What\'s Your Plan? Protecting Your Most Important Asset - Your Family
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A Powerpoint presentation that I typically use for consumers to show them the effects of what living a long life and needing long-term care may have on their family and retirement portfolio.
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2) Boomers will face the death of their parents and need to settle their estate and manage any inherited assets.
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Most baby boomers will face seven key events in their last stage of life that
will color their finances and investments. Prepare for these events by thinking
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will color their finances and investments. Prepare for these events by thinking
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What\'s Your Plan? Protecting Your Most Important Asset - Your Family
- 2. What’s Your Plan? Protecting your most important asset: Your family PRESENTED BY: Peter D. Marengo, CLTC (914) 825-1010
- 5. Living a long life could well be in your future. Planning for it is now a necessity.
- 7. That said, I’ve had clients tell me…
- 10. But have your thought about the consequences to those you love if you ever did need care over a period of years?
- 12. Who do you think is most impacted by needing care over a period of years?
- 16. Are you aware that your life savings is not going to pay for your care?
- 19. What’s the plan?
- 21. Paying for your plan… How paying for care can impact your retirement portfolio
- 23. And during working years, that portfolio is protected by…
- 25. What is protecting your retirement portfolio, which includes your wealth and home, from the risk of needing care?
- 27. Alan dies suddenly of a heart attack
- 28. What has been allocated from the retirement portfolio and/or equity in the house to pay for the continuing obligations that his wife will face?
- 30. He loved his family.
- 32. Camille is diagnosed with Alzheimer’s.
- 33. What has been allocated from the retirement portfolio and their income to pay for her care over the next 8 to 10 years?
- 34. All of it. Where else can it come from?
- 35. Alan is now faced with how to pay for his wife’s custodial care. He looks into…
- 39. Her husband and children suffer from it.
- 41. Finding the right solution Looking at long-term care insurance as an essential tool which protects your family and retirement portfolio.
- 42. Many people believe it protects them if they need care over a period of years…
- 43. It doesn’t
- 45. Many also believe it protects assets.
- 46. It doesn’t do that either.
- 48. “ I’ve been told I have enough assets to pay for the cost of long-term care”
- 49. From this point, I would like you to think about income paying for care, not assets paying for care…
- 52. Where is the income going to come from to pay for care?
- 54. “ Maybe, but I’ve been told that if I need care I won’t have much of a lifestyle, so the money saved can be used to pay for care.”
- 55. It stopped being your lifestyle, the day you got married and had children.