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When it comes to helping clients save and prepare for health care expenses in retirement, financial advisers typically embrace one of two strategies: Focus on smaller near-term costs and hope for the best, or present clients with the overwhelming total they will likely need during retirement and hope for the best.
[More: Tech to help advisers plan for more years of healthcare costs in retirement]
Neither approach is perfect. But experts say addressing retiree health care costs in any form is better than not talking about the topic at all, which might qualify as a third strategy.…