The conversation most advisors quietly avoid.
We model the cost of care, evaluate hybrid policies, and build the right reserves before they're needed — calmly, in writing, while the easy options are still on the table.
A plan for the part of life people don't plan for.
Cost-of-care modeling
We project realistic care costs by location and care setting, then stress-test the plan against them.
Hybrid policy review
Hybrid life/LTC products evaluated honestly — including when self-insurance is the better answer.
Reserve planning
A dedicated bucket sized to your plan, not a generic rule of thumb.
Disability & income protection
For working clients, the bigger near-term risk is usually disability, not death.
Umbrella & liability
Coverage scaled to your net worth and visibility, not a default policy.
Caregiver coordination
Naming agents, briefing family, and putting documents where they can actually be found.
Modeled, evaluated, documented.
Project care costs realistically.
We use your location and assumed care mix to build numbers you can actually plan against.
Self-insure vs. policy comparison.
Side-by-side comparison of self-insurance, traditional LTC, and hybrid policies.
Decisions, agents, reserves in writing.
Put the choices on paper so a future family meeting is short.
For families thinking about what's next — for them, or for a parent.
- Couples in their 50s and 60s with parents in or approaching care
- Single retirees without a built-in caregiver
- Families with a history of long-term illness or dementia
- Pre-retirees deciding whether to insure or self-fund care
- Adult children quietly coordinating an aging parent's plan