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Most retirees and pre-retirees plan carefully for income, investments, and taxes — but few stop to ask what would happen if a health event disrupted it all. A sudden need for care can quietly change even the most well-crafted plan — and your income, independence, and peace of mind can all be affected. At Richmond Brothers, we believe retirement freedom isn’t just about having enough money — it’s about having a plan that protects your independence, your loved ones, and your peace of mind. The Overlooked Risk: When Health Affects Income If a health change requires ongoing care, income may need to stretch further or shift altogether. Traditional long-term care insurance can help, but it’s not always the right fit for everyone — especially for those concerned about paying for coverage they might never use. That’s where newer, more flexible strategies come in. Some retirement income approaches are designed to provide both protection and potential growth, while also including features that can help offset care costs if they arise. These integrated income-and-care strategies often combine income planning tools with long-term care protection — allowing you to: Help preserve retirement income even if health needs change Maintain flexibility in how and where you receive care, including at home Reduce the…

May 12, 2025 Guest Column Bill Wypyski CEO, Center for Family Health  In reviewing the US House of Representatives’ proposal to cut hundreds of billions from Medicaid, we are concerned about the Center for Family Health and the patients who get their health insurance through Medicaid coverage. Medicaid helps to keep people healthy, working, and living in their homes. Medicaid covers about half of children, 4 in 10 pregnant women, many people with disabilities, nearly all poor seniors age 65 and older, and other low-income adults, helping them get the health care they need. Our health center and its patients depend on Medicaid to finance needed health services. Among our patients, over 50% percent get their health insurance through Medicaid. Medicaid accounts for over 60% percent of our community health center revenues. Medicaid plays a significant role in the local and state economies by sustaining our community health centers, keeping rural hospitals open, supporting job growth, and saving taxpayer dollars by avoiding unnecessary health costs. Polls show the program is valued, and most voters do not want deep cuts in Medicaid. Yet Congress has proposed ways to cut Medicaid, such as reducing federal Medicaid matching dollars, limiting provider tax revenues,…