Health can change in a heartbeat. Put a HALO around your client’s financial plan.


Your client’s HALO Report starts with their customized lifespan and ends with the health costs of their lifespan. 

How to Use HALO Results (Advisor) 

  • Create a financial plan using the latest scientific research for predicting much longevity
  • Offer a wide range of financial products for protecting your client’s wealth
  • Refer your client to other professional Halo services such as elder attorneys

How to Use HALO Results (Client)

  • Modify lifestyle for healthier behavior to improve longevity 
  • Know how much money will be needed to cover your healthcare costs in retirement 
  • Get educated on caregiving options and requirements 
  • Decide on how you want to live the later years of your life 
  • Start a family caregiving plan

HALO is the only science-based planning software that breaks down the remaining years of your client’s life allowing you to fully customize your client’s financial plan to their personal lifespan.


What are the INPUTS for your client's HALO results?



6 Components of HALO

  1. Hereditary Health & Lifestyle Risk
  2. Longevity Timeline
  3. Active Healthy Working & Retirement Years
  4. Extended Care Years
  5. Lifetime Out-of-Pocket Care Costs
  6. Total Care Spending Projections



HALO includes your client's 

Probability of Living to 90, 95, and 100



A top concern among clients is running out of money retirement. If your client sees a realistic number of living to an advanced age of 90 to 95, then they may feel more confident planning to that age.


Quick Tip: 

Investors with a plan in place are significantly more confident! 

Have a plan in place 71% 

Do not have a plan in place 27%


Lifespan Timeline

How Do You Want To Live The Years of Your Life

HALO’s cutting-edge analysis breaks down your client’s life into 3 phases:

  • Active Working & Retirement Years
  • Extended Care Years
  • Years Lost


What if I Don’t Like My Results?

Just like seeing too much debt or too little savings in your accounts, seeing your lifespan can be
uncomfortable. Some people can get angry. But helping your client deal with the reality of their health
is exactly the same as helping them deal with the reality of their finances. To alleviate your client being
angry or embarrassed by their HALO results, here are two suggested ways you can do HALO.

Two ways to share HALO with your clients:  WAYS TO SHARE HALO WITH YOUR CLIENTS 

Client Directed   Advisor Directed
  1. You send your client a link to your HALO
  2. Client enters their responses into the
  3. Client enters their name and email
    address at end of questionnaire
  4. Client sees a snapshot of their lifespan
    and receives an email that their full
    HALO report went to you
  5. You receive an email that your client
    took HALO with a PDF attached report
  1. Schedule a meeting with your client
    either in person or over the phone
  2. Pull up your HALO calculator and without
    showing your client the computer screen,
    ask them the questions on the HALO
    questionnaire and record their
  3. Enter your client’s name and email to get
    the full HALO report sent to your inbox.
  4. Check your email for your client’s full
    HALO report



Because HALO shows your client’s lifespan, some people don’t like their results and can become
angry. If you ask you client the questions and take HALO for them, then you control how much of the
analysis they see and protect them from potential unpleasant information.


Cost of Assisted Living

Preparing for the inevitable

Halo's proprietary model predicts the number of years your client will likely need assisted
living. 30 % of people age 50 + think they may need long-term care during their lifetime, but the
reality is 70% of people will need long-term care at some point in their later years.

7 out of 10 people will need daily 

assisted living during their lifetime 


Halo uses the latest published research on annual median household spending on the multiple levels of care. These costs are differentiated by state and assumed to occur toward the end of your client’s lifespan for calculating the effect of inflation. Costs are then multiplied over the number of predicted assisted years.


How to Use this Section with Your Client

These predicted care costs can be used with your client to begin a conversation about what your client’s wishes are for future care options and how much they should be expecting to pay. A few important things to keep in mind:
  • These costs do not include Medicare subsidies but represent the full, private pay rate.
  • No one will exactly match the median costs (where exactly half of the participants are below the stated cost and half are above that cost).
  • Assisted living happens along a continuum of care using a combination of the types of care available. Most people are unaware of how much cost is involved in the various levels of care. And most likely, they have not thought about what they want in terms of care. By showing a list of options, your client can now start to think about what they want to plan for with their expected assisted years.

Cost of Assisted Living

Preparing for the inevitable


Myth of Medicare

Family Burden

Having Enough Money

Medicare only covers expenses once you have paid your assets down to $2,000. 


Washington is looking to drastically cut Medicare funding. 

Investor strongly prefer to
NOT rely on their children.


Many older people consider being a burden on their family as worse than being on life support.


Wealthy investors prefer to stay at home and rely on a spouse or home health aide than burden their children with care giving responsibilities.

77% of investors have NOT saved for future medical expenses.


Only 50 % of investors have factored healthcare into their financial plan.

“I have friends who are making decisions on costs between helping their parents with long-term care or saving for their kid’s college.” Male, age 49 


Cost of Assisted Living

The Great Disconnect with Families

Aging parents now seek to avoid being a burden to their children with regard to long-term care. What used to be the norm is now something investors are specifically trying to
avoid. In fact, investors’ greatest fear about old age is being a burden to their family.

Out-of-Pocket Care Costs

Know Your Numbers

Your client’s Out-of-Pocket Care Costs represents the amount of money they can expect to pay on
healthcare IN ADDITION to the cost of daily assisted living.

Quick Fact:

Did you know that Medicare only covers about 60% of a person’s healthcare costs? Most people underestimate their health care costs by at least 50%? 

Where do the numbers come from?

Lumiant uses the latest published research on healthcare spending on Out-of-Pocket Care Costs.

Is Medicare Included?

Yes. Medicare premiums and out-of-pocket expenses are included for ages 65+


Room for Improvement

Take Care of Yourself

Tips for taking care of yourself when you have disease risk in your family can help you avoid
unnecessary pain and problems down the road.


Putting it all together

Your client’s HALO report ends with a summary of their
expected healthcare costs in retirement. You will want to
use this information to make sure they are:

  1. saving enough money to cover costs
  2. prepared to protect their assets and
  3. preparing their loved ones.

Getting older is not easy!

People face a lot of challenges as they age, and your client
is no different. The good news is, as their advisors, your
part is easy. By showing them their health-related financial
goal, the rest is just math!


Lifetime Out-of-Pocket Spending in retirement + Annual Assisted Living Costs = TOTAL CARE SPENDING GOAL


Next Steps

Lumiant’s Commitment to Helping You Make the Health-Wealth Connection in Your Practice


EDUCATION We help you stay on top of understanding all the health-wealth topics for serving your client.
We make it easy for you to connect with your clients on health care cost planning by providing ready-to-use marketing materials
We provide a suite of planning products to help you manage your client’s health-wealth needs.
Regular, ongoing support for how to talk to your clients about their health -wealth conditions










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