product: you will set yourself apart from product-driven seminars in your community by offering planning services geared to each client's individual needs. How you choose to be compensated for these services is up to you.

Presentations for Clients and Prospects

Your Savvy Medicare Planning program equips you with the mastery to deliver workshops, seminars or one-on-one presentations about the complexities of retirement health care. The presentations are FINRA-reviewed and come with PowerPoint slides and speaker notes. Here’s an overview of what the presentations cover:

Horsesmouth Savvy Medicare Planning-Managing Health Care Expenses in Retirement: What Baby Boomers Need to Know About Medicare and Long-Term Care

Managing Healthcare Expenses

in Retirement

Managing Health Care Expenses in Retirement: What Baby Boomers Need to Know About Medicare and Long-Term Care

Fifty-seven percent of baby boomers said they had a "poor understanding" (31%) or know "almost nothing" (26%) about Medicare, according to a recent survey by Bankers Trust. Three-quarters of boomers (72%) did not know that most Americans on Medicare pay premiums, copays, and deductibles. One in seven thought Medicare was free. Only 14% knew that Medicare does not cover long-term care.

A health care crisis is looming in this country, and it is essential for baby boomers to understand what they need to do to prepare for it financially. This educational workshop will cover the following:

  • How Medicare enrollment periods work—and what you need to do to avoid late-enrollment penalties
  • How much you can expect to pay in health care costs after going onto Medicare
  • How Medicare works with private insurance to provide comprehensive coverage
  • Why most people pay too much for private insurance and how you can avoid excess costs
  • Why you must plan for higher health care costs in retirement—including the possibility of needing long-term care
Horsesmouth Savvy Medicare Planning-Managing Health Care Expenses in Retirement for CPAs

Managing Healthcare Expenses

in Retirement for CPAs

Managing Health Care Expenses in Retirement for CPAs

CPAs who attend your “Managing Health Care Expenses in Retirement” presentation may receive one hour’s worth of CPE credit. Offering this presentation to CPAs and other local COIs will help you build your referral base.

This version of the presentation has been edited to engage CPAs, as well as marketing materials and our CPE Credits Guide.

Note: If you are presenting “Managing Health Care Expenses in Retirement” to CPAs for CPE credit, you must use the CPA-specific version of the presentation, which contains additional discussion questions to satisfy NASBA requirements.

Horsesmouth Savvy Medicare Planning-30 Minutes on Medicare Basics—What Baby Boomers Need to Know About Medicare

30 Minutes on Medicare Basics

30 Minutes on Medicare Basics—What Baby Boomers Need to Know About Medicare

The title tells it all. Designed for busy people who just want the highlights, this new presentation condenses the material in our main Medicare presentation and tells attendees what they need to know…and no more. Key points they'll walk away with: Medicare isn't free; Medicare leaves gaps; if you don't sign up on time you'll pay more; before retiring, it is crucial to estimate what your health care expenses will be in retirement; how to start thinking about long-term care.

Horsesmouth Savvy Medicare Planning-Transitioning to Medicare—How Health Insurance Works After You Leave Your Job

Health Insurance After Retirement

Transitioning to Medicare—How Health Insurance Works After You Leave Your Job

One of the most confusing aspects of retiring – and the area where the most mistakes are made – is the transition from employer health insurance to Medicare. Employee benefit managers mean well but they are often uninformed about Medicare. Health insurance agents have their own plans to sell. This presentation positions you as an unbiased source of information and guidance on transitioning to a new health insurance system at retirement by alerting clients to pitfalls and helping them avoid common mistakes.

Join Savvy Medicare Planning
Click to Learn More.

Medicare? Come On, That's Not For Me! (Is this what you're thinking?)

I know it might seem odd to you, the idea of making Medicare guidance a part of your financial advice business. Here's what I imagine you might be thinking:

  1. I don't see how Medicare impacts financial planning and investment portfolios…
  2. I can't see how this is going to help me do more business—I don't get paid for offering Medicare guidance…
  3. The Medicare season is only in the fall, so why should I move now on a new program…
  4. Medicare is too complicated...
  5. Clients get Medicare information from their employer before they retire (They don't need me.)…
  6. My clients are wealthy and won't have to worry about Medicare…
  7. I don't want to get into the business of being a Medicare plan professional, especially around prescription plans…
  8. Medicare is changing all the time—how will I keep up with it...
So let's look at each one of these for a minute:

#1: I don't see how Medicare impacts financial planning and investment portfolios.

Sadly, health care costs in the U.S. are completely out of control. For retirees, health care is their greatest, ongoing expense. And when they started saving for retirement, they had no idea how large, fast-growing and complicated retirement health coverage would get. It's a growing drain on retirement income, thus a key element of retirees' financial planning.

Just consider this: From 1965 to 1985 health care costs tripled in real (inflation-adjusted) terms from $187 billion to $666 billion. And then, over the next 20 years, spending nearly tripled again to $1.9 trillion in 2005. It's eating a hole in everyone's pockets: corporations, governments, and individuals.

As we've seen—and as you may well know—mistakes can be costly. So managing health care costs in retirement is actually a key need of just about everyone. Savvy Medicare Planning will train you on how to be the valued, appreciated resource on this topic in your community.

#2: I can't see how this is going to help me do more business—I don't get paid for offering Medicare guidance.

If you're pursuing the lucrative, competitive retirement niche, then you've got to bring a working level of knowledge and expertise about Medicare into the mix. Boomer clients, at 10,000 a day reaching age 65, will demand it. Savvy Medicare Planning will add a concrete, valuable service to your business that clients will deeply appreciate.

 #3: The Medicare season is only in the fall, so no need for a year-round program.

The annual coordinated election period—sometimes called "Medicare season" because it's when Medicare Advantage plans give seminars around the country—may be in the fall, but clients need help year-round when it comes to managing their health care costs in retirement.

Perhaps more important are baby boomers turning 65 — those 10,000 a day. Many of them simply do not know that there could be penalties for not signing up for Medicare within their initial enrollment period. People who've never had to think very much about health insurance while they were working are in for a rude awakening when they realize that they must be proactive about Medicare. This means understanding all the parts and the gaps, evaluating coverage and pricing for multiple plans, and making decisions based on their anticipated health care usage. It's really huge. If you can help prospects and clients with this crucial aspect of their retirement plan, you'll be the preferred professional for rollovers and other business.

#4: Medicare is complicated.

Yes, it is. And so is just about every other aspect of your business; guiding clients on complicated financial matters is the value proposition you bring to the marketplace. Financial professionals who see the wisdom of adding Medicare expertise to their line-up (as so many have done with Social Security) position themselves as client-focused retirement niche specialists. It's a big differentiator when you can calmly explain to a prospect that Medicare and Social Security are potential, expensive minefields for retirees and that among the many great things you do for clients, is offer them important guidance in these retirement areas so they don't fall victim to making expensive mistakes. Savvy Medicare Planning helps you (and your clients) see the program in clear, easy to understand terms.

#5: Clients get Medicare information from their employer before they retire.

Sometimes. But the information and guidance are often of mixed value. Just like you wouldn't send your clients to the IRS for help on minimum required distributions, you don't want to send them to the HR department for Medicare issues. (In some cases it might be helpful, but in the end, the HR department doesn't have a sense of your clients' big picture needs in retirement.) Plus, as you'll soon learn, things change in Medicare and your clients need help with information that is current. The Savvy Medicare Planning program will give you the insights and knowledge you need to be your clients' valued professional on this critical issue.

#6: My clients are wealthy and won't have to worry about Medicare.

Unless your clients' pockets are so deep that they will fund 100% of their retirement medical expenses completely out of pocket, then they'll need to know, understand and make choices about Medicare. The wealthiest, HNW retiree who wants any sort of private health insurance coverage is still required to sign up for Medicare.

So, nearly all your retirees need to sign up for Medicare. You don't want them asking other professionals for help about this. Better you provide that guidance. Besides, when it comes to explaining management fees to clients, it's good to be able to point out the extra service and advice they receive on such issues as Medicare guidance.

 #7: I don't want to get into the business of being a Medicare plan professional, especially around prescription plans.

Unless you're talking about getting into the business of selling health insurance to your clients (which brings with it an additional level of important regulation regarding when and how you talk about Medicare) you're not "specializing" in Medicare. You're not the Medicare Plan Professional. You're a retirement niche specialist who helps clients craft a retirement income paycheck and manage all the various, important moving parts of a successful retirement lifestyle. Being able to educate and alert your clients to potential problems and changes in Medicare each year is a valuable service. And that's what you're delivering.

#8: Medicare is changing all the time—how will I keep up with it.

Yes, it's true that Medicare keeps changing. That's all the reason why you'll want to inform clients and prospects about new changes so they don't make serious, expensive mistakes while deciding how best to arrange and pay for their health care in retirement. The Savvy Medicare Planning program will be your guide and source for what's new and what your clients need to know in making critical decisions. 

Join Savvy Medicare Planning
Click to Learn More.

Savvy Medicare Planning—A Complete Turnkey Program

You'll receive a full client workshop program—PowerPoint slides and speech—plus a great client handout called the Boomer's Guide to Medicare, and a full marketing and client communications campaign. And all the client materials, of course, are FINRA-reviewed.

Your Savvy Medicare Planning program includes:

ANNUAL LICENSE

Horsesmouth Savvy Medicare Planning 12 Month License

12 Month License

First Year License:

  • Present "Savvy Medicare Planning" to clients and prospects for 12 months. After your first year, renew "Savvy Medicare Planning" license and get our annual program update: new Medicare developments, updated slides for your presentation, and updated client reference materials for your workshops. ($497 value)
Horsesmouth Savvy Medicare Planning Six (6) CE Credits

6 CE Credits

CE CREDITS

CE Credits:

  • Six (6) will be awarded for completion of the Savvy Medicare Planning CE exam. ($60 value)

COMPREHENSIVE GUIDE

Horsesmouth Savvy Medicare Planning Financial Advisor's Guide

FA Guide

The Financial Advisor's Guide to Savvy Medicare Planning:

  • Written by Elaine Floyd, this guide walks you through all the major aspects of smart Medicare planning. It equips you with both the technical knowledge and business development insights you'll need to effectively incorporate Medicare planning into your service offering. Each part consists of a one-hour webinar and study guide, plus marketing materials and worksheets. ($199 value)

4 CLIENT PRESENTATIONS

The Savvy Medicare Planning program equips you with the mastery to deliver workshops, seminars or one-on-one presentations about the complexities of retirement health care. The presentations are FINRA-reviewed and come with PowerPoint slides and speaker notes. Here’s an overview of what the presentations cover:
Horsesmouth Savvy Medicare Planning Managing Health Care Expenses in Retirement

Managing Health
Care Expenses
in Retirement


Managing Health Care Expenses in Retirement: What Baby Boomers Need to Know About Medicare and Long-Term Care

  • Ideal for workshops, seminars and other public events. It also works for one-on-one sessions with clients and prospects ($299 value).
Horsesmouth Savvy Medicare Planning Managing Health Care Expenses in Retirement for CPAs

Managing Health
Care Expenses
for CPAs

Managing Health Care Expenses in Retirement for CPAs:

  • Edited to engage CPAs, as well as marketing materials and our CPE credit guide. Note: If you are presenting “Managing Health Care Expenses in Retirement” to CPAs for CPE credit, you must use the CPA-specific presentation in the below zip file, which contains additional discussion questions to satisfy NASBA requirements ($299 value).
Horsesmouth Savvy Medicare Planning 30 Minutes on Medicare Basics

30 Minutes on
Medicare Basics

30 Minutes on Medicare Basics—What Baby Boomers Need to Know About Medicare:

  • Designed for busy people who just want the highlights. This presentation condenses the material in our main Medicare presentation and tells attendees what they need to know…and no more. Key points they'll walk away with: Medicare isn't free; Medicare leaves gaps; if you don't sign up on time you'll pay more; before retiring, it is crucial to estimate what your health care expenses will be in retirement; how to start thinking about long-term care ($299 value).
Horsesmouth Savvy Medicare Planning Transitioning to Medicare

Transitioning
to Medicare

Transitioning to Medicare—How Health Insurance Works After You Leave Your Job

  • This 30-minute client presentation will allow you to give pre-retiree clients and prospects a primer on transitioning to their retirement health care system without going into excessive detail or supplanting the appropriate professionals ($299 value).

CLIENT REFERENCE

Horsesmouth Savvy Medicare Planning The Boomer's Guide to Savvy Medicare Planning

50 Copies

The Boomer's Guide to Savvy Medicare Planning (50 copies):

  • Elaine Floyd, CFP®, Horsesmouth’s Director of Retirement and Life Planning, has worked to develop a client resource on Medicare—one that addresses the basics, but also dives into the more advanced aspects of a complicated topic. It’s The Baby Boomer’s Guide to Medicare: a helpful reference that nails down all the important information in one digestible, four-page resource. You should have received 50 copies with your membership. ($299 value)

MEMBER'S-ONLY WEBSITE

Horsesmouth Savvy Medicare Planning Member's Only Website

Member's Only
Website

Savvy Medicare Planning website:

  • A complete subscriber-only website gives you instant access to all the Savvy Medicare Planning resources including presentation slides, notes, marketing materials and more.

MARKETING MATERIALS (FINRA-reviewed):

Horsesmouth Savvy Medicare Planning Marketing Toolkit

FINRA-Reviewed

Marketing Toolkit:

  • PDF templates: brochure, poster, postcards and press release. ($299 value)
    Horsesmouth Savvy Medicare Plannin Client Reprints

    12+ Reprints

ARTICLE REPRINTS  (FINRA-reviewed):

Article Reprints:

  • 12+ article reprints about Medicare and retirement health care. These FINRA-reviewed features are ideal for communicating with clients and prospects. Brand these article reprints with your contact information, photo and logo to create a client touch that's both instructive and memorable. ($1,164 value)

NEWSLETTER

Horsesmouth Savvy Medicare Planning Monthly Newsletter

Twice-Monthly
Newsletter

Twice-Monthly Newsletter:

  • Each issue is packed with information and updates from Elaine Floyd on the latest Medicare news, program updates and answers to difficult questions. Newsletters are also archived on Savvy Medicare Planning website.

SOFTWARE

Horsesmouth Savvy Medicare Planning i65 Software Logo

10% discount
on i65 software

Special 10% discount on i65 software:

  • Eliminate the worry of skyrocketing healthcare expenses during retirement with i65®. This comprehensive online platform empowers you to effectively plan for your client’s healthcare premiums, out-of-pocket payments, and long-term care costs. Moreover, i65 safeguards your clients from costly and potentially disastrous mistakes when enrolling in—or making decisions about—Medicare.

REFERENCE CARDS

Horsesmouth Savvy Medicare Planning Quick Reference Guide

Reference Card

Health Care Quick Reference Card:

  • People need concise, objective and easy to understand information about Medicare and its many complexities. Now you can give them just that with the Health Care Quick Reference Guide.This branded 8.5" X 11" reference has plenty of Medicare information. Each side includes critical information about insurance choices, when to apply, premiums and deductibles, and references to other resources with more information.
    Horsesmouth Savvy Medicare Planning Flowchart

    Flowchart

Medicare Enrollment Planning Flowchart:

  • There are a lot of rules to remember about who signs up for Medicare and when. Now you have an easy visual reference to walk clients through the decisions they need to make. This customized 8.5" X 11" reference is an easy to read guide to the Medicare enrollment process. It’s great to give away or sit down and discuss with clients.
    Horsesmouth Savvy Medicare Planning Q and A Forum

    Q&A Forum

EXPERT ANSWERS

The Savvy Medicare Planning Question and Answer Forum:

  • A large collection of Medicare Q&As. 700 hundred professional questions and Elaine Floyd’s answers are all there. Read through previous Q&As or enter your own question and start learning.
    Horsesmouth Savvy Medicare Planning 100 Questions Answered

    100 Questions
    Answered

100 Medicare Questions Answered: What Savvy Advisors Need to Know:

  •  Every day Elaine Floyd, CFP® spends time researching and answering tricky, perplexing, contradictory, and generally vexing Medicare questions. Now she's gathered some of the most common ones for your reference.

PROGRAM LEADER

Elaine wrote the books (literally) on Social Security and Medicare for professionals. She has been quoted in the Wall Street Journal, The New York Times, U.S. News & World Report, Kiplinger’s Retirement Report, Robert Powell’s Retirement Weekly, and is a popular speaker at FPA, FPA NorCal and the AICPA.

Horsesmouth Savvy Medicare Planning Elaine Floyd

What Professional's Are Saying About Elaine Floyd

Many professionals already know Elaine from her excellent work leading the Savvy Social Security program. You can expect the same with the Medicare program. Here's what people have said about Elaine's Social Security program:

Great Instant Credibility

"We had a client couple move to GA for retirement. We gave them instructions on what to tell the SS office in order to start benefits. The office's recommended strategy was faulty.

"After several email exchanges between our office and the local SS office they conceded that we were right and gave the clients benefits and past due checks. They were thankful for the information and said they would be educating their staff as well as doing supplementary training.

"None of this would have been possible without help from Elaine in giving them backup data for the recommendations. We were even able to quote the POMS manual. It gave us great instant credibility to start a seminar off." —Michael Egan, Vienna, VA

Dry and Boring Made Very User Friendly—Clients and Prospects Eager

"First of all, thank you for your work and the resource you have become for professionals in the arena of Social Security. I purchased the Horsesmouth curriculum several months ago and have been a student of it since. I am planning to hold my first workshops in September and already have clients and prospects eager to attend.

"I also want you to know that I enjoy reading your material because it is so well done and friendly! I say friendly because this stuff is so dry and boring and unattractive in and of itself (unless one is an actuary), and you have made it very user friendly. Thank you again. —Susan Tackett, Visalia, CA.

Able To Make a Difference

"I have helped several widows who have lost their husbands at a relatively young age, and had either forgotten or simply did not know they could be eligible for the spousal benefits. This has occurred multiple times.

"It is disheartening to realize how many struggling beneficiaries are unaware of their options. In this case, thanks to Elaine's program, I was able to make a difference." —Philip Rongo, Lebanon, NJ

Risk-Free GUARANTEE for Savvy Medicare Planning

Horsesmouth Savvy Medicare Planning 100% Guaranteed

Make Savvy Medicare Planning a key client-service offering for your pre-retirees and their friends and families. The coming retirement wave presents a unique and sustained opportunity for you to extend and enhance your reputation on critical health care and retirement issues.

By helping people better understand all their Medicare options, you'll be helping them achieve a small "peace of mind" as they move into and through their retirement years. That's why I urge you to obtain the Savvy Medicare Planning program and make this guarantee:

Learn the program. Present it to your clients and prospects. Use it one-on-one and in group settings—as a client education workshop. Do that for 12 months. If you're not finding that your clients and prospects are extremely grateful to have a competent, confident and knowledgeable professional guide them through the ins and outs of Medicare planning, we'll completely refund 100% of your purchase price—guaranteed, no questions asked. Just call and tell us you're returning all the materials to Horsesmouth at: Horsesmouth, 230 Park Avenue, 3rd Floor West, New York, NY 10169. Phone: 212-343-8760, Ext. 1.

Add Savvy Medicare Planning to Your Client Education Line-Up

Your business partly grows based on hard-earned referrals you receive from clients and professional allies. Those referrals are rooted in the deep trust clients have in you. You've earned that trust by overseeing their financial lives, pointing them on the right path to growing their investments and building a retirement nest egg—and smartly drawing down on that savings to fund a regular retirement paycheck.

Making that life-changing transition—however incremental it may be—starting at age 65 (when they must sign up for Medicare) will be one of the biggest challenges those clients will face. And making the right choice about health care coverage is a critical step for them.

You're the natural person in your clients' lives to offer guidance on Medicare. When you deliver direction on such a sticky, panic-inducing topic like health coverage in retirement, you make a big deposit in the client trust bank—the kind that earns undying loyalty and referrals.

Join Savvy Medicare Planning
Click to Learn More.

Request a Desktop Demo for Savvy Medicare Planning:

Horsesmouth Savvy Medicare Planning Request a Desktop Demo

Demo includes:

  • Client workshop presentation and speaker notes
  • Financial Advisor's Guide to Savvy Medicare Planning
  • Case questions submittal
  • Marketing Toolkit
  • Article Reprints
  • Client Handouts
  • Newsletters
  • Savvy Medicare Planning subscriber website

Click here to sign up or call (888) 336-6884 ext. 1

About Horsesmouth

Since 1997, Horsesmouth has been helping financial professionals succeed by providing timely guidance on key topics such as business development, practice management, financial planning and investment strategies.

FOR INSTANT SERVICE Call Toll Free: 1-888-336-6884 ext 1 (Outside U.S.: 1-212-343-8760)

 

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