Long-Term Care Planning
One of the most significant — and often overlooked — risks in retirement is the cost of long-term care. At Stable Wealth, we help you evaluate your options, understand the tradeoffs, and build a strategy designed to protect both your assets and your family’s peace of mind.
Planning for the Unexpected
According to the Department of Health and Human Services, roughly 70% of people turning 65 today will need some form of long-term care during their lifetime. The costs can be substantial — and without a plan, they can quickly erode the wealth you’ve spent decades building.
Long-term care planning isn’t just about insurance. It’s about understanding your options, evaluating the financial impact, and making informed decisions while you still have the most flexibility.
What We Help You Evaluate
Self-Funding Analysis
For some families, self-funding long-term care from existing assets may be the most appropriate approach. We help you model the financial impact and determine whether your portfolio can absorb the risk without jeopardizing your other goals.
Long-Term Care Insurance
Traditional and hybrid long-term care insurance policies can help transfer risk — but they’re not right for everyone. We help you evaluate coverage options, costs, benefit periods, and elimination periods in the context of your overall plan.
Hybrid Life/LTC Policies
Hybrid policies that combine life insurance with long-term care benefits have become increasingly popular. We help you understand the tradeoffs — including costs, benefits, and how they fit into your broader financial strategy.
Asset Protection Strategies
Depending on your state and situation, certain trusts and asset protection strategies may help shield wealth from long-term care costs. We coordinate with your estate attorney to evaluate your options.
Family Impact Planning
Long-term care doesn’t just affect the individual — it affects the entire family. We help you think through the caregiving implications, financial responsibilities, and communication needed to prepare your family.
Medicaid & Benefits Coordination
For those who may eventually rely on Medicaid or VA benefits, advance planning can help preserve more of your assets. We help you understand eligibility requirements and plan accordingly.
Why Stable Wealth for Long-Term Care Planning
Long-term care planning is deeply personal — and there’s no one-size-fits-all answer. The right approach depends on your health, your assets, your family situation, and your comfort with risk.
At Stable Wealth, we integrate long-term care planning into your broader financial strategy — so the decisions you make today are coordinated with your retirement income, investment portfolio, tax plan, and estate strategy.
- Integrated approach — LTC planning connected to your full financial picture
- Objective analysis — We evaluate all options, not just insurance
- Family-centered — Planning that considers everyone affected
- Proactive timing — Best addressed before health changes limit your options
Years of Combined Experience
Multi-Generational Families Served
Assets Under Management¹
%
CFP®-Led Financial Planning
Schedule Your Conversation
This is a brief, 15-minute introductory conversation to learn about your situation and determine whether Stable Wealth may be a good fit. No preparation is required, and there is no obligation or sales pressure.