Retirement, Long-Term Care & Estate Coordination

Robert and Diane, a retired couple in their late 60s, wanted to protect their savings from long-term care costs while leaving a clean legacy for their adult children. They had assets but no coordinated protection plan.

We modeled the potential impact of an extended care event and recommended a hybrid long-term care policy that provides care benefits while preserving a death benefit if care is never needed. This eased their concern about paying premiums for coverage they might not use.

Working alongside their attorney, we supported their estate planning by aligning beneficiary designations, reviewing existing policies, and identifying more tax-efficient ways to transfer wealth to the next generation.

Robert and Diane now feel confident that a health event won’t derail their retirement or their children’s inheritance, with a plan we help them keep current each year.