Financial, Insurance, and Legal Strategies for Long-Term Care

"Everybody's thinking about it. They have it on their minds. But they don't want to talk about it."

Brian Kennedy is a financial advisor who runs clients through various life scenarios and asks "What if...?" If the scenario is your spouse having a car accident and needing extensive long-term care, he has provided a model of what that does to your finances and it's not pretty.

It's not even just the cost. There's a real emotional difference between having your Mom live in the same home with your child and having to drive thirty minutes to see Mom in a nursing home where three nurse's assistants are assigned to fifteen residents.

If you never think it through, your plan is to go broke in institutional care, and there's a legal solution for you. Running the scenarios and the strategies, however, you may be able to have all family members under one roof with financial reserves and insurance covering the costs.

Don't just have it on your mind that your health or your parent's health will decline. Develop a strategy. Build a shield.

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