Since healthcare costs are the number one fear in retirement for Americans, this article will focus on which states are the least expensive to retire in based on healthcare costs.

Healthcare represents one of the biggest risks to clients' wealth. Supporting healthcare decision-making benefits the accuracy of the financial plan while delivering value through deepened client-advisor relationships, leading to retention and increased revenues.

An important part of tax planning is medical expenses, which add up quickly. Your clients (including spouses and dependents) will have medical expenses throughout the year, and hanging onto those receipts could save them money this year.

Medicare isn’t a “one-and-done” deal. You need to revisit the conversation regularly depending on the time of year or certain events to ensure it is still in line with your clients’ needs and budgets.

Whether your planning approach involves three, five or seven pillars, it is likely you are missing the top financial concern for Americans: health care.