• Retaining a Positive Attitude

    June 23, 2022

    This country is in a dour mood in my opinion.  We’ve become a nation of complainers.  This is especially true when we talk about politics.  Starting fights over alleged issues seems to work better for politicians than asking voters…

  • How to think through the risk of big expenses for long-term care

    April 14, 2022

    “No retirement income plan is complete without a plan for potential long-term care expenses” published by MarketWatch 10-27-2021 By Wade D. Pfau No retirement income plan is complete without a proper consideration of how to plan most effectively for…

  • 10 Advantages of Hybrid Life Insurance with Long-Term Care

    January 26, 2022

    You probably know about hybrid cars. But do you know about about hybrid life insurance? This coverage combines long-term care and life insurance into one policy. Like hybrid cars, these hybrid policies are increasingly popular. That’s because they have some unique benefits. How…


    December 9, 2021

    There’s a great deal of publicity now about large rate increases on long-term care insurance policies.  Rates are now far higher than they were before the year 2000.  Why has this happened? The long-term care insurance industry is less…

  • California Long Term Care Insurance Task Force

    November 19, 2021

    The California Long Term Care Insurance Task Force has been established with the support of Governor Newsom to implement a publicly funded long term care program.  This task force has a committee of fifteen members, consisting mostly of California…

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    November 12, 2021
  • October 28, 2021
  • This Expense Could Deplete Your Retirement Nest Egg. Are You Prepared?

    July 27, 2021

    Hint: It’s an expense that many face but don’t properly plan for. It’s no secret that retirement can be an expensive period of life. With housing, healthcare, and keeping busy, you might find that you spend more money during your…


    May 24, 2021

    The newly enacted Washington State Long Term Care Trust Act is a mandatory program which imposes a .58% payroll tax for all adult W-2 employees in Washington State beginning on January 1, 2022.  It will pay for long-term care…

  • Life Events That Trigger the Long Term Care Planning Decision

    April 26, 2021

    We wanted to know why people purchased long-term care insurance when they did. What was going on in their lives at the time? Was there an event that triggered a buying decision? We discovered two important reasons people bought…

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