Podcasts about long term care

Nebraska Medicaid Director Drew Gonshorowski says the state's data capabilities put it in a strong position to quickly implement the historic changes. Advocates and researchers warn that eligible people may still fall through the cracks.Guest(s):Drew Gonshorowski, Director of Medicaid and Long Term Care, Nebraska Department of Health and Human ServicesBenjamin Sommers, Huntley Quelch Professor of Health Care Economics, Harvard T.H. Chan School of Public Health Amy Behnke, CEO, Health Center Association of NebraskaLearn more: Read the full reporting and explore additional resources on our website.This episode was produced by Julie Wernau, edited by Dan Gorenstein and Ryan Levi, and mixed by Andrew Parrella.The Tradeoffs theme song was composed by Ty Citerman. Additional music this episode from Blue Dot Sessions and Epidemic Sound.Special thanks to Adrianna McIntyre, Rebecca Myerson, Kinda Serafi and Andrea Skolkin.Tradeoffs reporting for this story was supported, in part, by Arnold Ventures.Want more Tradeoffs? Join more than 5,500 readers who trust Tradeoffs for clear, deeply reported health policy insights. Sign up for our free weekly newsletter.Tradeoffs helps you cut through the noise with clear, deeply reported journalism on the forces driving health care's toughest choices — reporting you won't find anywhere else. If our work helps you stay informed, support it with a donation today. Hosted on Acast. See acast.com/privacy for more information.

What should you do when a large sum of money suddenly comes your way? In this episode of Without the Bank, Mary Jo Irmen explains pratical financial strategies and how to think through a lump sum from an inheritance, business sale, real estate transaction, oil or mineral income, death benefit, or other unexpected source of money. Mary Jo compares different ways to structure and manage a lump sum, including IRAs, annuities, CDs, brokerage accounts, and properly designed life insurance. She discusses liquidity, taxes, market risk, required distributions, long-term care, future cash flow, and how your decisions may affect the money you leave to your heirs. The central question is not simply, "Where should I put the money?" It is: "What is this money supposed to accomplish, and how can I structure it around my life, cash flow, and legacy goals?" Mary Jo also shares examples involving oil income, inherited wealth, and a potential $17 million death benefit to illustrate why large sums require careful planning rather than an impulse purchase or a rushed investment decision. Chapters 00:00 Don't Blow the Windfall 00:26 Welcome and Big Money Questions 00:52 What Counts as a Lump Sum 01:27 Small Windfalls and Premium Reality 03:17 Single Premium and Tax Tradeoffs 03:51 Oil Money and Irregular Income 05:29 Where to Park Extra Cash 11:05 Spending Traps and Lottery Lessons 12:47 Skepticism on High Return Promises 17:21 Why Life Insurance Wins Long Term 18:55 Long Term Care and Legacy Goals 21:18 Key Takeaways and Next Steps

Long‑term care residents and their families are often caught off guard when a facility suggests a loved one “needs a guardian.” Guardianship is a court‑ordered process that changes a person's ability to control their own daily life. In this episode, we are joined in by Elder Law Attorney, Alison Hirschel, to explore why guardianship should never be treated as routine, what it truly means when a guardian is appointed, and how the process can impact every part of a resident's daily life. We discuss who can serve as a guardian, why less restrictive options matter, and how misused guardianship can become a tool for control and can silence a resident who is trying to assert their rights. We also share practical alternatives that help preserve residents' rights and offer guidance on what to do if a facility is pressuring your family to pursue guardianship. Whether you are a resident, a family member, or an advocate, this conversation will give you the knowledge to ask questions, explore alternatives, and protect autonomy to the greatest extent possible. Guest: Alison Hirschel, Program Director and Managing Attorney of the Michigan Elder Justice Initiative

In this episode of Elevate Eldercare, AgingIN CEO Susan Ryan welcomes David Skoczulek, vice president of business development and communications at iCare Health Network, for a conversation about providing compassionate care to some of the most underserved populations in long-term care.  Drawing on his background as a paramedic, David shares how empathy, communication, and human connection have shaped his approach to serving older adults with complex medical, behavioral health, and social needs. David discusses iCare's innovative care model, including its nationally recognized MissionCare Health, which provides long-term care for justice-involved and difficult-to-place individuals. The conversation explores the importance of person-centered care, leadership, workforce development, and reducing the stigma surrounding these populations.  This is a powerful conversation about dignity, second chances, and courage to lean in and think differently. More about iCare and MissionCare here: www.icarehn.com  More about AgingIN's upcoming purpose-driven conference here: https://aginginnovationconference.org/

In this episode of Widow, Wisdom and Wealth™, Donna welcomes Raymond Lavine, host of Planning with Purpose and two-time EXPY award winner, for a candid conversation about long-term care planning. Rather than getting lost in policy jargon, the discussion focuses on why these conversations matter now—especially for widows, widowers, and families navigating major life transitions. Together, they explore caregiving, vulnerability, legacy, and the importance of having a plan that protects both your loved ones and your future. What You'll Learn in This Episode: Why long-term care planning is really about love, responsibility, and protection The difference between caregiving for children and caregiving for adults Why people often avoid planning for care until it becomes urgent How long-term care planning can reduce anxiety and improve decision-making Why family conversations about care, legacy, and end-of-life wishes matter How planning ahead can support both the person needing care and their family The role of estate planning in shaping care, memorial, and transition decisions Key Takeaways: Long-term care is not just a financial issue—it's an emotional and family issue. A plan gives you more control, more dignity, and more options. Avoiding the conversation can create stress for family members later. Caregivers should be treated with respect and appreciation. Planning for care, legacy, and memorial wishes can bring peace of mind. Even difficult conversations become easier when they're handled early. Memorable Moments: Donna shares her own experience of becoming a widow at 40 and thinking about who would care for her if she got hurt or became ill. Raymond explains how caregiving changes when the person needing care is an adult. The conversation turns personal as they discuss planning funerals, legacy, and how people want to be remembered. Raymond shares a story about a client whose long-term care plan helped his family through a difficult transition. About the Guest and Contact Info Raymond Levine is the host of Planning with Purpose and a two-time EXPY award winner. He helps people think through long-term care planning in a way that supports real-life transitions, caregiving needs, and family peace of mind. Co-Author of the Amazon Best-Selling Book, Empathy and Understanding in Business Podcast Host of Planning with Purpose 2 Time EXPY® Award Recipient https://fountainofvitality.com/video/long-term-care-plan-considerations-and-challenges-ep-35-fountain-of-vitality https://www.youtube.com/watch?v=S98UnoiyTrQ    

In this episode of the Retire While You Work® Podcast, we're answering your questions about financial planning, retirement planning, and preparing for the future. We cover some of the biggest financial topics people are thinking about right now—from whether you can have too much saved in your retirement accounts to whether long-term care insurance is still worth considering.We also discuss what happens when one spouse handles all the finances, how to balance enjoying your money today while planning for tomorrow, and whether it ever makes sense to pause 401(k) contributions to prioritize other financial goals. As always, the goal is to provide practical insights and the key factors to consider when making these important financial decisions.Have a financial question you'd like us to answer in a future episode? Leave it in the comments below—we'd love to feature it in an upcoming Ask AWP episode!

As promised, here is the link to view my dog's awesome workout routine on Facebook Frank's facebook reels He's doing a little better each day and will hopefully be back to normal in a few more days. On long term care, we all have a plan. Some of us know what our plan is, and some are leaving the decisions up to others, maybe family, maybe the state Medicaid system. In either case, if our memory is fading, or if our decision making skills diminish, we can't be involved in those decisions, and the people around us are stuck tryuing to figure out what we would have wanted. If we have these conversations 10-20-30 years before a need shows up that forces us to need help to get through each day, then our people will know what we would want. Whether you choose to own LTC insurance in some form or not, you still need to have a plan, and those you love most need to know what that plan is. Email me at diane@preparing4tomorrow.com and I'll reply sending you tools and resources you can use to build your plan. Then, once you know where you would like to live and who you would like to have helping you, schedule time with me to figure out how you can afford to implement your plan here

The best decisions are usually made before a crisis arrives. Long-term care planning is a good example. Families that understand their options early have more flexibility than those forced to decide in the middle of a health emergency. Here with some perspective and advice on preparing before the pressure arrives, is certified financial planner Thiago Glieger of RMG Advisors.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

An estimated 56% of people turning 65 will need long-term care in their lifetime, according to the AARP. On average, much of the care is done by unpaid caregivers and friends helping with day-to-day activities. But a program in Washington is designed to help provide seniors to get the care they need.   WA Cares Fund is the first state-run program for long-term care insurance. It is funded by a mandatory surcharge on payroll taxes in Washington state. After contributing for 10 years, Washington residents qualify for benefits, which could be used for various services including: home care, transportation, adult day programs, home modifications and compensation for family caretakers.   Paula Span writes the New Old Age column for the New York Times and KFF News and wrote about this program, which started offering benefits this month. She joins us to share more on why this program is needed and the impact it could have.  

A side hustle can add purpose in retirement, but some risks deserve a closer look. Art McPherson discusses part-time work, consulting, long-term care planning, backdoor Roth conversions, tax strategy, annuities, and the risks of funding a small business or friend’s venture with retirement money. Art explains why planning ahead can reduce financial stress, how Roth strategies require careful tax coordination, and why guaranteed-style income tools may fit some retirement plans. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

On this week's Ask Farnoosh Friday, we're tackling five thoughtful listener questions that touch on everything from career transitions and combining finances as a couple to insurance, retirement accounts, and planning for the future.Before we dive into the mailbag, I also share a few headlines that caught my attention this week—including a fascinating new trend in prenups designed to protect stay-at-home parents, California's latest move to make personal finance a graduation requirement, and a New York Times article about the money frustrations that seem uniquely American (plus a few of my own!). And yes...So Money is officially on YouTube.In this episode:Why you shouldn't feel guilty quietly job hunting before you have an offerThe best way to leave an employer professionally while protecting your own careerHow couples can combine finances without sacrificing independenceWhy "fair" doesn't always mean splitting expenses 50/50My favorite three-account system for couplesThe insurance policies every young professional should prioritize—and which ones can probably waitWhy your ability to earn an income may be your greatest financial assetWhen to start thinking seriously about long-term care insuranceHow to prepare for future caregiving conversations with your parentsWhat to do with an old, empty 401(k) account after your employer changes retirement providersWhy cybersecurity deserves a place in every annual financial checkupAlso in the news:A new prenup trend: More couples are adding "leave the workforce" clauses to protect spouses who pause their careers to raise children or provide care, recognizing the real financial cost of unpaid caregiving.Money annoyances in America: Inspired by a New York Times article from Ron Lieber and Tara Siegel Bernard, I share my own biggest financial pet peeves—from managing kids' allowance to credit card surcharges and New Jersey property taxes.Financial literacy gains momentum: California becomes the 26th state to require a standalone personal finance course for high school graduation, signaling a major shift in how we prepare young people for adulthood.Resources & MentionsSo Money is now on YouTubeColumbia Journalism Review's feature on The Montclair PodWall Street Journal reporting on caregiving clauses in prenupsNew York Times article: "6 Things That Drive Us Crazy About Money in America" by Ron Lieber and Tara Siegel BernardHave a question for the show?Send your question for a future Ask Farnoosh Friday! If it's on your mind, chances are thousands of other listeners are wondering the same thing. You can email me, leave a voicemail, or connect with me on Instagram.If you enjoyed this episode, please subscribe, leave a review, and share it with a friend. It helps more people discover the show—and build richer, more confident financial lives.Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

Kelley discusses common retirement mistakes, the importance of personalized planning, and strategies to optimize your financial future. Learn how to avoid costly errors and create a tailored retirement plan that works for you. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

Raymond Lavine is an extended care benefits advisor. He advises and designs long-term care benefits for families and LTC benefits for companies. Raised in the Hollywood Hills, Raymond grew up in a household shaped by global history. The son of immigrants who fled persecution and sought opportunity in the United States, he was introduced to perspectives beyond his immediate surroundings at an early age. Family travel across North America and Europe broadened his worldview, reinforcing the idea that lives, values, and challenges vary widely, an understanding that would later influence both his personal philosophy and professional approach.Following high school, Raymond made a choice that surprised many: enlisting in the U.S. Army. Upon entering airborne infantry service, he encountered environments and individuals far removed from his upbringing. Military life demanded cooperation, adaptability, and accountability, while service in Vietnam exposed him to loss, sacrifice, and the realities of vulnerability. These experiences left a lasting imprint, sharpening his empathy and deepening his appreciation for the burdens others carry.After completing his service, Raymond returned to education with renewed focus. Beginning at community college before transferring to the University of Southern California, he excelled academically, majoring in international relations with a minor in business. While he valued the rigor of his studies, he later reflected on the lack of formal negotiation training, a skill he came to see as essential in business and in navigating everyday human interactions.Lavine's professional path spanned commercial banking, mortgage services, and life insurance, culminating in his specialization in long-term care planning. A personal turning point emerged when caregiving challenges within his family revealed the financial and emotional strain that arises without preparation. Motivated by firsthand observation, he shifted his focus to helping individuals secure extended care solutions before a crisis strikes, preserving dignity, independence, and family stability.Today, Raymond's work centers on guiding people through conversations they often prefer to avoid, emphasizing understanding over assumptions. He advocates planning that protects not only assets but also careers and relationships, particularly as caregiving responsibilities increasingly affect working families. My approach is the belief that listening alone is not enough; it is about understanding.Dr. Kimberley LinertSpeaker, Author, Broadcaster, Mentor, Trainer, Behavioral OptometristEvent Planners- I am available to speak at your event. Here is my media kit: https://brucemerrinscelebrityspeakers.com/portfolio/dr-kimberley-linert/To book Dr. Linert on your podcast, television show, conference, corporate training or as an expert guest please email her at incrediblelifepodcast@gmail.com or Contact Bruce Merrin at Bruce Merrin's Celebrity Speakers at merrinpr@gmail.com702.256.9199Host of the Podcast Series: Incredible Life Creator PodcastAvailable on...Apple: https://podcasts.apple.com/us/podcast/incredible-life-creator-with-dr-kimberley-linert/id1472641267Spotify: https://open.spotify.com/show/6DZE3EoHfhgcmSkxY1CvKf?si=ebe71549e7474663 and on 9 other podcast platformsAuthor of Book: "Visualizing Happiness in Every Area of Your Life"Get on Amazon: https://amzn.to/4cmTOMwWebsite: https://linktr.ee/DrKimberleyLinertThe Great Discovery eLearning platform: https://thegreatdiscovery.com/kimberleyl

Medicare and Medicaid often get misunderstood when it comes to long-term care—especially assisted living. In this conversation, U.S. Government Accountability Office Director Michelle Rosenberg explains why many people assume their “regular health insurance” will cover long-term services and support, and why that's usually not the case. Michelle breaks down what Medicare covers (and what it doesn't), what Medicaid covers as a required benefit, and how assisted living coverage depends on the state—because Medicaid assistance with activities of daily living (like bathing, eating, and dressing) is optional at the state level. She also explains how GAO's work is driven by Congress, how Congress uses the findings, and what future research is focused on—particularly oversight of health and welfare in assisted living when Medicaid is funding care.

What happens when the rules everyone follows weren't actually rules to begin with? In this episode, Scott Middleton — Owner of Your Health and Chief Disruption Officer — shares what he's seeing on the ground as the TCPA and Providence Care merger moves toward its final close. But the real conversation goes deeper: the quiet, dangerous habit of staff making up policies, enforcing phantom restrictions, and defaulting to "no" when the answer should have been "let's figure it out." Key topics covered: Why fabricated rules (like requiring a psych NP referral for talk therapy) become embedded in organizations — and how to stop it How Scott is approaching the merger with radical transparency, and why "don't tell until it's done" has no place in his culture The one thing that will get you fired fast: "don't tell Scott" What TCPA's nursing home model is teaching Your Health about patient frequency, hospitalizations, and what actually works Why the chaplain conversation changed Scott's entire philosophy — and how advanced care planning pays for it The system doesn't need more rules. It needs more people willing to ask. Listen now and ask yourself: what rule in your organization did somebody just make up? www.YourHealth.Org

Long-term Care can easily eclipse five figures per month. That becomes an issue pretty quickly from a cash-flow perspective. There are ways to protect the ranch and other assets from the threat of long-term care expenses. Mary Jo Irmen and Michelle Prather are writing a new book that will walk ranchers through the process of protecting their assets. Sponsor:Remedi Animal SolutionsRelevant Links:Care Income PlanningFarming without the BankMichelle's Book

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A rushed discharge. A chart that does not match reality. A loved one with Alzheimer's or Parkinson's dementia who cannot explain what hurts. If you have ever felt bullied by a system that moves too fast, this conversation is for you.Susie and Don talk with Laura Finnelly, a registered nurse with 25+ years in healthcare, a certified senior care manager, an Air Force veteran, and the founder of Guided Care RN Advocates. Laura lays out what families need to know about patient advocacy, navigating hospital stays, preventing medical errors, and protecting dignity in dementia care. She also shares why she calls herself a “neighborhood healthcare cop” and why that mindset helps caregivers ask better questions, document the right details, and stop feeling “crazy” when something is off. All things that motivated her to write RN on Duty, a practical guide gives families the tools, structure, and confidence they need to navigate today's healthcare system more effectively.Rather than focusing on medical advice, RN on Duty teaches you how to navigate the system itself—from preparing for appointments and organizing medical information, to understanding hospital processes, discharge planning, and care transitions.Susie and Don connect those practical tools to the bigger fight for long-term care reform, including their first-ever synchronized National Walk for Long-Term Care Reform on September 27. They also get real about caregiver stress, nurse burnout, staffing shortages, and the harsh reality that people who cannot speak up are often the first to be overlooked unless someone is there to advocate.  Laura will be leading one of the walks in Illinois. So if you live in Illinois - you'll want to sign up to be a part of this historic event! One key takeaway you do not want to miss: how to challenge an unsafe discharge, including the Medicare Notice of Medicare Non-Coverage and how an appeal can pause the process long enough to get answers. We also cover Medicare-funded advocacy and navigation options and where to find qualified patient advocates,Connect with Laura: info@guidedcare1.comSubscribe, share this with a caregiver, and leave a review so more families can find these tools when they need them most.Send us Fan MailIf someone you love experienced neglect in a nursing home…Then you know how desperately the system needs to change.  History has shown us that It takes people power to change anything worthwhile. That's why we we're launching something that's never been done before. On September 27, communities across the country are coming together for the first-ever National Long-Term Care Reform Day.This is a peaceful national walk for dignity, accountability, and change in long-term care.We'rSupport the showNo Country For Old People; a Nursing Home Exposé is STREAMING NOW on Amazon Prime (https://www.amazon.com/gp/video/detail/B0F7D1RR5X/ref=atv_dp_share_cu_r) Visit the No Country For Old People Website for more information.Please watch. Review. Share.Be a ROAR-ior!! JOIN THE R.O.A.R. MOVEMENT (Respect, Oversight, Advocacy, Reform) for quality long term care! Visit the ROAR 4 LTC Website for more information and consider participating in the inaugural National National Long-Term Care Day, Sunday, September 27th The 1st ever ROAR 2026 National Walk for Long-Term Care Reform! Found out more here: https://www.roar4ltc.org/roar-2026-walkFollow us on Twitter, FB, IG, & TiK Tok

In this episode of Retire with Style, hosts Alex Murguia and Wade Pfau address various listener questions regarding retirement planning. They discuss the implications of long-term care and Medicaid, explore the ARVA framework for retirement income, and delve into variable spending strategies. The conversation also covers healthcare options for early retirees, methods to mitigate sequence of returns risk, and the evaluation of discount rates for Social Security. Throughout the episode, they emphasize the importance of personalized retirement strategies and the need for careful consideration of various financial tools and options. Listen now to learn more!    Takeaways The retirement income challenge is a great opportunity for planning. Self-paying for long-term care can provide better options later. The ARVA framework offers a structured approach to retirement income. Variable spending strategies can help manage retirement funds effectively. Healthcare options should be carefully considered for early retirees. Mitigating sequence of returns risk is crucial for long-term stability. Annuities can provide longevity credits that bonds cannot. Using TIPS as a discount rate for Social Security is generally advisable. Personalized retirement strategies are essential for success. Annual updates to spending strategies can simplify retirement planning. Chapters 00:00 Introduction and Announcements 03:10 Long-Term Care and Medicaid Options 06:09 Exploring the ARVA Framework for Retirement 08:52 Understanding Variable Spending Strategies 14:00 Healthcare Options for Early Retirees 17:58 Mitigating Sequence of Returns Risk 24:06 Evaluating Social Security Discount Rates   Links Ready to build a retirement strategy that's tailored to you? Join Wade Pfau and Alex Murguia for the FREE Retirement Income Challenge, July 13–16 from 12–2 PM ET. Over four live sessions, you'll discover your RISA® Profile, calculate your Funded Ratio, and use both to build a personalized retirement income strategy that aligns with your goals, preferences, and financial reality—so you can move forward with greater clarity and confidence. Register now: retirewithstyle.com/ric

What if the biggest retirement mistake isn’t choosing the wrong annuity—but not understanding what you already own? Steve Anzuoni breaks down why annuities create so much confusion, how retirees can avoid costly planning mistakes, and why guaranteed income plays a critical role in long-term retirement confidence. He shares a real-world example of aligning income and long-term care concerns, discusses planning for longevity, and explains why delaying retirement decisions can be costly. The conversation also covers maximizing 401(k) opportunities, catch-up contributions, and the importance of turning financial knowledge into action. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

Ken Himmler, is the co-founder of One Wealth Map, known for his client-first philosophy. Ken champions a holistic planning process designed to help clients live intentionally and achieve their version of financial freedom. Along the way we discuss – Wealthy vs. Rich (1:15), The "I Feel" Plan (6:30), Long Term Care? Nursing Homes? (15:30), Monte Carlo Simulation (21:30), Negative Sequence of Returns (23:00), Financial Propaganda (26:00), ROTH Conversion (30:00), God Complex (36:30), Bloodline Trust (40:30), Himmler AI Financial Solution App (45:30), and Ken's Memo (47:30).  Access Ken's financial help through his website @ One Wealth Map This podcast is teamed with LukeLeaders1248, a nonprofit that provides scholarships for the children of military veterans. Help us sponsor 5 scholarships for 2026. Send a donation, large or small, through our website @ www.lukeleaders1248.com, PayPal, or Venmo @LukeLeaders1248. 

On this episode: Most people believe they will be in a lower tax bracket and will get tax refunds in retirement. That may not be true. Is it time to pull back on your market risk when you retire? Financial advisors get paid in many ways. What is right for you? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Prolonged mechanical ventilation in rural long-term care settings brings a unique set of clinical, ethical, and logistical challenges for care teams, residents, and their families. In this episode, we explore the realities of ventilator use in rural long-term care environments, where limited resources and geographic barriers can complicate care decisions and delivery. We also take a thoughtful look at the emotional and practical impact of ventilator discontinuation, highlighting the experiences of those directly affected. Join us for a nuanced conversation that sheds light on an often-overlooked aspect of long-term care and the difficult decisions that come with it.      Von Vitto, DNP, CNP, AGNP-C, ACHPN® Von Vitto, DNP, CNP, AGNP-C, ACHPN® is a board-certified adult-gerontology nurse practitioner and has advanced certification as a hospice and palliative nurse. He currently serves as a nurse practitioner at HospiceCare in The Berkshires, Inc. in Berkshire County, MA. Von brings years of experience in delivering geriatric and specialty palliative care in skilled nursing facilities and to community-dwelling patients. He is passionate about navigating serious illness conversations and the provision of goal-concordant care. Von has also mentored and precepted nurse educator and nurse practitioner students.    Julie Thurston Julie Thurston is a board-certified Adult-Gerontology Primary Care Nurse Practitioner with advanced certification in Hospice and Palliative Care who currently serves as a key member of the leadership team at HospiceCare in The Berkshires, Berkshire County, Massachusetts. In her role, Julie provides comprehensive patient and family-centered care, supports her organization in ongoing performance improvement projects, and mentors her staff in various professional development opportunities. During her tenure, Julie has embraced diverse roles including RN Case Manager, RN Weekend/Evening Triage, and Staff Educator. Her commitment to the provision of high-quality care across the continuum earned her an Integritus Healthcare Profiles in Care award. Additionally, she shares her expert knowledge and experience providing education throughout the local community for healthcare providers across multiple disciplines. Julie has been an active member of the Hospice and Palliative Nurses Association since 2010.   Brett Snodgrass, DNP, FNP-C, ACHPN®, FAANP Dr. Brett Snodgrass has been a registered nurse for 28 years and a Family Nurse Practitioner for 18 years, practicing in multiple settings, including family practice, urgent care, emergency departments, administration, chronic pain and palliative medicine. She is currently the Operations Director for Palliative Medicine at Baptist Health Systems in Memphis, TN. She is board certified with the American Academy of Nurse Practitioners. She is also a Fellow of the American Association of Nurse Practitioners and an Advanced Certified Hospice and Palliative Nurse. She completed a Doctorate of Nursing Practice at the University of Alabama – Huntsville. She is a nationally recognized nurse practitioner speaker and teacher. Brett is a chronic pain expert, working for more than 20 years with chronic pain and palliative patients in a variety of settings. She is honored to be the HPNA 2025 podcast host. She is married with two daughters, two son in laws, one grandson, and now an empty nest cat. She and her family are actively involved in their church and she is an avid reader.

Retirement is often painted as a well-earned period of leisure, adventure, and relaxation. Yet, the journey to a fulfilling retirement is rarely straightforward. On this episode of the show, I'm shining a light on the intricate realities lying beneath common assumptions—and how the right planning, rooted in your personal goals and beliefs, makes all the difference. I also share an eye-opening case study highlighting the difference between being told you're "good to retire" and actually being prepared for retirement.    You will want to hear this episode if you are interested in...   [00:00] Advice on personalized retirement planning  [09:35] Retirement finances beyond your 401k [12:50] Planning a travel-focused retirement [15:13] Discussing retirement readiness scoring [17:51] Estimating future long-term care costs [21:06] Risks of a fixed income [30:34] Understanding annuities and IRA conversions When Generic Advice Isn't Enough It's critical it is to have a tailored retirement plan, not just a verbal green light from a general financial planner. Retirement is one of life's most significant transitions: leaving behind peak earning years for potentially three decades or more of financial independence. Generic answers, unsupported by analysis, put dreams and security at risk.   What Makes Up a True Retirement Plan? Retirement planning isn't just a matter of having "enough" in a 401(k) to draw a standard percentage each year. There is a huge array of considerations required for a robust plan:   Health Insurance Before Medicare: What happens if you retire at 61, but Medicare doesn't kick in until 65? Options like COBRA may be costly and only temporary. Knowing all available choices is crucial to avoid unexpected expenses. Housing Decisions: Downsizing might not bring the savings (or happiness) you expect in today's real estate market. Plans should address whether you'll stay, improve your home, or move, and how each choice affects your budget and taxes. Major Expenses and Repairs: From home improvements to HVAC upgrades, factoring in intermittent—but significant—expenses is part of protecting your financial stability in retirement. Timing Social Security: Early collection might not be best, especially for those with longevity in their family. Taking a holistic view of Social Security's role in your cash flow and legacy is vital. Personal Goals: Retirement is about more than cash flow. What do you wish to do—travel, spend time with family, pursue hobbies? These needs must be "baked into" your plan, not treated as afterthoughts.   Why There Are No Shortcuts in Planning The elevator to success is broken. You have to use the stairs!. You need to put in the work, do some brainstorming, and conduct continuous review to build a strong retirement plan. Shortcuts—like relying on rules of thumb or ignoring nuanced needs—leave you exposed to avoidable pitfalls. Assessing your "retirement readiness grade" honestly helps identify what's missing. Rarely does someone fail readiness due to insufficient savings alone; more often, the gaps lie in overlooked factors such as healthcare, taxes, risk mitigation, or a lack of clarity on what retirement should look like.   The Power of Personal Core Beliefs in Shaping Strategy Your beliefs and values shape your retirement strategy. These core beliefs drive thoughtful planning:   Long-Term Care is a Universal Risk: Statistically, women face a higher likelihood of needing care, but everyone must plan for this unpredictable cost. Inflation Is Inevitable: Rising costs, from stamps to healthcare, erode fixed incomes over time. A plan that doesn't anticipate inflation invites hardship down the road. National Debt and Taxes: With U.S. debt at $40 trillion and growing, it's prudent to assume taxes will rise in future decades; your tax strategy should reflect that likelihood, even as you account for uncertainty.   Writing Your Own Next Chapter Most importantly, you have to understand that retirement as a deeply personal chapter—you get to decide what happiness and fulfillment mean. Whether that involves travel, volunteering, family time, or pursuing new ventures, your personal goals must drive your planning process. There's no one-size-fits-all template; only a comprehensive, personalized plan offers true peace of mind. Retirement readiness isn't a destination handed to you—it's a path you build through diligent planning and honest reflection on what matters most to you. By moving beyond generic reassurances and crafting a strategy rooted in personal goals and beliefs, you can confidently step into retirement's best years.   Resources & People Mentioned 3 Steps to Retirement Planning   Connect With Gregg Gonzalez   Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

The “Henssler Money Talks” hosts tackle one of retirement's biggest financial unknowns: long-term care. With care costs capable of disrupting even well-funded retirement plans, we'll discuss the planning options available — from traditional long-term care insurance and hybrid policies to self-insuring — and explain how cash flow projections and scenario analysis can help families make informed decisions before a health event turns into a financial crisis.Original Air Date: June 27, 2026Read the Article: https://www.henssler.com/preparing-for-retirements-most-expensive-what-if   

Hot investments grab headlines, but do they belong in a retirement plan? JoePat Roop discusses the SpaceX IPO, retirement income strategies, long-term care concerns, and why retirement planning requires more than stock market predictions. He also introduces the “tax triangle” concept and explains how retirees can think differently about tax-free, tax-deferred, and taxable assets while building a stronger retirement strategy. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

The economy may be sending mixed signals, but for many Americans, the difference comes down to one simple question: Do you earn your income, or do you own assets that generate wealth over time? In this episode, we examine today's “K-shaped economy,” why inflation and rising asset prices have created very different financial realities, and what those differences reveal about building long-term wealth.That conversation naturally leads us into one of the most powerful forces in personal finance: compound interest. We'll explore why building your first million can feel painfully slow while later wealth seems to grow almost effortlessly, why so many investors give up before compounding has a chance to work, and how patience — not timing — is often the key to long-term success.After the break, we tackle one of retirement's biggest financial unknowns: long-term care. With care costs capable of disrupting even well-funded retirement plans, we'll discuss the planning options available  —from traditional long-term care insurance and hybrid policies to self-insuring — and explain how cash flow projections and scenario analysis can help families make informed decisions before a health event turns into a financial crisis.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — June 27, 2026  |  Season 40, Episode 26Timestamps and Chapters4:45: Same Economy, Different Reality16:45: Why the First Million Is the Hardest27:15: Long-Term Care: The Conversation Nobody Wants to Have (But Has to)Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

 Long Term Care help from Cache Valley Pharmacy

Commentary by Dr. Mark Tuttle.

Commentary by Dr. Jian'an Wang.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

In part two of this conversation, James and Michelle Prather discuss the realities of long-term care, the challenges facing families and caregivers, and why planning ahead can help preserve both financial security and personal dignity. They also explore common misconceptions about government programs and the value of maintaining control over future care decisions. As always, we hope you enjoy the episode, and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client!➫ https://www.bankingwithlife.com/how-to-fast-track-becoming-your-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here:➫ https://www.bankingwithlife.com/product/the-5-part-6.5-hour-video-series-nelson-nash-recorded-live/(Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking...➫ https://www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here:➫ https://www.bankingwithlife.com/product/becoming-your-own-banker-infinite-banking-concept-starter-kit-special-offer/━━━Learn more about James Neathery here:➫ https://bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts:➫ https://podcasts.apple.com/us/podcast/banking-with-life-podcast/id1451730017Listen on your Android through Stitcher:➫ https://www.stitcher.com/podcast/bank...Listen on Soundcloud:➫ https://soundcloud.com/banking-with-life-podcast━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Everything you need to know about long term care, and the types of long term care. Show notes and transcript at What is Long Term Care? A Simple Explanation for Kids & Beginners Everything you need to know about long term care, and the types of long term care. Show notes and transcript at What ... Read More

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Inflation is rising again—so what does that really mean for your retirement income? This episode with JoePat Roop unpacks the latest inflation data, shifting Fed expectations, and how higher prices at the pump and grocery store can impact your long-term plan. The conversation also explores how taxes, required minimum distributions, and income strategies intersect with today’s economic environment. From Roth conversion considerations to long-term care costs, the focus stays on one key question: is your life savings structured to keep up with rising expenses and deliver consistent income through retirement? For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In part one of this two-part episode, James sits down with Michelle Prather, author of Who's Wiping Your Assets?, to discuss long-term care planning, common misconceptions about care costs, and the impact these expenses can have on families. They also explore asset-based long-term care solutions and why planning ahead can help preserve both wealth and peace of mind. As always, we hope you enjoy the episode, and thank you for listening!Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Randy Fearnow speaks with Jaya White, Partner, Quarles & Brady LLP, about the regulatory landscape surrounding the growing home infusion industry. They discuss issues related to the Medicare HIT benefit; home infusion-specific state licensure requirements; ambulatory infusion suites, IV hydration clinics, and med spas; Indiana's recent requirement that their Medicaid home care providers must also be certified for Medicare; and the regulatory definition of “homebound.” Jaya co-wrote an article for Health Law Connections about this topic. From AHLA's Post-Acute and Long Term Services Practice Group.Watch this episode: https://www.youtube.com/watch?v=9rd5xivY2YkRead Jaya's Health Law Connections article: https://www.americanhealthlaw.org/content-library/connections-magazine/article/488ffc74-684d-4c97-882c-eae034db75fa/Navigating-Regulatory-Pitfalls-at-the-Nexus-BetweeLearn more about AHLA's Post-Acute and Long Term Services Practice Group: https://www.americanhealthlaw.org/practice-groups/practice-groups/post-acute-and-long-term-servicesEssential Legal Updates, Now in AudioAHLA's popular Health Law Daily email newsletter is now a daily podcast, exclusively for AHLA Comprehensive members. Get all your health law news from the major media outlets on this podcast! To subscribe and add this private podcast feed to your podcast app, go to americanhealthlaw.org/dailypodcast.Stay At the Forefront of Health Legal EducationLearn more about AHLA and the educational resources available to the health law community at https://www.americanhealthlaw.org/. 

The Uber model is finally coming for healthcare. Katie J. Wells joins Paris Marx to discuss how much the healthcare gig apps resemble Uber's rollout, why they aren't being properly regulated, and the effects they're having on staff and patients alike.Katie J. Wells is a Senior Fellow at AI Now Institute and a co-author of Disrupting D.C.: The Rise of Uber and the Fall of the City.Tech Won't Save Us offers a critical perspective on tech, its worldview, and wider society with the goal of inspiring people to demand better tech and a better world. Support the show on Patreon.The podcast is made in partnership with The Nation. Production is by Kyla Hewson.Also mentioned in this episode:Paris asked listeners to fill out a survey. It will only take a few minutes!Here is Katie's most recent work examining the gig model for healthcare.Support the show

For this week's episode, AgingIN CEO Susan Ryan sits down with Leslie Eber, MD, a board-certified internal medicine physician, certified medical director, and president of the Society for Post-Acute and Long-Term Care Medicine (PALTmed). Her journey into the field of geriatrics was inspired by her father's commitment to humanitarian service.  Her role with PALTmed is helping to shape the future of post-acute and long-term carethrough education, advocacy, and interdisciplinary collaboration. In addition to sharing what it truly means to be a medical director in today's care environment, Dr. Eber explains why deeply knowing the person behind diagnosischanges everything. She also explores with Susan some impactful PALTmed initiatives, like "Drive to Deprescribe," as well as tools to improve quality of life and reduce unnecessary interventions.  Ultimately, Lesley paints hopeful vision for the future, where elder communities are fully integrated into society, where intergenerational connections thrive, and where ageism is confronted by recognizing the wisdom and value of those who came before us. More information about PALTmed here: https://paltmed.org Learn about the AgingINnovation 2026 annual conference here: https://aginginnovationconference.org

In this episode of The Broker Link Podcast, host Chris Newberry welcomes David Seiger, long-term care specialist, to the Life Team at The Brokerage Inc. David shares his unique journey from practicing as an elder care attorney to becoming a dedicated advocate for long-term care planning and insurance solutions. Drawing on years of experience helping families navigate the challenges of aging and caregiving, David explains why long-term care planning has become one of the most important—and often overlooked—components of a comprehensive financial strategy. He discusses the realities of today's care costs, noting that nursing home care can range from $8,000 to $12,000 per month, while home care services can exceed $30 per hour, creating significant financial risks for retirees and their families. Chris and David also address common misconceptions about Medicare, clarifying its limitations when it comes to covering long-term care needs. The conversation highlights how long-term care insurance can help protect assets, preserve retirement savings, and provide families with greater flexibility and peace of mind when care becomes necessary. For insurance agents, David emphasizes the growing need to understand long-term care solutions and incorporate these conversations into their client planning process. He shares how he supports agents through education, training, and case design assistance, making it easier to confidently introduce long-term care products as part of a holistic planning approach. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every week. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

Even with millions saved, retirement questions don’t disappear—they just change. This episode with Christian McPherson explores common concerns like market volatility, long-term care, and economic uncertainty, alongside practical ways to prepare for them. The conversation highlights building a structured plan, managing risk, and creating “guardrails” to protect income. It also touches on client relationships, second opinions, and staying focused on long-term goals. Plus, insights from a professional athlete bring a unique perspective on navigating life’s next chapter. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

More Americans are entering retirement without a spouse, children nearby, or a built-in support system. Aging alone presents unique financial, legal, healthcare, housing, and caregiving challenges that require proactive planning long before a crisis occurs. Richard Rosso & Devoda Owens discuss the essential steps solo agers should take to maintain independence, protect their finances, prepare for healthcare needs, and create a reliable support network. Whether you are approaching retirement, already retired, or helping a loved one navigate the aging process alone, this discussion provides a practical roadmap for maintaining financial security, personal dignity, and quality of life throughout retirement. Here's a topical rundown of today's show: 0:00 - INTRO 0:19 - Hate Ball, Nat'l. Donut Day,, & Mummy Beer(!) 5:18 - The Dilemma of Aging in Place 13:55 - Building a Reliable Support Network 16:23 - Creating a Housing Plan for Old Age 19:40 - Proximity to Healthcare 22:25 - Finding Proper Personal Care 26:43 - Legal Prep & Elder Law Attorney 29:05 - Identifying Risks in the Home 32:09 - Preparing for Long Term Care 33:22 - Life 360 & Monitoring technology 35:47 - Having a Purposeful Retirement 36:57 - The Village People 39:28 - Home Care Agencies 40:07 - National Resources 44:34 - Candid Coffee Coming Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Devoda Owens, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/1xGIEPzZgQQ ------- Watch today's "Before the Bell" feature, "Single Sector Driving Markets," here: https://youtu.be/mRXYN5YlgdI ------- Watch our previous show, "Muni Bonds for Tax-Free Income in Retirement" https://youtube.com/live/XbYe5BPn8jA ------- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Beyond Protection: What Life Insurance Can Really Do," Saturday, June 20, 2026: https://streamyard.com/watch/WauFUig8HFtb --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #AgingAlone #LongTermCare #RetirementIncome #FinancialPlanning

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

Good food is something we all look forward to, something that tastes good, nourishes us, connects us to culture and community, and that we enjoy sharing with friends and family. That doesn't change when someone moves into a long term care facility. In fact, food often matters more to people living in long-term care. At its best, food supports nutrition and health, triggers positive memories, and provides moments of comfort and connection. However, we know this isn't always the case. In fact, poor food is often one of the top complaints that residents share with Ombudsmen representatives and family members. When Consumer Voice conducted a survey of over 450 residents last year, two thirds of respondents said that their food usually doesn't look or smell appealing. In this episode, we're joined by Vanessa Emm, the Operations Director for the National Association of Activities Professionals (NAAP) who has worked in the long-term care field for over 20 years. We are also joined by Summer Nancollas, a Culinary Director at a Senior Living Community in Nevada. Join us as we talk about why food plays such a central role in residents' well being, what gets in the way of good meals in long term care, and the best practices that facilities can use to create dining experiences that truly honor residents' needs, preferences, and dignity.

A spring cleaning mindset might belong in your financial life more than your closet. This episode explores how cluttered accounts, forgotten 401(k)s, and outdated plans can impact retirement readiness. Jackie Campbell discusses simplifying your financial picture, coordinating investments, and focusing on income strategies that align with your goals. She also touches on tax awareness, long-term care considerations, and how shifting priorities shape retirement planning over time. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Did you know that over half of Americans turning 65 today are projected to need some form of long-term care? With nursing home costs in Texas averaging thousands of dollars a month, relying on hope is not a financial plan. In this episode of Talk Law Radio, host and elder law attorney Todd Marquardt exposes the critical legal blind spots that can quietly erase your life savings. Joined by financial planner Joseph Warren, the duo breaks down the exact strategies you need to transition from a regular paycheck to a reliable, tax-efficient retirement stream, while legally shielding your home and assets from the soaring costs of long-term care. Don’t wait until you are broke to figure out the rules—discover the legal exceptions that can save your legacy. Key Takeaways & Highlights The Retirement Paycheck Shift: Joseph Warren from Financial Planning HQ explains why retirement isn't just an "investment problem". Learn how a coordinated strategy utilizing lower tax brackets and automated Roth conversions can protect your portfolio from sequence of return risk and inflation. The Reality of Long-Term Care Costs: Todd lays out the staggering numbers for home care, assisted living, and nursing homes in Texas, highlighting why families must proactively budget for these events. Medicaid Exceptions (The "Have Your Cake and Eat It Too" State): Discover how you can legally qualify for Medicaid to cover nursing home care while keeping your home, farm, ranch, or business safe from immediate countable asset rules. The Five-Year Look-Back Trap: Understand the penalties associated with gifting or giving away assets for less than fair market value, and why navigating these rules requires an elder law expert. The "License to Steal" Warning: Todd shares a crucial segment on the "sinners and saints" of Estate Planning, emphasizing the immense power—and potential dangers—hidden inside a Durable Power of Attorney. Defining Your Prime Objective: What matters most to you? Whether your goal is leaving a legacy for your family, getting the absolute best care money can buy, or staying in your home as long as possible, you must document it legally. -Sponsored by Marquardt Law Firm and Financial Planning HQ -Go to marquardtlawfirm.com and financialplanninghq.net Links & Resources Mentioned in this Episode Get Your Free Checklist: Email host@talklawradio.com with the subject line "Long-Term Care Deficiencies" to receive Todd’s complimentary checkup list. Marquardt Law Firm: Schedule a consultation to protect your estate at marquardtlawfirm.com or call 210-530-4278. Financial Planning HQ: Connect with Joseph Warren and his team for a personalized financial roadmap at 210-685-2722. Enjoyed the episode? Subscribe to Talk Law Radio on YouTube or your favorite podcast app, and share this episode with a loved one today!See omnystudio.com/listener for privacy information.

Sean has been in the Financial Advisory field for over 13 years. He has specialized in working with school district staff on educating them on how exactly their CalSTRs and CalPERS actually work, and their options to close the pay gap in their pension. He has enjoyed educating clients on how to maximize their pension as well as introducing them to tax-free alternatives. I have also worked with small businesses, Buy-Sell agreement options, and other opportunities for businesses to protect their interest as well as ways to retain their key employees.Sean continues to educate myself to make sure that he's up to date with new products and services that will benefit his clients.Adding Long Term Care plans recently to their scope of service has been beneficial to many of the clients, and he sees it as an underserved market that will have a huge impact on their clients' estates, taxes, and even dignity. Sean loves what he does and has a passion to serve.Learn more: https://pmvfinancial.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-sean-vazquez-founder-of-pmv-financial-discussing-long-term-care

1016. Are you concerned about affording the future cost of long-term care (LTC), especially with inflation and rising healthcare costs? Laura answers a listener's question about buying LTC insurance or investing for retirement. You'll learn how different LTC products and services work and their pros and cons for those with different budgets and goals.Key takeaways: Traditional long-term care insurance is best for people in relatively good health with sufficient assets and retirement savings to protect, but you don't get payments back if you never need covered care.Various hybrid products, such as life insurance and annuities, can include LTC benefits and accrue value you can pass to your heirs, but at a higher cost than traditional LTC insurance.Using personal savings or home equity may be an option to pay for LTC if you have a high net worth and are comfortable self-insuring.Medicaid is the largest single payer of nursing home care in the U.S. for those with low assets, such as a net worth below $2,000, or other eligibility requirements.Veterans may be eligible for specific LTC benefits that provide a monthly stipend for care at home or in a facility.Upcoming Wedding Series Coming Up: We want your questions about wedding finances! Whether you're the bride, groom, or a guest, send us your questions about budgeting for the big day. Email: money@quickanddirtytips.com or leave a voicemail: (302) 364-0308.Money Girl is a Quick and Dirty Tips Podcast, hosted by Laura Adams.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308 with your question or comment! Hosted on Acast. See acast.com/privacy for more information.