Long-Term Care

Long Term Care

We offer several LTC solutions including individual plans, asset-based long-term care, and life-insurance-based long-term care. We will work with you to find the best plan for your LTC needs.

Chances are you could live well into your 80s, your 90s and possibly even longer

When you live a long life, the likelihood you’ll need long-term health care is greatly increased. Younger people also need long term care as a result of accidents or illnesses. Almost 70% of people turning age 65 will need long-term care at some point in their lives¹. Many people think the phrase “long-term care” refers to an insurance policy.

¹Source: Administration on Aging, U.S. Department of Health and Human Services

Long-term care encompasses everything

While insurance may be part of your strategy, long-term care encompasses everything from long-term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.

Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group/employer insurance. For seniors on Medicare, the long-term care benefits can be quite limited.

That is why over 10 million Americans have purchased long-term care insurance¹. We offer several LTC solutions including individual plans, asset-based long-term care, and life-insurance-based long-term care. We will work with you to find the best plan for your LTC needs.

Services

Helping you in all areas of retirement planning

Retirement Planning

No matter where you are in life, we can provide you the guidance, tools, and services to help prepare for retirement on your terms.

Annuities

Are you in or near retirement? Learn how annuities can help generate a reliable stream of income or increase your current savings.

Insurance Reviews

Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your customized strategy.

Income Strategies

Learn about income strategies for guaranteed lifetime income that can help you maintain your lifestyle now and in retirement.

Life Insurance

A reliable insurance strategy could help protect you and your family from the financial consequences of major life events.

Social Security Optimization

We can help you understand your Social Security benefits and educate you on how you can maximize those retirement benefits.

Tax Planning

Understanding how tax strategies are used to manage your tax bill should be a major part of any reliable financial approach.

Money Management

One of the keys to a reliable financial strategy is spending less than you take in, and then finding a way to put your excess to work.

Investment Strategies

Investing is about proper planning to achieve your financial goals: retirement, paying college, or just providing for your family.

Employee Benefits

Creating a plan that balances the goals of both the organization and its employees requires thorough analysis and review of benefit options and costs.

Chances are you could live well into your 80s and 90s, or longer. A long life greatly increases the likelihood you’ll require long-term health care.

Estate Planning

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death.

Financial Education Courses

I’m an instructor with Adult Financial Education Services (AFES), specializing in planning and guidance for those who are seeking a better lifestyle and a guaranteed income in retirement.

Lifestyle Planning

Lifestyle matters look at how to balance work and leisure efficiently, how to make smart choices for the future, as well as many other items regarding how to help you enjoy the journey.