Sep 4, 2026
Long-term care can be one of the biggest financial blind spots in retirement planning. Today, Nick and Eric discuss when long-term care insurance may make sense, when self-insuring could be reasonable, and why the decision needs to fit within the broader retirement plan. You’ll also hear the differences between traditional and hybrid policies and why timing can affect the options available. The most important step is not necessarily buying insurance, it’s making sure the risk has been addressed.
Here’s what we discuss in this episode:
📊 Care Risks: Long-term care can create significant financial exposure
👥 Who Needs It: Coverage may be most valuable for those with assets to protect
📑 Policy Types: Traditional and hybrid policies offer different trade-offs
🤝 Fiduciary Advice: Understand both the product and the incentives behind the recommendation
🏥 Medicare & Costs: Medicare should not be assumed to cover long-term care
Our website: https://johnsonbrunetti.com/
Phone: 800-208-7233
Contact our team: https://johnsonbrunetti.com/contact-us/
Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form
Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/
Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/
Check us out on YouTube: https://bit.ly/3CcAzai