As you plan for retirement, it's easy to focus on travel dreams, family time, or simply the freedom of no longer working full-time. But one area that deserves special attention—perhaps more than any other—is your future healthcare costs.

At Clarity Financial, Caroline Raker works with educators, nonprofit professionals, faith-based leaders, and small business owners to help them prepare for the real (and rising) cost of medical care in retirement. With the right planning, you can protect your income, your savings, and your peace of mind.

Why Healthcare Planning is Essential in Retirement

According to recent reports, a 65-year-old couple retiring in 2025 can expect to spend over $300,000 on healthcare throughout retirement—and that doesn’t even include long-term care. These costs include:

• Medicare premiums, deductibles, and copays

• Prescription drugs

• Dental, vision, and hearing expenses

• Long-term care or assisted living

• Supplemental and out-of-pocket costs

Without a plan, these expenses can quickly eat into your retirement savings or force difficult choices later in life.

Understanding Medicare – The Foundation of Retirement Healthcare

Medicare plays a key role in covering many health costs in retirement. Caroline Raker provides personalized guidance to help you:

• Understand the different parts of Medicare (A, B, C, D)

• Choose between Original Medicare and Medicare Advantage

• Select a prescription drug plan (Part D)

• Know your enrollment timeline and avoid penalties

Navigating Medicare can be confusing, but with expert help, you can make confident, informed decisions that align with your health needs and budget.

The Role of Supplemental Insurance

Even with Medicare, you’re likely to face out-of-pocket costs. That’s where supplemental insurance (Medigap) or Medicare Advantage plans come in. Caroline helps clients:

• Compare Medigap vs. Advantage plans

• Evaluate monthly premiums and coverage limits

• Factor these plans into their retirement budget

Supplemental coverage ensures that unexpected medical bills don’t derail your financial stability.

Planning for Long-Term Care

Long-term care is one of the biggest financial risks in retirement. At Clarity Financial, we offer access to long-term care insurance and hybrid life/long-term care solutions that:

• Cover home health care, assisted living, or nursing facilities

• Preserve your retirement assets

• Offer flexible benefit structures

Whether through standalone LTC insurance or life insurance with riders, we help you choose a plan that fits your health outlook and family priorities.

Healthcare and Retirement Income Planning

The rising cost of care makes it more important than ever to build reliable income streams in retirement. Caroline Raker works with clients to:

• Use Fixed Indexed Annuities with optional income riders

• Maximize Social Security with proper timing strategies

• Ensure healthcare expenses are integrated into the overall plan

With zero admin costs and no market downside risk, our retirement income strategies are built for both growth and protection.

Why Work with Caroline Raker and Clarity Financial?

When it comes to healthcare and retirement, you don’t need a one-size-fits-all plan. You need a personalized strategy. That’s where Caroline’s approach shines:

✅ Specializes in retirement solutions for educators, nonprofits, and faith-based communities
✅ Offers expert Medicare, Social Security, and insurance guidance
✅ Access to A+ rated products with no hidden fees
✅ Committed to financial education through workshops and 1-on-1 planning

Let’s Protect Your Health—and Your Wealth

Healthcare costs in retirement are unavoidable—but they don’t have to be overwhelming. With the right plan in place, you can enjoy your retirement years with confidence, clarity, and control.

📞 Schedule your free consultation with Caroline Raker today.
🔗 Visit clarityfin.net or call 540-858-1464
📧 [email protected]

At Clarity Financial, we’re here to help you plan wisely—so you can live fully.