"A key component of a comprehensive and effective retirement plan includes estimating potential costs and risks in retirement, including those associated with health care and long-term care. Four in 10 FPs and consumers surveyed agree this is one of the most difficult aspects of retirement planning.... [W]hile most FPs say they are discussing these topics, less than half of consumers recall these discussions: 96% of FPs say they talk about physical health issues with clients, but only 44% of clients recall those conversations. 90% of FPs report discussing cognitive decline, yet just 31% of clients say the topic came up."  MORE >>