Preparing For Tomorrow podcast

The Milliman Report shares valuable data and statistics on traditional LTC plans. Here's a link to the report 2025 Milliman LTC Report This week, we continue to explore misguided reasons people don't use LTC insurance as a tool to help their families afford to provide needed care during an extended care event As promised, here are some links to past episodes when we shared the many costs of waiting to plan for this potentially catastrophic need. There are many more you can find by searching, and then schedule time to start planning today here I should have done this when I first thought of it My clients need me 25 years before they think they need me Start young and get it done! We think wer're saving on premiums, but.... What are consequences of waiting to buy? Their advisor told them to wait

The 2025 Milliman Report shares valuable data on traditional LTC insurance companies and policies. Here is a link to the report 2025 LTC Report People always find reasons not to own LTC insurance and protect their families from this potentially catastrophic risk. Over the next two episodes, I'll share some of the reasons I've heard over the years and share why these reasons are unfounded. They're usually just excuses to not pay for a tool that can save your family from the physical, emotional and financial burdens we said we never wanted to place on them. Please listen and share this with someone you care about who is avoiding this conversation for any of these reasons (excuses) The first thing we need is knowledge. We need to understand this risk and then decide what tools we can use to protect against it. Let's schedule time to help you educate yourself so you're making decisions wisely. Schedule here

This is always a busy time of year for me. I know it happens every year, and I need to remember to adjust my schedule a bit after Labor Day. This is the time when all the people I've been working with decide that they need to get a plan in place by year end. And they're reaching out now to get moving. I'm thankful to be the specialist you choose to manage this part of your retirement plan, and will gladly help. So today, I'm reposting a case study of a gentleman I helped in 2023. The plan we designed for him is performing better than we had projected, and he's very happy. Take a listen and then schedule with me to start preparing for your tomorrow https://calendly.com/diane-p4t/30min

In this episode, Diane shares excerpts from a recent LTC Bullet published by The Center for Long Term Care Reform https://centerltc.com/ There is a ton of great research and information at the Center. their mission statement is below.... The Center for LTC Reform is a private institute dedicated to ensuring quality long-term care for all Americans by promoting public policy that targets scarce public resources to the neediest, while encouraging people who are young, healthy and affluent enough, to take responsibility for themselves. I encourage you to continue to learn more about what we're up against and what we can do to encourage lawmakers and other public decision makers to prioritize the future of aging in our country. Hopefully, we'll all be aging, right? Sometimes, it feels like I'm aging as I type... Once you've decided that you need to prepare for your tomorrow, schedule a "get to know you " meeting with me by phone or zoom https://calendly.com/diane-p4t/30min

Sometimes, when long term care insurance or hybrid life/LTC insurance is not available due to health concerns or budget, it's good to know that there are other options that may be available. This week, Diane shares some of those options. All may not be offered in every state, but it's worth it to ask if you can consider some of these planning strategies. If we don't offer some of these solutions, we have trusted colleagues who do. Schedule a brief meeting to learn more at https://calendly.com/diane-p4t/30min The July 12, 2025 episode comparing annuities with income doublers and annuities with LTC extensions here