Long Term Care
Plan now so extended care costs don't derail your future.
Long-term care planning is often overlooked but can be a key component of a solid financial foundation, especially as people continue living longer. Although your need may be far into the future, the time to plan for it is now—to help ensure expenses are covered if and when extended care is needed.
- Proactive planning before needs arise or premiums climb
- Options to cover home care, assisted living and nursing facilities
- Protection for your spouse and heirs from large out-of-pocket costs
- Strategies integrated with your broader retirement plan
Adults who want to prepare for potential extended care needs without burdening family or depleting savings.
- 01Evaluate the risk
Review family health history, longevity and potential care settings.
- 02Estimate future costs
Model expenses based on your region and preferred care options.
- 03Select a funding path
Compare self-funding, insurance and hybrid strategies side by side.
- 04Implement and revisit
Put the plan in place and reassess as health and rates change.
When should I start planning for long-term care?+
The earlier the better. Planning in your 50s or early 60s typically offers more options and lower premiums than waiting until a health event occurs.
Let's build your retirement strategy together.
A candid, one-hour conversation with a senior financial professional. No obligation, no product pitch.