White Papers
![retirement-planning-longevity-and-health-May-2024-400×515](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_400,h_515/https://hvsfinancial.com/wp-content/uploads/2024/05/retirement-planning-longevity-and-health-May-2024-400x515-1.png)
2024 Retirement Planning, Longevity and Health
May 2024
Longevity is one of the most significant factors in determining how much a client will be able to…
![2024 Medicare Part D Premiums Interim Data Report](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_572,h_736/https://hvsfinancial.com/wp-content/uploads/2023/12/2024-Medicare-Part-D-Premiums-Interim-Data-Report.png)
2024 Medicare Part D Premiums: National Cost Data Report
December 2023
Following our previous white paper focusing on the five states with the highest 65-plus populations…
![Part D cover](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_731,h_942/https://hvsfinancial.com/wp-content/uploads/2023/11/Part-D-cover.png)
2024 Medicare Part D Premiums: Interim Data Report
November 2023
A review of upcoming prescription drug premium increases and what retirees need to know.
![decumulation-400×514](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_400,h_514/https://hvsfinancial.com/wp-content/uploads/2023/07/decumulation-400x514-1.png)
Automating Retirement Planning & Decumulation to Address Healthcare
July 2023
Unveiling new practices that can save advisors time and help better prepare clients for critical retirement expenses.
![ss-benefits](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_456,h_586/https://hvsfinancial.com/wp-content/uploads/2022/06/ss-benefits.png)
Social Security: How Much Should Millennials Expect?
June 2022
Using the latest SSA projections to determine reasonable benefit expectations and retirement planning solutions.
![2022-Data-Report-cover](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_467,h_602/https://hvsfinancial.com/wp-content/uploads/2022/03/2022-Data-Report-cover.jpg)
The Long-Term Impact of Short-Term Inflation
March 2022
How CPI and other factors impact health cost inflation, and the cost changes current and future retirees can anticipate.
![LTC Report cover](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_231,h_300/https://hvsfinancial.com/wp-content/uploads/2021/06/LTC-Report-cover-1-231x300.jpg)
Long-Term Care and Financial Planning
June 2021
Long-term care cost projections and potential funding solutions can be shown to clients on a personalized level.
![2021 Data Report cover UPDATED](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_233,h_300/https://hvsfinancial.com/wp-content/uploads/2020/12/2021-Data-Report-cover-UPDATED-233x300.jpg)
2021 Retirement Healthcare Costs Data Report
December 2020
HealthView’s annual projections on retirement healthcare costs, inflation, and other factors in 2021 and beyond.
![Women’s Paper cover](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_233,h_300/https://hvsfinancial.com/wp-content/uploads/2020/09/Womens-Paper-cover-233x300.jpg)
Addressing the Women’s Longevity Gap
September 2020
Women must be prepared to cover expenses single-handedly after their husbands die, during their “longevity gap”.
![The Long Term Value of an HSA cover](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_230,h_300/https://hvsfinancial.com/wp-content/uploads/2020/05/The-Long-Term-Value-of-an-HSA-cover-230x300.jpg)
The Long-Term Value of A Health Savings Account
May 2020
A growing number of Americans have access to HDHPs with a health savings account (HSA) and the option to invest their assets.
![2019 retirement hc costs brief cover](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_231,h_300/https://hvsfinancial.com/wp-content/uploads/2020/05/2019-retirement-hc-costs-brief-cover-231x300.png)
2019 Retirement Healthcare Costs Brief
December 2019
Simple strategies on reducing medical expenses include personal wellness, consistent savings, proper planning, and more.
![Medicare Surcharges white paper](https://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/Medicare-Surcharges-white-paper-224x300.jpg)
The Impact of Indexing IRMAA Brackets
September 2019
Encouraging working Americans to save more for retirement is a priority for employers.
![Health needs to be part of retirement savings wp](https://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/Health-needs-to-be-part-of-retirement-savings-wp-233x300.jpg)
Health in Retirement Planning
July 2019
In terms of personal retirement costs, individuals have more control than they think…
![2018 Health Costs Report](https://sp-ao.shortpixel.ai/client/to_auto,q_lossy,ret_img,w_405,h_518/https://hvsfinancial.com/wp-content/uploads/2020/10/2018-Health-Costs-Report.jpg)
2018 Retirement Health Care Costs Data Report
October 2018
Americans planning for retirement will find both positive and negative news in this year’s report.
![Building Wealth Through Wellness](https://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/Building-Wealth-Through-Wellness-232x300.jpg)
Building Wealth Through Wellness
January 2018
In terms of personal retirement costs, individuals have more control than they think…
![2017 retirement hc costs data report](https://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/2017-retirement-hc-costs-data-report-234x300.jpg)
2017 Retirement Health Care Costs Data Report
August 2017
In terms of personal retirement costs, individuals have more control than they think.
![The high cost of living longer](https://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/The-high-cost-of-living-longer-232x300.jpg)
The High Cost of Living Longer
August 2017
In terms of personal retirement costs, individuals have more control than they think.
![Retirement health care costs and income replacement ratios](https://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/Retirement-health-care-costs-and-income-replacement-ratios-236x300.jpg)
Retirement Health Care Costs and IRR
August 2017
A key assumption underpinning the use of IRRs is that pre-retirement income is a good basis…
![2015 retirement hc costs data report](https://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/2015-retirement-hc-costs-data-report-232x300.jpg)
2015 Retirement Health Care Costs Data Report
August 2017
This report compares year-end data sets between 2013 and year-end 2014, and the company’s…
![magi on retirement hc costs](https://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/magi-on-retirement-hc-costs-234x300.jpg)
Understanding the Impact of MAGI on Retirement
August 2017
Many Baby Boomers believe they are ready to enjoy their golden years. Unfortunately, their retirement savings…
![Addressing the retirement hc cost crisis](https://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/Addressing-the-retirement-hc-cost-crisis-232x300.jpg)
Addressing the Retirement Health Care Cost Crisis
August 2017
There are a number of significant trends behind the emerging crisis in retirement health care costs.
![Closing the retirement gap](https://testing.hvsfinancial.com/hvsfinancial/wp-content/uploads/2020/03/Closing-the-retirement-gap-232x300.jpg)
Closing the Retirement Gap: The Planning Challenge
August 2017
There are a number of significant trends behind the emerging crisis in retirement health care costs.