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Did you know that just about half of all Americans turning 65 today will require long-term care (LTC) in their later years? According to the Genworth Cost of Care Survey 2022, the daily median cost of an in-home health aide is $159.00 and the daily median cost of in-home health services, such as homemaker services […]Continue reading
It’s Long-Term Care (LTC) Awareness Month, and whether you’re in the market now or just curious about insurance coverage choices for the future, it’s important to know where, why, and how to get answers. There are three main options when it comes to LTC coverage. Traditional long-term care insurance:Also known as standalone long-term care […]Continue reading
It’s Long-Term Care Awareness Month, and it might also be time for you to purchase your insurance policy. Insurance can be costly and confusing, but it’s also necessary to avoid wiping out your retirement savings. Knowing what you need to buy and the best time to purchase is crucial. Consider this: The national […]Continue reading
According to a February 2021 Barron’s article, there will be 60% more elderly population by 2030. That’s less than a decade away, which means now could be the time to talk about care planning. If you’re an annuity owner, chances are you’re either part of the 79% that see it as a resource to avoid […]Continue reading
Let’s start with the most echoed statement on the web: Americans are living longer but aren’t necessarily healthier, leading to health problems later in life. The U.S. Department of Health and Human Services reports that 69% of people will use long-term care services at some point. And that care comes with a cost: Long-term care […]Continue reading
“Shirtsleeves to shirtsleeves in three generations.” The saying is true, and the cycle is real. As the expression indicates, after the buying, the building, and the selling, there’s rarely anything left of a family’s wealth for the fourth generation. Multi-generational planning focuses on breaking that cycle by allowing your heirs to have the knowledge […]Continue reading
You have spent your whole life organizing your legal documents, so each piece is readily available for doctors’ visits, taxes or other financial opportunities. But does your family understand where to find these vital documents in a time of need? Utilize this checklist to create an inventory of all of your personal, financial, and […]Continue reading
You have spent your whole life organizing your legal documents, so each piece is readily available for doctors’ visits, taxes or other financial opportunities. But does your family understand where to find these vital documents in a time of need? Utilize this checklist to create an inventory of all of your personal, financial, and […]Continue reading
Millennials are victims of many stereotypes, but the one that portrays them positively suggests they’re a planning generation. They research and collaborate and plan for all life’s major decisions, and their long-term care (LTC) isn’t any different. In part, millennials have learned about personal finances by observing the mistakes and shortcomings of older generations and […]Continue reading
Candidates run campaigns on promises and plans, but that doesn’t mean they ever come to fruition. The Biden administration will maintain a Democratic majority in both the House and the Senate for at least the next two years, giving him a greater opportunity to push through his agenda. However, in light of more pressing concerns, […]Continue reading
