The biggest retirement risk isn’t the market.
It’s the cost of care. Without a plan, assisted living, nursing care, or in-home support can quietly drain what took a lifetime to build. We plan for care costs as fiduciaries — inside your income, tax, and estate strategy — so your wealth serves your life, not the other way around.
The checkup is a real conversation with a Houston advisor — not a screening call, not a sales script. You’ll hear which part of your plan needs attention first, and if we’re not the right firm for you, we’ll tell you that on the call.
Nearly 70% of retirees will need some form of care.
Medicare doesn’t cover extended care, and Medicaid eligibility often requires depleting assets first. Without proactive planning, the cost lands on your savings — and then on your family.
The good news: with the right plan, you can protect what you’ve built, keep your independence and choice in care options, and make sure the burden never shifts to your spouse or children.
Care planning is not one-size-fits-all.
We evaluate your options as fiduciaries — insurance, hybrid policies, self-funding — and integrate the right strategy into your broader retirement plan. If you don’t need a policy, we’ll tell you that too.
The Family Wealth CircleTM
One circle. Four strategies. A plan your family can actually follow.
Long-term care planning lives primarily in the Estate quadrant — protecting what transfers to your family — and healthcare costs sit on the outer ring of forces you don’t control. That’s why we plan care alongside income, taxes, and the estate instead of treating it as an insurance errand.
Explore the Family Wealth Circle™ framework →Common questions about long-term care
If yours isn’t here, ask it on the 15-minute call — we’d rather answer it early than late.
Not in any meaningful way. Medicare covers short rehabilitative stays after a hospitalization — not the extended custodial care most retirees eventually need. Medicaid requires spending down your assets first. That gap is exactly what this planning addresses.
Not necessarily. Insurance is one way to fund care. Families with significant assets often self-fund through tax-efficient withdrawal strategies instead, and hybrid life + LTC policies fit others. We evaluate the options as fiduciaries and recommend the approach your plan actually calls for — including no policy at all.
It depends on the setting — in-home care, assisted living, and nursing care each run differently, and costs rise every year. The planning starts with a cost analysis that projects realistic numbers against your income and savings, so the answer is yours, not a national average.
Earlier than most people think — ideally in your fifties or early sixties, while every funding option is still on the table and insurance, if it fits, is still reasonably priced. Waiting until care is imminent removes most of the good choices.
Inside the Family Wealth Circle™, care planning sits mainly in the Estate quadrant and interacts with Income and Tax. We plan care costs alongside withdrawal order, insurance, and estate documents — never in isolation. Many families also ask about Medicare supplement planning in the same conversation.
Take control of your retirement. Make an Impact!
Fifteen minutes with a fiduciary advisor — including an honest look at how care costs would land on your plan, and what to do about it.