Sources
- Fidelity Investments, 2026 Retiree Health Care Cost Estimate (25th annual), July 2026. Estimate is per person, age 65, Original Medicare plus Part D; excludes long-term care.
- Chetty R., et al., “The Association Between Income and Life Expectancy in the United States, 2001–2014,” JAMA, April 2016.
- Social Security Administration period life tables; American Academy of Actuaries and Society of Actuaries, Actuaries Longevity Illustrator (longevityillustrator.org). Probabilities vary by health, income and data source.
- S&P 500® annual total returns, 2000–2024, as published by S&P Dow Jones Indices. Index returns do not reflect fees, taxes or expenses. You cannot invest directly in an index.
- IRS Rev. Proc. 2025-32 (2026 brackets and standard deductions); Public Law 119-21 (2025), including the $6,000 senior deduction for 2025–2028.
- CareScout 2025 Cost of Care Survey (national medians, July–November 2025).
- For long-term financial-planning projections, we assume care costs will increase by 4% annually. This is a reasonable planning assumption based on CareScout and Genworth’s long-running Cost of Care Survey, which has tracked U.S. long-term-care expenses since 2004. Actual increases vary by care type and year; for example, the 2024 survey reported increases of 3% for home-health aides, 7%–9% for nursing-home rooms, and 10% for assisted living.
- Johnson, R., “What Is the Lifetime Risk of Needing and Receiving Long-Term Services and Supports?” Urban Institute / HHS ASPE; Medicare.gov, skilled nursing facility coverage.
- The term “Rewirement” is drawn from Jamie P. Hopkins’ book of the same name.
Important information
This site is for education only. It is not a recommendation to buy or sell any investment, insurance product or strategy, and it is not tax or legal advice. All examples are hypothetical and do not represent any actual client. Tax examples use 2026 federal law for illustration only; Florida has no state income tax, and your results will differ. Past performance does not guarantee future results.
Advisory services offered through Royal Fund Management, LLC, an SEC-registered investment adviser. Insurance products are offered separately. Guarantees are backed by the claims-paying ability of the issuing insurance company.
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Bryan Daly, CFP®, RICP®
561-246-1404, Bryan@BryanDaly.com
601 Heritage Drive #204, Jupiter, FL 33478