More than half of financial advisers surveyed by Nationwide Financial find it difficult to discuss their clients' health with them and to address how they will pay for health care. Clients can also be reluctant, with close to three-quarters not realizing how important health care is to a financial plan. Advisers are more likely to have this conversation if they feel comfortable with and knowledgeable about the subject matter. For guidance on advising your clients on Medicare decisions, reference the AICPA's popular CPA's Guide to Financing Retirement Healthcare, available free to PFP/PFS members and for sale to non-members.