{"id":465,"date":"2014-06-13T13:19:20","date_gmt":"2014-06-13T20:19:20","guid":{"rendered":"https:\/\/shellyrobersonrealtor.com\/?p=465"},"modified":"2015-03-25T22:09:52","modified_gmt":"2015-03-26T05:09:52","slug":"health-care-retirement-costs-for-couples-top-220000-imagine-a-real-estate-strategy-to-help-pay-for-that","status":"publish","type":"post","link":"https:\/\/shellyrobersonrealtor.com\/health-care-retirement-costs-for-couples-top-220000-imagine-a-real-estate-strategy-to-help-pay-for-that\/","title":{"rendered":"Health Care Retirement Costs For Couples Top $220,000 – Imagine A Real Estate Strategy To Help Pay For That"},"content":{"rendered":"

<\/h2>\n

\"Health<\/a><\/h2>\n

Planning For Retirement? Did You Know That The Average Couple Needs $220,000 For Health Care After 65? \u00a0Real Estate Investment Strategies Which Can Help You Meet Your Retirement Obligations And Allow You Benefits You Haven\u2019t Thought Of Are Available For You<\/h2>\n

<\/h2>\n

Wow, That\u2019s A Lot Of Money<\/strong><\/h2>\n

Research and recent data show that in order to be comfortable in retirement a retiree couple must figure that they will be spending an average of $220,000 during their retirement on health care costs.\u00a0 Importantly, this amount does not include nursing home costs, or other long-term care expenditures.\u00a0 If the average retirement lasts 25 years that is approximately $8,800 per year for two people \u2013 now that doesn\u2019t sound as bad, correct?\u00a0 No matter what the real number is it is imperative that people plan for these costs and expenses.<\/p>\n

\"logo-mm\"<\/a>Health Care Costs Have Leveled Off Recently<\/strong><\/h2>\n

Health care costs for retirees increased an average of six percent for nearly a decade until 2010 when it crested and began to level off.\u00a0 Lower-than-expected Medicare spending, continued long-term savings on prescription drugs because of the gradual closure of Medicare Part D\u2019s, and an increasingly cautious, and more selective, health-care consumer have led to the stabilization of costs. \u00a0Moreover, Obamacare, whether you are a fan or not, has increased awareness because of the notoriety and media coverage which has contributed to the flat pricing.<\/p>\n

You Need To Plan Now \u2013 Every Day Another Opportunity Is Lost<\/strong><\/h2>\n

Planning for retirement is a long-term process which should begin today if you haven\u2019t already mapped it out.\u00a0 Opening a health savings account (HSA), if possible, is another way retirees can help buffer the large monetary burden retirement imposes.\u00a0 Some people will not have the chance to save this type of money but those who do should be packing it away right now.\u00a0 Every day that goes by is another day that you could have done something.<\/p>\n

Legal & Encouraged Capital Gains Avoidance Strategies<\/strong><\/h2>\n

There are various strategies for helping people save for retirement expenses including tradition stocks, bonds, currencies, precious metals, 401K plans, and IRAs.\u00a0 However, a strategy based on real estate investment can also be employed.\u00a0 Many people are not aware that there are tax friendly real estate strategies which are designed to allow people to build equity and wealth while other people help you achieve those goals.<\/p>\n

 <\/p>\n

\"1031X-Display\"<\/a><\/p>\n

<\/h2>\n

One OPM Strategy \u2013 Other People\u2019s Money<\/strong><\/h2>\n

The basic (OPM) strategy is to purchase an income or investment property, as early as possible, wherein another person or entity is paying down the debt on the asset and increasing your equity and wealth.\u00a0 This strategy, and variations of it, can be employed to take advantage of the Internal Revenue Code I.R.C. Another example is transforming your personal residence into an income producing property (managed by a professional property manager<\/a>), and selling it after it has \u201ccured\u201d into a rental property, which effectively removes the equity from capital gains exposure and allows you to reinvest the entire asset amount into a like-kind commercial property.\u00a0 The commercial property will benefit you because the commercial tenants will pay for 100% of the costs and expenses of your new asset.\u00a0 The income kicking off from the new asset will be available to you to supplement your retirement income and help pay for your expenses.\u00a0 Another beautiful thing about this strategy is that you will not have to pay capital gains taxes on the sale of the asset, but will be able to enjoy the fruits of the rental income which are taxed at ordinary income tax rates.\u00a0 Yet another nice feature of this strategy is that the asset or building, if your trust is set up properly, can be left to your family and allow them to continue to benefit from the asset into the future. Where will you live while your personal residence is being transformed into a rental property?\u00a0 Who knows, but the income produced by the renting of your residence can be used for you to rent another residence while your former personal residence is being transformed.\u00a0 It actually works in concert and after a year or so you now have an income producing property than can be sold, and can be 1031 exchanged into a commercial building which will provide increased benefits for you and your family for many years to come.<\/p>\n

Contact Me So We Can Talk About Some Strategies<\/strong><\/h2>\n

To hear more about OPM real estate strategies, as there are many, contact me so I can share with you many of my ideas to help fund your retirement so you can live in comfort and peace.<\/p>\n","protected":false},"excerpt":{"rendered":"

Planning For Retirement? Did You Know That The Average Couple Needs $220,000 For Health Care After 65? \u00a0Real Estate Investment Strategies Which Can Help You Meet Your Retirement Obligations And Allow You Benefits You Haven\u2019t Thought Of Are Available For You Wow, That\u2019s A Lot Of Money Research and recent data show that in order…<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[12],"tags":[35,33,32,31,34],"yoast_head":"\nHealth Care Retirement Costs For Couples Top $220,000 - Imagine A Real Estate Strategy To Help Pay For That - shellyrobersonrealtor.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shellyrobersonrealtor.com\/health-care-retirement-costs-for-couples-top-220000-imagine-a-real-estate-strategy-to-help-pay-for-that\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Health Care Retirement Costs For Couples Top $220,000 - Imagine A Real Estate Strategy To Help Pay For That - shellyrobersonrealtor.com\" \/>\n<meta property=\"og:description\" content=\"Planning For Retirement? 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