Many retirees focus on investments and taxes but fail to plan properly for Medicare decisions, healthcare costs, long-term care risks, and insurance gaps. One mistake in these areas can undo decades of smart financial decisions.In this episode of Retire Stronger, John Foard and Bill Kearney conclude their 2026 retirement planning series by focusing on one of the most critical—and commonly overlooked—areas of financial planning: healthcare and protection planning.

Chapters:

(0:00) Episode Overview & Why Healthcare Planning Matters(2:05) Protection Planning vs Pessimism(4:15) Medicare Enrollment Timing & Lifetime Penalties(6:45) Prescription Drug Coverage & Annual Medicare Reviews(8:55) IRMAA: How Income Impacts Medicare Premiums(11:45) Long-Term Care Planning: The Real Risk(14:10) Cost of Nursing Homes & In-Home Care(16:50) Long-Term Care Insurance vs Self-Funding(20:10) Insurance, Umbrella Coverage & Retirement Risk(24:00) Estate Planning, Beneficiaries & Final Takeaways

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