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Preparing For Tomorrow podcast

May 29, 2024

This week, Diane shares how the PensionProtection Act passed in 2010 makes it possible to 1035 exchange non-qualified annuities into various LTC plans that generate tax-free income for extended care needs.

Not all annuities are tax-free for LTC.  LIsten and learn how different rules apply to different annuity forms.


May 22, 2024

We think we can beat the insurance company by waiting as long as we can to purchase LTC insurance.  

In truth we're just beating ourselves up.

Every year that we wait is one more year of no increase in benefits.  By waiting just 5 years, we could eliminate over $100,000 in future benefits.  

I'm sharing two stories...

May 15, 2024

This week, I'm sharing updates on the four clients with LTC claims that we shared on February 22nd.

I have been walking with these families as they prepare for and begin extensive caregiving needs for their moms and wives.

I can't imagine how hard it would be to navigate the claims process without guidance from an LTC...

May 8, 2024

This week, I enjoyed a great interview with Dr. Jay Zigmont with Childfree Wealth.

Their website is

I learned that 25% of U.S. adults don't have kids.  That's a huge part of our population that is underserved in the retirement planning community.  Many planners consider that with our without...

May 1, 2024

We need to start planning now, 30 years before we think we'll need help living.

It'a hard to believe that care could ever cost that much, but in 2001, when I started working in the LTC industry, nursing homes were $1000/month.  People I spoke with thought that was so unfair.

Use Genworth's Cost of Care report to view...