July 2025: Healthcare and Financial Planning
COVER STORY
How to Navigate a Possible Affordable Care Act Change and Ensure Clients’ Goals Stay on Track
By Christine Simone
Potential changes to tax subsidies available with healthcare covered through the Affordable Care Act marketplace could make insurance more expensive for clients.
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RISK MANAGEMENT
Creating Guaranteed Income with QLACs
By Michael B. Schoffman, CFP®, CDFA, CRPC
Longevity risk is a significant factor in many clients’ retirement plans. These deferred annuities provide one option for creating income later in life.
FPA NEXT GENERATION PLANNER
Forward Thinking
Supporting Clients Through Good and Bad
By Dominic Monk, CFP®, CPWA, CIMA
Lead Article
How CRM Software Helps Build Stronger Client Relationships, Engagement, and Retention
By Cameo Roberson
Planner Poll
The FPA Community Weighs in on Showing Clients How They Matter
Planning a STUDY GROUP? Check out suggested questions and other resources to make your study group a success!
COLUMNS
Marketing
What Kind of Results Should You Expect from Digital Marketing?
By Kalli Fedusenko
Crafting the right marketing plan has a lot in common with the discovery process for a new client.
Longevity
The Risks That Financial Professionals Are Not Pricing into Client Portfolios
By Chris Heye, Ph.D.
It’s easy to track quantifiable metrics, but measuring your clients’ declining health and how that can impact your firm requires nuance.
Leadership
Why Clients Succumb to Bias and What to Do
By Barbara Kay, LPC, RCC, TIPC
Market fluctuations will always rattle investors, but your guidance can ensure clients stick to their financial plans despite the temporary downturns.
RESEARCH
Mapping the Language of Retirement: Aspirations, Challenges, and Planning Implications
By Joseph F. Coughlin, Ph.D.; Chaiwoo Lee, Ph.D.; Sophia Ashebir; Lisa D’Ambrosio, Ph.D.; and Katie Warren
There is a limited vocabulary associated with “life after career” and most of it is positive or neutral. This paper demonstrates that clients may have difficulty imagining their future life, highlighting the need for planners to help guide them in the retirement planning process.
Earn one CFP CE® credit by reading this month's Journal and access past exams for additional credits.
DEPARTMENTS
STARTING THOUGHTS
Insurance Uncertainty
By Danielle Andrus
OBSERVER
LTC Risks, SF’s Pro Bono Annual Financial Planning Day, Student Loan Payments
Stat Bank
JFP ACADEMICS
Upcoming Research
IN CASE YOU MISSED IT
Strengthening Adviser–Academic Connections: Making Financial Planning Research Accessible and Actionable
By Khurram Naveed, CFA, CFP®; Donovan Sanchez, CFP®; Megan McCoy, Ph.D., LMFT, AFC, CFT-I; and Blake Gray, Ph.D., CFP®
There is a schism between what financial planning research covers and what practicing financial planners need to know to enhance their day-to-day operations. This paper looks at some of the ways that researchers and planners can close that gap.
Click HERE to access Journal of Financial Planning ARCHIVES
