Warning Will Robinson
There is pending before the Supreme Court a decision on the Affordable Care Act (Obamacare) brought by several
GOP controlled states to have the whole thing declared unconstitutional. Your financial advisor certainly used the cost of health insurance with the ACA intact in making his projections.
If the SCOTUS tosses the law as has been demanded by those several states, there will be no more balancing of cost based on age so older people will pay WAY more as there are caps in the ACA on age based premiums. The present cost is well over 1000/mo/person for a Silver plan which has a fairly high out of pocket and/or coinsurance requirement. There also will be cost determined by pre-existing condition so if you or your spouse have an elevated BP or cholesterol be prepared to get slammed or refused coverage at all.
Now if you are a multi-millionaire this will all be pocket change.