Long Term Care




In our hearts, we will be forever young.  We are optimistic.  We don’t expect to age but rather to continue with vibrant health and an active lifestyle. Unfortunately, life often has other plans!  

We live in a permanent state of optimism and often don’t realize how devastating a long term care event can be to those we love.  Planning ahead for a time when we might need extended care is always something we’ll do later.  In fact, we spend more time planning a vacation than we do protecting our loved ones from the financial and emotional burden of caregiving.  Thinking ahead can be uncomfortable so people frequently postpone these important discussions.

We understand that this is not an easy conversation to have.  But the dollars to pay for care must come from somewhere.  Most often, savings and retirement contributions are the hardest hit, threatening s family’s ability to live comfortably.  Yet over half of those already receiving care didn’t think they would ever need it.

Some assume that planning for long term care automatically means buying long term care insurance. They rule themselves out with comments such as: “I can’t afford it” or “I can’t qualify”. But LTC Advisors doesn’t focus on the process of selling long term care insurance.  We look at the big picture of your health and wealth and discuss what you want your retirement to look like.  We work with your family and with your trusted advisors and never consider this risk in isolation from your overall retirement plan.

You are planning for an event that is more probable than almost any other risk in your life.  Your solution may or may not include insurance. Your plan may be as simple as an essential conversation with loved ones, but plan you must. Regardless of your financial status, it is imperative that you consider future needs for extended care.  

We will help you find the right solution for you and those you love and who depend on you because, remember, hope is not a plan!