J Johnson, MSFS, CFP®, CFS® has been a New York University trained Certified Financial Planner™ professional for nearly 25 years. His area of focus has been retirement investing and income planning.
Yet, as more of his clients successfully reached retirement and had to enter the Medicare system he saw the confusion and anxiety this created. These are smart people but they were being asked to navigate a system that they never had to deal with before. Many of the decisions they had to make were time limited and carried penalties for error. Some of those penalties could last for a lifetime.
There was more to financial planning for retirement than being absolutely assured of never running out of money. A financial planning approach was needed for this Medicare area also or the financial plan was incomplete.