Protect Your Retirement From the Cost of Care
Long-term care can place significant pressure on retirement income, savings and the financial security of a surviving spouse. Planning before care is needed can give you more choices and help protect the retirement you've worked to build.
A long-term care event doesn't just create a healthcare problem. It can become a retirement-income, tax, asset-protection and family problem.
Schedule an Introductory CallThe Risk Is Bigger Than Many Families Realize
Nearly 70% of people turning age 65 are expected to need some form of long-term care during their lifetime. And Medicare generally does not cover ongoing custodial long-term care such as assistance with bathing, dressing and other activities of daily living.
“The question isn't simply whether you can afford care. It's what paying for care could do to the rest of your retirement plan.”
2026 National Median Cost of Care
Approximately $80,080/year based on 44 hours of care per week.
Approximately $74,400/year.
Approximately $129,575/year.
Long-term care costs have historically risen faster than general inflation, often by several percent per year.
Long-Term Care Can Affect More Than Your Savings
A care event can affect:
Retirement Income
Money needed to maintain your lifestyle may suddenly need to pay for care.
Your Spouse
The financial risk isn't limited to the person receiving care. A surviving or healthy spouse may still need income for decades.
Taxes & Retirement Accounts
Large withdrawals from qualified retirement accounts may create additional tax consequences and affect the rest of the retirement strategy.
Your Legacy
Assets intended for a spouse, children or other beneficiaries may instead be used to fund care.
Your Children
Without a plan, adult children may become the default caregivers or financial backstop. That can create significant emotional, physical and financial stress for the entire family.
Planning Before the Need Arises
Long-term care planning should be considered as part of your overall retirement strategy — not as a separate decision.
We help you:
- Understand your potential long-term care exposure.
- Determine what resources are already available to pay for care.
- Evaluate strategies that may help transfer or reduce the financial risk.
- Coordinate long-term care planning with your retirement income, taxes, assets and legacy goals.
What Would Long-Term Care Do to Your Retirement Plan?
You've spent years building your retirement. A long-term care plan can help you prepare for the possibility of care without leaving your family to figure it out during a crisis.
Schedule an Introductory Call