Long-Term Care Planning Help You Prepare for the Unexpected

Protect Your Assets—and Your Options—Later in Life

Most people don’t plan to need long-term care—but millions end up requiring it. Without a plan, the costs can quickly eat into retirement savings or force loved ones into difficult decisions. When you work with us, we help you to plan ahead with strategies that account for potential care needs while preserving income, assets, and independence. Whether you’re planning for yourself or a loved one, we’ll help you prepare thoughtfully—not reactively.

A smiling adult son embraces his elderly father, who leans on a cane and looks out a window, in a living room.

What We Do 

Care Planning That Supports Both Your Health and Wealth

Hand holding a money bag and a dollar coin, representing finances or investments.
Long-term care planning is about more than just insurance—it’s about ensuring you have choices. We walk you through how long-term care fits into your overall financial picture, then help you explore funding options and coverage types that protect what you’ve worked hard to build.

Traditional Long-Term Care Insurance

These policies reimburse you for qualified care expenses at home or in a facility. We help you compare carriers, understand benefit periods, and select inflation protection that fits your age and risk profile.

Hybrid Life + Long-Term Care Policies

Combine life insurance with long-term care benefits—so your premiums never go to waste. These policies pay for care if you need it, or a death benefit if you don’t.

Asset-Based Long-Term Care Planning

Use existing savings or investment assets to fund care through specially designed insurance contracts or annuities. This approach preserves liquidity and helps reduce tax exposure.

Medicaid Protection Strategies

For families concerned about eligibility or asset protection, we explore options to preserve wealth while meeting care needs—without jeopardizing future financial goals.

Family Planning & Caregiver Coordination

We work with families to prepare not just financially, but logistically—addressing who might help, what resources they’ll need, and how your plan can reduce emotional and financial stress.

Questions About Long-Term Care Planning

  • What does long-term care typically cost?

    In California, long-term care can range from $4,000 to $10,000+ per month for nursing home care, while in-home care can reach up to $25-$30K a month. Planning ahead can help cover these costs without draining savings or retirement accounts.

  • Does Medicare cover long-term care?

    No—Medicare covers short-term rehab or skilled nursing under certain conditions, but not custodial care like bathing, dressing, or ongoing assistance. That’s where long-term care planning becomes essential.

  • What age should I start planning for long-term care?

    Ideally in your 50s or early 60s, when premiums are lower and health qualifications are easier to meet. But it's never too late to explore options, even if you're already in retirement.

  • Can I use my life insurance to pay for long-term care?

    Yes—certain life insurance policies include living benefits or riders that let you access part of the death benefit to pay for care. Hybrid plans are designed specifically for this purpose.

  • Do I need long-term care insurance if I have assets saved?

    If you’ve built wealth you want to protect—or don’t want to rely on your children for care—long-term care insurance can preserve your independence and prevent your savings from being wiped out by unexpected costs.