Protect your retirement — and your family — from the cost of care.
Traditional, hybrid, and annuity-based long-term care strategies for Central Florida families. Honest tradeoffs explained, no pressure.
Roughly 7 in 10 people over 65 will need some form of long-term care.
It's the single biggest unplanned risk to most retirement portfolios. Medicare doesn't cover extended custodial care, and Medicaid only kicks in after you've spent down most of your assets. A plan put in place now keeps you in control of how, where, and from whom you receive care.
Costs that can erase savings
Nursing home care in Florida can run $9,000–$11,000+ per month. A few years of care can wipe out decades of saving.
In-home care isn't free
Most people want to age at home — but professional in-home care still costs $25–$35+ an hour. It adds up fast.
Family burden
Without coverage, the care burden often falls on a spouse or adult child. LTC insurance protects them too, not just you.
There's more than one path — we help you pick the one that fits.
Traditional standalone LTC isn't the only option anymore. Hybrid policies and annuity-based strategies have changed the landscape, and the right choice depends on your health, your budget, and what else is in your plan.
Traditional LTC insurance
Dedicated long-term care policy. Premiums are use-it-or-lose-it, but coverage amounts can be substantial for the cost.
Hybrid life + LTC
A life insurance policy with a long-term care rider. If you never need care, your family still gets the death benefit — nothing wasted.
Annuity-based LTC
An annuity with LTC benefits — useful for clients who'd struggle to qualify for traditional underwriting but still want some protection.
LTC planning often pairs naturally with retirement income planning and life insurance. We'll show you how the pieces fit together.
Frequently asked questions
Get ahead of the biggest unplanned retirement risk.
A free, no-pressure long-term care conversation with a hometown advisor.