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!! NEW MANDATORY PAYROLL TAX for LONG-tERM cARE !!
Your State May be NEXT
If you have your OWN Long-Term Care Insurance Policy you may be able to OPT OUT. Tax is a percentage of YOUR INCOME. UP TO .58% in some states. Contact us TODAY!retirement risk planning
You & your family
No two families are identical! The planning process entails many discussions regarding your hopes, dreams and plans. We know that family dynamics are real and though not always written into a retirement plan, that dynamic will play a roll when it is time to start living out your plans and dreams.Asset positioning
Receive a thorough review of where you are today, making sure it is in line with where you want to be tomorrow. This uncovers anything that may hinder you from realizing your plans and dreams.RETIREMENT RISK
Addressing 'the elephant in the Room' a.k.a. the potential need for Long-Term Care and the costs associated with it is a must. Without this conversation, retirement planning is incomplete. How will you pay for long-term care? What assets would be readily available? What tax-friendly strategies can be put in place should you, a spouse/partner, or family member need such care.![]()
!! NEW MANDATORY PAYROLL TAX for LONG-tERM cARE !!
Your State May be NEXT
If you have your OWN Long-Term Care Insurance Policy you may be able to OPT OUT. Tax is a percentage of YOUR INCOME. UP TO .58% in some states. Contact us TODAY!retirement risk planning
You & your family
No two families are identical! The planning process entails many discussions regarding your hopes, dreams and plans. We know that family dynamics are real and though not always written into a retirement plan, that dynamic will play a roll when it is time to start living out your plans and dreams.Asset positioning
Receive a thorough review of where you are today, making sure it is in line with where you want to be tomorrow. This uncovers anything that may hinder you from realizing your plans and dreams.RETIREMENT RISK
Addressing 'the elephant in the Room' a.k.a. the potential need for Long-Term Care and the costs associated with it is a must. Without this conversation, retirement planning is incomplete. How will you pay for long-term care? What assets would be readily available? What tax-friendly strategies can be put in place should you, a spouse/partner, or family member need such care.
expertise in retirement risk planning and long-term care planning solutions
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spending money in retirement ..
There is so much available information regarding retirement asset accumulation and growth. But, how do we SPEND our retirement money wisely?
Addressing and planning for the large risks FIRST, creating enough guaranteed lifestyle income and making available a "comfortable amount of cash" allows you to see your money as something you CAN spend and enjoy. Putting a spending plan in place that is surrounded by risk protection and guarantees dispels uncertainty and allows you to enjoy that for which you worked so hard.
plan! plan! Plan! Plan!
Don't ignore the risks, let's talk about them. It is not the most fun topic of conversation, I agree. Together we talk about the knowns and the potential unknowns. Different solutions are presented and TOGETHER we will chart a course for success! At some point in our relationship, you will know that you did your due diligence and made the right decisions for YOU and your family with the guidance of an expert. As our relationship continues, we continue to work together, knowing that a PLAN was put in PLACE to handle the future unknowns that may unfold.
protect my family estate..
Now that YOU have done a great job saving, how do YOU protect your assets from large market fluctuations? What about the cost of Long-Term Care?
KNOWING all of your options and understanding how they work - empowers you to make the right choices! Don't listen to hearsay; we will help you do your 'homework' and see what best fits YOUR needs based on your risk tolerance, goals and dreams.
We do this together!
Why not start NOW!
Click on "Let's Talk" and send an email so that we can schedule a time to talk.
Work with an expert!
Passionate & professional! Long before the need for long-term care planning was widely promoted, we were preparing our clients for this risk. By gathering available social data and statistics, and working with that sector of the population, the need for long-term care planning was crystal clear. There was a lot of available information and professional guidance for asset accumulation. There was also plenty of Estate Planning seminars and worshops for those whose assets grew to a level that could be subject to a large tax at death. But not much information was readily available regarding planning for the cost of long-term care! The cost of long-term care could potentially, rapidly deplete the value of an estate. So much so that there may no longer be a need for an Estate Tax plan! So, almost 30 years ago the mission started - to educate all who would listen! Working together with clients, to address all retirement risks. Having the hard conversation regarding the risk of Long-Term Care costs. Going through a very thorough, personalized process and then putting a plan in place that best achieves the individual goals for peace of mind = SUCCESS!
Success for almost 30 years!
ANSWERING QUESTIONS LIKE....
- What is Long-Term Care?
- Doesn't Medicare pay for Long-Term Care?
- How much does Long-Term Care cost?
- What is Long-Term Care Insurance?
- How does Long-Term Care Insurance differ from Disability Insurance?
- What types of Long-Term Care Insurance products are available?
- How healthy do I have to be to get this protection?
- Can I self insure? If so what's the best way to do so?
- What type of care does Long-Term Care Insurance pay for?
- What is the RIGHT age to consider Long-Term Care Insurance?
"The need for long-term care is not a respector of age! Life events can cause a long-term care need earlier than expected."
Ellen L. WoodsCLTC CLU LTCP RICP
Ellen L. WoodsCLTC CLU LTCP RICP
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Most of our clients are age 40+. They are individuals and couples who have come to the realization that that long-lerm care costs could adversely impact their hard-earned retirement assets and are ready to do something to protect them.
Sometimes, life events bring to light the stark reality of the cost of long-term care. Maybe you've observed a family member, close relative or friend needing care and you watched as the family struggled scraping together the needed funds and maybe even having to sell the family home to pay for the needed care. Maybe you have had a health issue or injury that made you face the hard reality that maybe some day you may need long-term care! The question arises, how will you pay for it?
When considering risk transfer and risk sharing options, your Age & Health play a big part in the cost of some solutions. Younger age and better health yields lower costs for such protection.
The need for Long-Term Care is NOT only an old age issue. Every day life events and activities could cause injury that requires long-term care. IE: Car accident, sporting accident, spinal cord injury, degenerative diseases, etc. So putting off such planning is not wise. Addressing your options with someone who specializes in this area of planning should be a top priority!
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Objective guidance and expertise that is unmatched in the retirement risk planning space
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