Insurance & Long-Term Care Planning

20 years from now, long-term care expenses are expected to be between $8,000 and $18,000 - per month. Most of us have witnessed loved ones struggle with long-term care, and their caretakers are often busy children, balancing their busy lives with the responsibilities of caring, or seeking care, for one or both parents. As an independent firm, we can recommend long-term care insurance solutions from many different providers that are both affordable and impactful. Our goal is to estimate the future cost of care, consider available financial resources, identify caretakers or responsible parties, and recommend a plan to address each type of care that may be needed in the future. Contact us to ask your questions or to request a free consultation.

We create life insurance plans based on your needs. In some cases, as a younger family, you may need to ensure that your family will be able to achieve the same or similar goals if you pass away, from funding college, and paying off the mortgage, to providing expensive care for a special needs child. At some point in your life, you will weigh the impact of taxes on your retirement and the assets you intend to pass to your heirs. There is no better wealth transfer tool than life insurance because death benefits are tax-free. But did you know you could also save in some life insurance policies and withdraw savings tax-free? We have 23 years of experience in creating tax-free income plans using life insurance. As an independent firm, we can recommend life insurance solutions from many different providers that are both affordable and impactful. Our goal is to recommend a plan to address your phase in life, and to create purpose and meaning to your investment. Contact us to ask your questions or to request a free consultation.