For decades, I've watched clients meticulously build their wealth—diligently planning, saving, and investing. Yet, I've seen even the most carefully constructed estates face a critical single point of failure: the high cost of long-term care (LTC) needs.
Here’s the striking paradox: all that meticulous financial planning becomes insufficient if it fails to account for what is frequently the most significant potential financial drain in retirement. Confronting the Long-Term Care risk is now arguably a fiduciary-level essential for safeguarding the client's intended legacy transfer.
