You’ve protected your portfolio—now protect the plan that depends on it. In this episode, Ryan and Zane break down long-term care planning so you know what’s covered, what it costs, and how to prepare without jeopardizing your savings or your spouse’s stability.
 
They explain:

What qualifies as long-term care and where it happens—home, assisted living, nursing, and continuing-care communities
How to size coverage: monthly benefit targets, benefit period, elimination period, and why inflation protection matters
Traditional LTC vs. hybrid life/LTC policies—pros, cons, and when each can make sense
The Medicaid Partnership rules many retirees overlook
Who should consider insuring vs. self-funding (the net-worth “sweet spot”) and the ideal age window to explore coverage

 
Walk away with a clear framework to decide if, how, and when to insure—so your retirement stays funded and your family is protected.
 
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