Healthcare expenses are one of the most significant—and often unpredictable—costs in retirement. From prescription drugs and routine care to long-term care needs, the rising cost of healthcare in retirement has become a central planning issue.  While many retirees expect Medicare to cover the majority of their expenses, the reality is that out-of-pocket costs often increase over time. Without proper planning, these rising costs can strain retirement income, especially when combined with other risks like tax increases or market volatility.  This is where a Power of Zero approach can offer a different way forward. By shifting resources to more tax-efficient […]