Fee-only advisors for long-term care planning: self-fund vs insure vs hybrid.
70% of people 65+ will need some LTC. Average cost: $60-120K/year; 3-year stays are common; worst cases exceed 10 years and $1M+. Options have trade-offs: traditional LTC insurance has rising premiums and carrier insolvency risk; hybrid life+LTC products are expensive but more predictable; self-fund requires $1M+ liquid and disciplined reserve mana
Situations we handle
- Self-fund vs buy LTC insurance — where's the crossover?
- Hybrid life+LTC products — are they actually good or just commission magnets?
- Traditional LTC insurance premiums rising 30% — what do I do with my existing policy?
- My parent needs LTC but didn't plan — Medicaid options?
- LTC for my spouse vs me — do we each need our own plan?
- Partnership LTC policies — worth it for Medicaid asset protection?
Why a specialist. LTC is dominated by insurance salespeople earning 100%+ first-year commissions on products. A fee-only advisor models self-funding as a legitimate option (often the right answer for $2M+ households), evaluates products without commission bias, and coordinates LTC planning with estate, tax, and Medicare. Most families buy too much of the wrong product or too little too late.
Tools & guides
LTC Self-Fund vs Insure Calculator
Compare self-funding long-term care from portfolio vs buying insurance — at your asset level and care cost assumptions.
Long-Term Care Planning Complete Guide
Detailed framework — rules, tradeoffs, and common mistakes.
Get matched with a specialist
Fee-only advisor with no commission conflict. Free match.