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Long Term Care Strategies

Preparing Your Retirement for Unexpected Costs

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A Plan for Care When You Need It Most

A nursing home stay or extended care can quickly deplete savings, impacting financial stability for individuals and families. With costs exceeding $10,000 per month, planning ahead is essential.

Long-term care strategies include asset-based policies that combine life insurance or annuities with care benefits, hybrid life insurance policies offering tax-free access to the death benefit, and self-funding strategies to maintain liquidity. Structured withdrawal approaches help manage retirement account distributions, while Medicaid planning explores eligibility and asset protection.

By integrating these strategies, retirees can address long-term care needs while preserving assets, maintaining financial flexibility, and reducing the burden on loved ones.

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Our Approach to Long-Term Care Planning

At Envision Retirement Solutions, we simplify the process of planning for long-term care by:

Evaluating Your Current Resources

Understanding how your assets, insurance, and retirement income align with potential care needs.

Exploring Coverage Options

From Asset-Based Long-Term Care Insurance to Hybrid Policies, we help identify the solutions tailored to your personal situation.

Incorporating Long-Term Care into Your Retirement Plan

Ensuring your financial strategy accounts for care costs while preserving your goals.

Making the Transition to Retired Life

Making the Transition to Retired Life

After all your years of hard work and disciplined saving, you’ve made it to retirement – congratulations! Now, the challenge becomes tackling common retirement transition concerns so that you can live out the ideal retirement you’ve dreamed of.

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Why Long-Term Care Planning Is Important

We believe no retirement solution is complete without planning for long-term care. We can help you navigate the complex world of long-term care planning so you can retire with confidence knowing your retirement plan won’t falter.

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Having a strategy in place helps address these goals:

Protecting Your Savings

Preserving your savings and retirement income for both your needs and those of your spouse.

Minimizing Financial Strain

Reducing the impact of long-term care costs so they don’t disrupt your overall financial plan.

Access to Quality Care

Helping you obtain the care you need with less risk of running out of money.

Let’s plan for the future you envision.

Don’t let unexpected care costs derail your retirement. Contact Envision Retirement Solutions today to create a personalized long-term care strategy that aligns with your financial goals.

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Common Questions About

Long Term Care Strategies

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Long-term care planning is essential because the high costs of care—averaging $7,500 per month—can quickly deplete your retirement savings. Without a plan, you may face financial strain or be forced to make difficult decisions about your care. Planning ahead ensures your retirement goals are protected while addressing potential future needs.
Funding options for long-term care include traditional long-term care insurance, hybrid policies that combine life insurance or annuity benefits with care coverage, and self-funding for those with sufficient savings. At Envision Retirement Solutions, we evaluate your financial situation and goals to recommend the best strategy for your unique needs.
Yes, self-funding is an option for individuals with adequate resources, but it requires careful planning to avoid depleting your savings. At Envision Retirement Solutions, we help clients explore all options, including self-funding, to create a comprehensive strategy that aligns with their financial objectives and future care needs.
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Let’s Talk About Your Retirement Goals

We’re here to help you move forward with confidence. Whether you have specific questions or just want to explore your options, our team is ready to guide you every step of the way.

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Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Envision Retirement Solutions, and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Envision Retirement Solutions are separate and independent entities. This is for informational purposes only and is not intended as legal, tax or investment advice or a recommendation of any particular security, investment product or investment strategy.

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