07.13.26

How Advisors Can Help Clients Plan for Fertility Treatment Costs

by: Kathryn Miller

Financial advisors are increasingly helping clients plan for fertility treatments that can require multiple rounds and create significant pressure on savings and retirement goals. Advisors cited costs of about $30,000 per couple for treatment, while surrogacy may reach $250,000. Recommended steps include confirming insurance coverage and financing terms, establishing a separate treatment fund and planning how to restart retirement contributions or repay loans after treatment. Advisors also emphasized documenting potential costs early and approaching the discussion with sensitivity because clients often view the expense as necessary rather than optional.

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