What is a HALO assessment?
The short answer
HALO (Health Analysis & Longevity Optimizer) is an assessment 1.oak Financial uses inside long-term care planning. It translates your health profile into planning numbers: how long your money may need to last and what future care could cost, so those figures come from analysis instead of guesswork.
Why health data belongs in a financial plan
Two retirements with identical account balances can need very different plans if one is likely to last eight years longer or include a long stretch of paid care. Most plans dodge the question with an average. HALO replaces the average with an analysis of you.
What it produces
- A longevity outlook grounded in your health profile rather than a national table
- A clearer read on potential long-term care needs and their timing
- Numbers the long-term care component of your plan can actually be built around: insurance decisions, self-funding targets, family conversations
Where it came from at 1.oak
Mike Milligan added health assessments to the firm's planning process after his own health turnaround: a two-year push from 350 pounds to 230 that convinced him health and wealth aren't separate subjects. The firm partnered with Lumiant, the creator of HALO, to make that connection part of every plan that needs it.
Take it yourself
The assessment is free: complete the HALO assessment here, and bring the results to a complimentary call.
Reviewed by the 1.oak Financial team · Educational information, not individualized advice. Investment advisory and financial planning services offered through Advisory Alpha, LLC, a Registered Investment Advisor.
