• When do I sign up for Medicare?
• What does Medicare cover?
• How much does it cost?
• Will I need other insurance?
• What about long-term care?

• You are concerned about retirement health care expenses
• You are age 60 or over
• You plan to take Medicare soon
• You are already taking Medicare
• You are ready to start planning

• 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

Now is the time to start planning for health care expenses in retirement. Find out what you need to do to obtain the coverage you need and protect against rising costs. This workshop is purely educational. No specific insurance or investment products will be discussed.

George Koeltl is a CERTIFIED FINANCIAL PLANNER™ professional at Reby Advisors, specializing in retirement income planning, tax planning and minimizing financial risks for families. He is also a Chartered Retirement Planning Counselor (CHRPC®) as well as a Certified Divorce Financial Analyst (CDFA™). George joined Reby Advisors in 2005 after serving wealth management clients as a financial advisor for Merrill Lynch and UBS.

George Koeltl CERTIFIED FINANCIAL PLANNER™