Podcasts about long term care

In this episode of Independent Insights, Britney Woods sits down with Dr. Amir Khan, owner of Hammer Lane Pharmacy, to explore the opportunities and realities of expanding into long-term care pharmacy services. Drawing from his experience growing from a traditional community pharmacy into hospice, assisted living, skilled nursing, and other long-term care settings, Dr. Khan shares practical insights on evaluating readiness, navigating operational and workflow considerations, building sustainable service models, and creating deeper connections with patients and care teams. Listeners will gain a candid perspective on the challenges, rewards, and opportunities with long-term care as a strategy for diversifying pharmacy services. HostBritney Woods, PharmDSr. Manager, Community PharmacyMcKesson / Health MartGuestsAmir Khan, PharmDOwnerHammer Lane PharmacyResourcesOperations Handbook Content:Components of Patient-Centered WorkflowMedication Synchronization TasksHealth Marth Long Term Care Pharmacy Services Toolkit: https://my.mckesson.com/newscenter/health-mart-ltc-toolkit my.mckesson.com/solution-center/hm-ltc?cameFromSearch=true Tune into Episode 24: Automation That Works: How Independent Pharmacies Decide, Implement, and ThriveHealth Mart Pharmacies can access Health Mart University (HMU) for:Helpful CE courses and more on Supply Chain and Inventory Management Skills Training for Pharmacy Technicians, Technician Specialist: Inventory Management Training, Business Principles for Community Pharmacy Practice, Partnership for Success: Leveraging Value-Based Agreements for Community Pharmacy Growth, Key Benchmarks for Pharmacy Performance, Contracting 101: Understanding Third-Party Agreements, Compliance Risks, and Financial ImpactHealth Mart pharmacists to claim their CE credit for weekly Gamechanger episodes  ReferencesCommunity Pharmacists Fill Long-Term Care Gaps Pharmacies Offering some level of Long-Term Care Services: NCPA Releases 2023 Digest Report  Pharmacies Considering Closing Their Business: NCPA: Independent Pharmacies Weigh Stocking Drugs Under Medicare Price Negotiation One in five people will be over age 65 by 2030: Demographic Turning Points for the United States: Population Projections for 2020 to 2060 National Community Pharmacists Association The views and opinions expressed in this podcast are those of the guest and do not necessarily represent the views or positions of Health Mart, McKesson or its affiliates or subsidiaries ("McKesson”). The information provided herein is for informational purposes only and does not constitute the rendering of clinical, legal or other professional advice by McKesson.

For this episode my guests are Chris and Paul Robertson, fairly new residents at The Village of Riverside Glen. Chris and Paul take me back to how they met, when Chris was a participant in a beauty contest hosted by a radio station Paul worked at as a radio personality in Galt ON. Paul ended up transitioning from radio to work in IBM as a salesman, while Chris held a career as a nurse in Longterm Care. Her work gave her a window into the life ahead of her now, as she navigates the reality of living in care, before they had wanted to, in anticipation of Chris' progressing Parkinson's. I really appreciate their vulnerable and honest sharing. Thank you Paul and Chris!This interview was originally recorded on July 30, 2026 This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bridgingthesocialdistance.substack.com

What if the biggest threat to your retirement isn't the market, but the expenses you never planned for? Raj Shah and Rick Borek discuss longevity risk, sequence-of-returns risk, and why today's retirees need a strategy beyond traditional withdrawal rules. They explore portfolio risk management, AI-driven investment models, rising healthcare costs, Medicare coverage gaps, and new approaches to preparing for potential long-term care expenses. The conversation highlights how retirement planning has evolved and why protecting income and assets may require a different playbook than in previous generations. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner.See omnystudio.com/listener for privacy information.

Thomas E. Hanzel joins host Todd Eury to discuss how AI, automation, data access, and emerging at-home care models can help long-term care pharmacies improve efficiency, expand patient care, and diversify revenue. Host: Todd Eury Guest: Thomas E. Hanzel, PharmD, MBA

George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner™ designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex.After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia's Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.Learn more: https://www.mcwealth.com/Or buy the book at: https://justabundance.com/Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPCInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-healthcare-and-long-term-care

George McReynolds, CFP® is a veteran wealth manager, tax strategist, and best-selling author who has spent four decades at the intersection of money, taxes, and real-world decision-making.After leaving public safety in 1985, George entered banking, where his early grounding in tax fundamentals made him a natural fit for working with business owners and affluent borrowers. He became a go-to resource within private banking circles, earning what he describes as a “ringside seat” to how wealthy families actually manage — and mismanage — money.In 1994, after discovering The Great Boom Ahead by Harry Dent, George returned to school to earn his Certified Financial Planner™ designation. Around the same time, he opened a tax preparation practice and worked inside a high-volume tax firm preparing blue-collar returns under intense time pressure. Then followed a CPA firm serving business owners and high-net-worth families. That experience gave him an unusually broad view of the tax system — from the simplest returns to the most complex.After passing the CFP® board exam, George was recruited to a prestigious investment firm on Philadelphia's Main Line. Soon after, he launched a comprehensive financial planning program inside the credit union of a major pharmaceutical company, where he helped more than a thousand pharma employees and retirees navigate retirement, taxes, stock compensation, and benefit decisions.Learn more: https://www.mcwealth.com/Or buy the book at: https://justabundance.com/Securities and Advisory Services offered through LPL Financial, registered investment advisor. Member FINRA/SIPCInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-george-mcreynolds-founder-of-mcreynolds-company-discussing-healthcare-and-long-term-care

Long-term care is one of the most overlooked and potentially costly parts of retirement planning. In this episode of Retiring Today, we walk through what long-term care really means, the likelihood you or a loved one may need it, and the financial impact it can have on your retirement. Most importantly, we introduce a modern approach to long-term care planning, a new way of thinking about how to prepare for these expenses without derailing your retirement. --Ready to take the next step?  Schedule a RetireReady Call at https://bit.ly/3UI1RPd

September 26th, 2026.

In this episode of the Banking With Life Podcast, James continues his conversation with his friend Roger Cantu about asset-based long-term care and the importance of planning ahead. They discuss life insurance and annuity-based solutions, tax advantages, underwriting, and the different ways a long-term care plan can be structured and funded. They also explore how planning ahead can help protect assets while reducing the financial and personal burden placed on spouses and family members. 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.

Kelley goes through a list of mistakes to avoid when the market creates that nervous feeling. She warns again panic selling, withdrawing too soon, and trying to “catch up.” She also suggests implementing tax-efficient strategies and a healthcare and long-term care plan. Kelley also discusses the sound strategies to help retirees enter that “decumulation” stage of their life. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

Extendicare is one of Canada's largest long-term and retirement care companies. It's refusing to bargain with its workers fairly instead of sharing some of its $97 million profit. The LabourStart report about union events. And singing: "Pie in the Sky".

The entire estate and long-term care system runs on one assumption: that you have kids who will make your decisions, provide your care, and inherit what's left. For Childfree people, that quietly turns standard legal documents into a liability. In this deliberately nerdy solo episode, Dr. Jay Zigmont, CFP® pulls apart the 6,000-word article he wrote for financial planners at Kitces and turns it into a plan you can actually use, from the trust language that should put your care first to the net worth buckets that decide how you pay for it. It's technical, honest, and built on one blunt truth: the system won't protect you, so you have to build the plan that will.In This Episode, You'll Learn:Why the standard estate planning system breaks down for Childfree people, and why the goal is a plan for both paying for care and naming decision-makers in place by your mid-40sHow traditional HEMS trust language limits your own care, and why "exhaustion for care" provisions that put your comfort first are essential in a Childfree trustWhy naming a relative who also inherits creates a conflict of interest, how it opens the door to elder financial abuse, and what the alternatives are, from state-licensed fiduciaries to a nationwide serviceWhy a pet trust matters, how to fund one so your animal is genuinely protected, and why pets are the number one reason Childfree people finally complete their estate paperworkHow to actually pay for long-term care using the net worth buckets, why Medicare doesn't cover it, and how the single tax makes care more expensive when you're on your ownResources Mentioned:The full Kitces article: Childfree Trust Planning: A Lifetime Care Defensehttps://www.kitces.com/blog/client-childfree-trust-planning-lifetime-care-defense-estate-ltc-insurance/  Childfree Trust: https://childfreetrust.com/ FreeWill, free estate paperwork: https://www.freewill.com/ The NOKBOX (Next of Kin Box): https://www.thenokbox.com/ Recompose: https://recompose.life/ Episode Host:Dr. Jay Zigmont, CFP® is the Founder of Childfree Wealth®, a life and financial planning firm dedicated to helping Childfree and permanently Childless people, and Childfree Trust®, the first of its kind next of kin representation service for Childfree people. He is also the author of The Childfree Guide to Life and Money.About Childfree Insights:Childfree Insights is the trusted education hub for people who are Childfree or permanently Childless. It provides guidance on finances, estate planning, relationships, and life decisions for adults without children. Home of Childfree Wealth® and Childfree Trust®, supporting long-term planning for people living without kids.Connect with Us:Ready to work on building better financial habits? Connect with our financial planning team at childfreewealth.com or learn more about estate planning at childfreetrust.com.Follow Childfree Life by Design on your favorite podcast platform and join the conversation on social media:Instagram: https://www.instagram.com/childfreeinsightsFacebook: https://www.facebook.com/ChildfreeInsights/LinkedIn: https://www.linkedin.com/company/childfreeinsightsYouTube: https://www.youtube.com/@ChildfreeInsightsDisclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

In this conversation, Scott and Harley explore: Why do most clients—especially men—deeply believe a care event won't happen to them, and why does that belief shut down the conversation? How did the way long-term care insurance was historically sold (statistics, fear, the "kitchen-table" tactics) damage the industry's credibility with financial advisors? What does it mean to "change the terms of engagement" by dismissing risk and focusing entirely on consequences? How does an extended care event fracture rather than unite a family—and why does one child (often a daughter) end up carrying the burden? Why is paying for care a reallocation of capital and cash flow—and what breaks when 100% of a successful client's cash flow is already committed? How does an extended care event disrupt a financial advisor's core business model of generating predictable income? Why does Harley frame the discussion around a client's lifetime commitment to family rather than around a product? **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

What happens when someone you love suddenly needs long-term care and you realize you weren't prepared for what comes next?On this special episode of Groove with Portia, I'm joined by Jacklyn Ryan, Lindsay Friedman and Nicole Lennon for an important panel discussion about long-term care, family advocacy, caregiver grief, protecting our loved ones and the warning signs families need to know.We'll also discuss the upcoming ROAR Walk for Long-Term Care Reform on Sunday, September 27 and how families can turn their experiences into advocacy and action.Learn more about ROAR: www.roar4ltc.org

In this episode of Retire with Style, Wade and Alex tackle listener questions spanning some of the most important decisions retirees and pre-retirees face, including tax planning, Roth conversions, annuities, withdrawal strategies, and preparing for an uncertain future. They explore tax traps that can arise from preferential income stacking, Medicare IRMAA, and other income-related phaseouts; break down the pros and cons of QLACs; and explain why the traditional 4% rule may work better as a rough planning benchmark than as a real-world retirement spending strategy. The conversation also examines how investors should think about asset allocation in the age of AI, the challenges of funding a very early retirement, and how TIPS, annuities, liquidity, and spending flexibility can work together. They close by discussing annuity safety and why even seemingly secure retirement strategies still involve tradeoffs and risks. Listen now to learn more.  Takeaways The 4% rule can provide a rough retirement savings target, but fixed inflation-adjusted withdrawals rarely reflect how people actually spend throughout retirement. Retirement tax planning requires looking beyond your tax bracket because capital gains stacking, NIIT, Medicare IRMAA, and deduction phaseouts can increase your effective marginal tax rate. QLACs can provide late-life income while delaying RMDs on the premium, potentially making them useful for longevity planning and certain long-term care strategies. Rather than trying to predict how AI will affect markets over the next five or ten years, investors should recognize that current expectations are continually being incorporated into market prices. A Roth conversion strategy should focus on the effective marginal tax rate, not simply filling a particular federal income tax bracket. Retiring in your 40s or early 50s makes guaranteed lifetime income considerably more expensive, which can make spending flexibility especially important for early retirees. A safety-first retirement strategy still needs to preserve capital outside the income floor for discretionary spending, inflation risk, and expenses that may increase later in life. People concerned about a forced early retirement may benefit from maintaining liquid, accessible assets outside retirement accounts while continuing to save aggressively. Annuities are not completely risk-free, although contractual protections, insurer financial strength, and state guarantee systems provide layers of protection for policyholders. Chapters 02:06 Tax Traps When Delaying Social Security and Medicare 04:07 Understanding Qualified Longevity Annuity Contracts (QLACs) 06:04 Pros and Cons of QLACs for Long-Term Care and Income 07:49 The Limitations of the 4% Withdrawal Rule 10:14 Asset Allocation and the Era of AI in Investing 12:01 Early Retirement Planning and Risk Pooling Tools 14:04 Risk Management and Safety Nets for Insurers 15:57 Tax Planning Strategies for Roth Conversions 17:59 Managing Income and Tax Efficiency in Retirement 20:01 Long Horizons and Annuity Efficiency for Young Retirees 21:55 Balancing Guaranteed Income Floors with Growth Assets 23:52 Short-Term Liquidity and Career Uncertainty 26:02 Risk of Multiple Insurer Failures and Economic Scenarios   Links

Retirement planning starts long before investment decisions. Jackie Campbell explains the value of a comprehensive retirement roadmap, covering income, taxes, risk, estate planning, and long-term care. The discussion also explores lessons from the Golden Girls, the importance of planning for healthcare needs, and why staying engaged, intentional, and connected can play an important role throughout retirement. 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.

In this episode, Kevin discusses the future of Social Security, Medicare, and the importance of financial planning for retirement. He shares insights on policy changes, personal finance strategies, and how to prepare for potential benefits cuts. 480-406-3396 Silver Leaf FinancialSee omnystudio.com/listener for privacy information.

Kelley covers mistakes to avoid in retirement planning including thinking you can beat the market, keeping all money in cash, and improper diversification. She also runs down a good list of important considerations to check off before launching retirement and discusses five things everyone needs in a retirement plan. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

In this episode of the Banking With Life Podcast, James sits down with his friend Roger Cantu to discuss asset-based long-term care and the importance of planning ahead. They explore how long-term care needs can impact families, the differences between traditional and asset-based approaches, and how proper planning can provide greater control over where and how care is received. 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: ➫ 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.

Retirees often consider the many facets of planning and their needs for later in life separately. Vince Bodnar, President and CEO of Lumos Insurance, joins co-hosts Tisa Rabun-Marshall, Ramsey Smith, and Bruno Caron to discuss how a more coordinated planning process may help individuals better understand the interconnection of retirement income, health, quality of life, and legacy. Vince also shares his perspective on product development, advisor education, longevity risk and the role of reinsurers in supporting insurance solutions. Listen where you get your podcasts and at thatannuityshow.com

In episode 192 of the Federal Retirement Show, Val covers your questions about Long-Term Care, and Retirement income planning in part five of often asked federal retirement questions. Have questions about retirement planning or other financial topics? Connect with Val and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. ---

All Home Care Matters and our host, Lance A. Slatton, were honored to welcome Susie Singer Carter and Don Priess for an important conversation about ROAR 4 LTC, the first-ever National Walk for Long-Term Care Reform, and the inaugural National Long-Term Care Reform Day taking place Sunday, September 27, 2026. This powerful discussion examines why long-term care affects every family, why the crisis facing nursing homes and long-term care can no longer remain hidden, and how families, caregivers, healthcare professionals, advocates, and communities across the country are coming together to demand meaningful change. ABOUT ROAR 4 LTC: ROAR stands for Respect. Oversight. Advocacy. Reform. ROAR 4 LTC is a national nonprofit movement dedicated to transforming long-term care through storytelling, education, advocacy, and public action. Born from the impact of the documentary No Country for Old People, ROAR seeks to make visible what too often remains hidden — nursing home neglect, abuse, chronic understaffing, inadequate oversight, and the devastating consequences these systemic failures can have on residents and their families. The movement is bringing together families, caregivers, healthcare professionals, advocates, students, organizations, and communities to call for greater dignity, accountability, transparency, and meaningful reform throughout long-term care. THE NATIONAL WALK FOR LONG-TERM CARE REFORM: On Sunday, September 27, 2026, communities across the United States will come together for the historic first-ever National Walk for Long-Term Care Reform and the inaugural National Long-Term Care Reform Day. The message is simple but powerful: "The power of the people is greater than the people in power." The National Walk is designed to bring the long-term care crisis into the public eye and give families, caregivers, residents, professionals, and advocates a collective voice. Participants are encouraged to walk, volunteer, organize, advocate, share their stories, and help ensure that the people living in long-term care are never treated as invisible. As ROAR says: Be a ROARior for our most vulnerable. Learn more, join the movement, and find a local walk: www.roar4ltc.org ABOUT SUSIE SINGER CARTER: Susie Singer Carter is a multi-award-winning, Oscar-qualified filmmaker, writer, director, producer, actor, podcast producer, host, and caregiver advocate. She is best known for writing, directing, and producing the Oscar-qualified short film My Mom and The Girl, starring Valerie Harper in her final performance; writing and producing Bratz: The Movie for Lionsgate; and co-producing Soul Surfer for Sony. Susie also produces and hosts the podcast Love Conquers Alz, which was awarded Best Podcast in 2020 by the New Media Film Festival. Her personal journey as a caregiver began during her mother's 16-year journey with Alzheimer's disease and ultimately became the driving force behind much of her advocacy and filmmaking. Susie is also the filmmaker behind No Country for Old People, a documentary project examining nursing home neglect and the systemic long-term care crisis in America. Through ROAR, she is helping transform deeply personal stories of families and caregivers into a national movement for awareness, accountability, and reform. ABOUT DON PRIESS: For more than two decades, Don Priess has worked as an award-winning writer, producer, director, and editor. He co-founded Modern Media and has worked on projects for CBS/DIC Entertainment, Nickelodeon, Buena Vista, American Movie Classics, Lifetime, Hanna-Barbera, Playboy Entertainment, and others. Don later teamed with Susie Singer Carter as part of Go Girl Media. Together, they served as writers and Co-Executive Producers of the CBS series CAKE and DANCE REVOLUTION, as well as SURVIVING HAWKING and SILVER LININGS for Fox Television Studios. In this conversation with Lance A. Slatton, Susie and Don discuss the stories and experiences that helped inspire their long-term care advocacy, why storytelling can be such a powerful catalyst for social change, and why September 27 represents an opportunity for Americans to stand together for the dignity and protection of our most vulnerable citizens. Long-term care is not someone else's issue. It is a family issue. It is a caregiver issue. It is a healthcare issue. And eventually, it can touch every one of us. Join the movement on September 27, 2026. Learn more: www.roar4ltc.org    

The scariest part of caregiving is how quietly it starts, until one day you realize you're making medical decisions, managing safety, and carrying a grief nobody warned you about. We're joined by filmmaker, producer, and activist Susie Singer, who cared for her mom through 16 years of Alzheimer's and turned that experience into storytelling that doesn't look away.We talk about the early symptoms that don't feel like “normal aging” and the moment a simple cognitive test makes everything real. Susie gets honest about the common missteps many dementia caregivers make at first, like “testing” a loved one, then shares the mindset shift that changed everything: lean into their world instead of forcing them to stay in ours. We also dig into what happens when care moves beyond home, including why continuity, connection, and dignity matter as much as any medication.Then the conversation turns into a hard investigation of long-term care in the United States. Susie explains how her documentary No Country for Old People exposes nursing home neglect, understaffing as a business model, COVID-era lockouts, avoidable injuries like pressure sores, and the reality of chemical restraint, including off-label sedation with drugs like Depakote. She shares where you can watch the film (Amazon Prime and free on Tubi) and why she helped launch ROAR (Respect, Oversight, Advocacy, and Reform for Long-Term Care), including a National Long-Term Care Walk for Reform on September 27.Visit roar4ltc.org to find out more information. If you're an Alzheimer's caregiver, a dementia caregiver, or someone trying to choose memory care or skilled nursing, this conversation gives language, context, and a way to take action. Subscribe, share this with a family member, and leave a review so more caregivers can find it.Support the show"Alzheimer's is heavy but we ain't gotta be!"IG: https://www.instagram.com/parentingupFB: https://www.facebook.com/parentingupYT: https://www.youtube.com/@parentingupTEXT  'PODCAST"  to  +1 404 737 1449  - to give J topic ideas, feedback, say hi!Be sure to leave us a review! 

Most people already have a long-term care plan. Yet they have never written it down, never funded it, and in many cases never said it out loud — it is simply the assumption that a son or daughter will step in when the time comes. Roughly 25% of U.S. adults do not have that assumption available to them. In Part 1 of her conversation with Scott Barnes, CFP®, CLTC, Director of Financial Planning at Childfree Wealth, host Kirsten Howe looks at what financial planning has to account for when there is no built-in safety net. Scott explains why disability and long-term care coverage move to the top of the insurance list while life insurance moves down, and why the hardest gap to fill is not the hands-on caregiving but the coordination — hiring the aides, running the schedule, getting someone to a doctor's appointment. He and Kirsten also get into the Die With Zero approach to spending intentionally, why planning software is not built for it, and the scarcity mindset that keeps people with more than enough money from spending any of it. Time-stamped Show Notes: 0:00  Introduction  1:05  Meet Scott Barnes, CFP®, CLTC — two decades in financial planning, plus a Certified in Long-Term Care designation. 2:05  Why Childfree Wealth exists: founder Dr. Jay Zigmont saw a gap in the market that nobody was serving. 3:00  Did you know? Roughly 25% of the U.S. is childfree — and the CFP curriculum never mentions them. 3:50  The definition matters: about 21% of people are childfree by choice, about 4% are childless by circumstance, and why Scott's team treats those groups differently. 5:05  What about people who haven't decided whether to have children? Listen as Scott talks about meeting clients where they are. 5:50  Kids are expensive — Scott's estimate for raising one to 18, and why geography changes the number. 7:00  No college fund, no 40-year grind: what "work-optional" actually looks like. 7:45 Why some of Scott's clients move states every two or three years — and skip buying a home entirely to keep that mobility. 9:05 Kirsten's addition: when kids aren't the focus, you're not planting yourself in the best school district you can afford. 9:40 Hobbies in the middle of a workday — Scott's cars, other clients' gardening and pottery — and the job flexibility that makes it possible. 11:00 The biggest planning assumption that changes: Bill Perkins' Die With Zero, and spending intentionally instead of building a legacy. 12:20 Every financial planning platform is built to maximize what you leave behind. None of them are built to help you spend it down. 13:20 Why Scott would rather give his nieces and nephews something in their twenties than leave it to them at 50. 14:40 Kirsten names the thing most families never say out loud: for a lot of people, the kids are the long-term care plan. 15:30 The childfree bingo card: "Who's going to take care of you when you get older?" 16:20 Disability and long-term care insurance move up the list. Life insurance moves down. 17:20 The part nobody budgets for: somebody still has to hire the caregivers and drive to the appointments. 18:40 Care coordination services: most policies now include an insurer-provided coordinator who finds home care or an assisted living facility for you. 19:30 Self-funding instead? Then the geriatric care manager is another cost on top. 20:15 Why waiting until a crisis costs the most: no transition, no shopping around, and care needed immediately. 21:00 Kirsten on Medi-Cal planning, and how many clients arrive only after things have already fallen apart. 21:50 "Soloists" — Scott's term for people aging without a partner or children — and why they need a funded plan, not an assumption. 22:40 Wealthy enough to self-insure, and still unwilling to spend a dollar of it. 23:15 Where the scarcity mindset starts: grandparents who lived through the Great Depression, and the habit passed down since. 24:10 "I know what your balance sheet looks like." The clients who will never run out and cannot stop worrying. 24:50 The window that matters: why your 40s and 50s is the time to buy, and what waiting until your 70s costs. 25:30 Coming next: estate planning for childfree adults. Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit https://absolutetrustcounsel.com/scheduling/ or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit Q2Mark.com.

Everybody in senior living is talking about the growth wave. Far fewer people are talking about how it actually gets paid for.Rachel Lynch leads the long term care division at First American Equipment Finance, a bank-owned equipment lessor and subsidiary of RBC. She spends her days inside capital budgets — which means she sees where the money is really going before most of the industry does.In this conversation, Rachel breaks down the three buckets absorbing senior living capital right now, why days cash on hand has suddenly become the metric boards keep circling, and how bond financing and equipment financing complement each other instead of competing. Plus the analogy that reframes the whole thing: would you finance your groceries into your mortgage?If you've ever watched a capital budget quietly disappear into "stuff" — the IT refresh, the furniture, the generator on a rainy day — this one's for you.Resources Mentioned:First American Equipment Finance (a subsidiary of RBC)Rachel Lynch on LinkedInLeadingAge events and conferences Guest Bio:Rachel Lynch leads the long term care division at First American Equipment Finance, a bank-owned equipment lessor and subsidiary of RBC that provides CapEx financing to organizations nationally. Like a lot of people in this field, Rachel will tell you senior living found her rather than the other way around. First American's healthcare team has served hospitals, health systems, and long-term care organizations for more than 25 years, and by 2023 there was a growing consensus internally that senior living had become a niche deserving its own dedicated focus. In the spring of 2024, Rachel said yes to building that practice alongside her colleague Brooke Prieston — and hasn't looked back since.Based in Western New York, Rachel spends much of the year on the road at industry conferences and LeadingAge events, working with nonprofit and for-profit organizations alike. Her favorite part of the job is the conversation before the financing: where is an organization's cash position today, where does it need to be in a few years, and which tools in the capital stack will actually get them there. Connect with Rachel on LinkedIn.

One overlooked estate planning decision can leave a family carrying consequences for years. In this deeply personal episode, Jim Fox shares the emotional story of his mother’s passing and how it shaped his approach to retirement and estate planning. From healthcare surrogates and beneficiary designations to legacy planning and family conversations, Jim explains why preparing important documents may be about more than assets alone. The discussion explores how thoughtful planning can help loved ones navigate difficult moments and better understand your wishes. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Are high interest rates really the problem, or are they creating opportunities retirees are missing? Steve Anzuoni breaks down inflation, housing costs, rising interest rates, and why today's economy may be stronger than many headlines suggest. He discusses making savings work harder, uncovering forgotten retirement accounts, planning for healthcare and long-term care expenses, and staying proactive with retirement income strategies. Plus, Steve explains a new approach to long-term care planning that is generating significant interest among retirees looking to protect their nest eggs while preparing for the future. 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.

Your primary care provider is doing their best. But there's something they may not be telling you — not because they're hiding it, but because they simply can't know everything.In this episode of Your Health University, Jamie Preston sits down with Scott Middleton — Founder and Chief Disruption Officer of Your Health — to talk about one of the most underutilized parts of the American healthcare system: specialty care. Scott shares real stories from the field that will make you rethink what you expect from your next appointment, including a patient who had been living in a nursing home for years without ever being offered a weight-loss medication that was available to her, and a lawsuit that turned on a single chest x-ray that no one thought to order.What you'll learn in this episode:Why your primary care provider legally cannot keep up with every new medication, treatment, and specialist recommendation — and what to do about itWhat GLP-1 medications are, who qualifies, and why so many eligible patients are never told they existThe standard of care around lung cancer screening for smokers — and why not knowing this can have life-altering consequencesHow to ask for a specialist referral (and what happens if your provider pushes back)Why behavioral health is one of the most under-accessed specialties in America — and how to change that for yourselfWhat "integrated care" actually looks like when it works — and what you deserve to expect from your healthcare teamYou are the CEO of your own health. This episode gives you tools to act like it. www.YourHealth.Org

Roger and Annie tackle a topic they've never covered before: the tax issues that come with aging, for clients and preparers alike. They break down the new senior deduction, Social Security claiming strategies across the 62/67/70 timeline, IRMAA appeals, RMD rules, and when long-term care costs are actually deductible. They close with a cautionary tale about gifting appreciated property too early and the recordkeeping every family should have in place before it's needed.SponsorsPadgett -  Contact Padgett or Email Jeff PhillipsGet NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CE for listening to this episode.Links mentioned in this episodeChapters(00:00) - Welcome and Forum Travel (00:59) - Listener Shoutouts and Podcast Origins (02:21) - Tax Talk Today Inspiration (04:23) - Senior Deductions and Filing Thresholds (07:51) - Social Security Tax Basics (08:48) - When to Claim Social Security (15:48) - Solvency Fears and Policy Fixes (20:21) - Medicare Premiums and IRMAA Appeals (22:29) - Retirement Plans and Inherited IRAs (24:57) - RMD Rules and Planning Ideas (27:29) - Long Term Care and Medical Deductions (28:25) - Senior Living Deductions (29:12) - Chronically Ill Criteria (30:35) - Spouses Insurance Statements (32:21) - Meals Fees Itemizing (34:38) - Facility Records Due Diligence (36:26) - Gifts vs Inheritance Basics (37:57) - Basis Step Up Valuations (41:43) - Estate Returns Advisory (43:32) - Gifting Appreciated Property (43:57) - Lake House Cautionary Tale (48:04) - Client Records Planning (51:01) - Bank Red Tape Death Certificates (54:21) - Advisor Role Wrap Up (55:25) - Podcast Closing Updates Follow the Federal Tax Updates Podcast on Social Mediatwitter.com/FedTaxPodfacebook.com/FedTaxPodlinkedin.com/showcase/fedtaxpodConnect with the Hosts on LinkedInRoger HarrisAnnie SchwabReviewLeave a review on Apple Podcasts or PodchaserSubscribeSubscribe to the Federal Tax Updates podcast in your favorite podcast app!This podcast is a production of Earmark MediaThe full transcript for this episode is available by clicking on the Transcript tab at the top of this pageAll content from this podcast by SmallBizPros, Inc. DBA PADGETT BUSINESS SERVICES is intended for informational purposes only.

Markets are entering a critical stretch as investors confront rising oil prices, renewed inflation concerns, higher Treasury yields, shifting expectations for Federal Reserve policy, and continued uncertainty over the direction of stocks. Lance Roberts & Danny Ratliff take your questions live and examine what the latest economic and market developments could mean for your money. 0:00 INTRO 1:01 - Market is hanging out - Going Nowhere Quickly 3:33 - Rise in Rate Hike Odds will Increase Pressure on the Fed? 7:05 - Too Loud? Too Old... 7:43 - Bessent: "I am the House" 9:19 - Dollar vs the Euro? 10:58 - High-risk, High-reward at 2% of Portfolio? 15:56 - What Dividend Sector is Safest for Building a Retirement Portfolio? Dividend Yield vs Fundamentals 17:50 - Stewardship of Capital issue - How to Find Strong Dividend Companies 20:21 - Doomed? Waiting for the Downturn (don't fall in love...) Valuations Matter 23:54 - Buying Puts as Insurance? Mistakes Most Make... 26:48 - Use of MIGA's for Income Component? 30:51 - Lifetime Income Annuities? 33:12 - Long Term Care insurance policies 35:20 - Worry About Market Volatility? 36:42 - What Moves is Berkshire Hathaway Making? (Google) 37:29 - What are alternative ways to hedge? (Puts vs Cash) 43:02 - What is the recommended percentage of cash in a portfolio? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, 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/cbnYs0Eoc0E?feature=share -------- Watch our previous show, "What Higher Bond Yields Mean for Your Portfolio" https://youtu.be/XWj6ghN3obM ------- Watch today's "Before the Bell" report, "Oil and Inflation Raise Market Risk," https://youtu.be/_ClOwNXFx3c ------- Articles mentioned in this report: "September Market Weakness: The Setup Has Teeth" https://realinvestmentadvice.com/resources/blog/september-market-weakness-the-setup-has-teeth/ "Investing Myths Dismantled (Chapter 4 of 5)" https://realinvestmentadvice.com/resources/blog/investing-myths-dismantled-chapter-4-of-5/ "Spock And The Logic Based Approach To Volatility" https://realinvestmentadvice.com/resources/blog/spock-and-the-logic-based-approach-to-volatility/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- 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/ #StockMarket #Inflation #OilPrices #FederalReserve #Investing #FinancialPlanning

Markets are entering a critical stretch as investors confront rising oil prices, renewed inflation concerns, higher Treasury yields, shifting expectations for Federal Reserve policy, and continued uncertainty over the direction of stocks. Lance Roberts & Danny Ratliff take your questions live and examine what the latest economic and market developments could mean for your money. 0:00 INTRO 1:01 - Market is hanging out - Going Nowhere Quickly 3:33 - Rise in Rate Hike Odds will Increase Pressure on the Fed? 7:05 - Too Loud? Too Old... 7:43 - Bessent: "I am the House" 9:19 - Dollar vs the Euro? 10:58 - High-risk, High-reward at 2% of Portfolio? 15:56 - What Dividend Sector is Safest for Building a Retirement Portfolio? Dividend Yield vs Fundamentals 17:50 - Stewardship of Capital issue - How to Find Strong Dividend Companies 20:21 - Doomed? Waiting for the Downturn (don't fall in love...) Valuations Matter 23:54 - Buying Puts as Insurance? Mistakes Most Make... 26:48 - Use of MIGA's for Income Component? 30:51 - Lifetime Income Annuities? 33:12 - Long Term Care insurance policies 35:20 - Worry About Market Volatility? 36:42 - What Moves is Berkshire Hathaway Making? (Google) 37:29 - What are alternative ways to hedge? (Puts vs Cash) 43:02 - What is the recommended percentage of cash in a portfolio? Hosted by RIA Advisors' Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, 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/cbnYs0Eoc0E?feature=share -------- Watch our previous show, "What Higher Bond Yields Mean for Your Portfolio" https://youtu.be/XWj6ghN3obM ------- Watch today's "Before the Bell" report, "Oil and Inflation Raise Market Risk," https://youtu.be/_ClOwNXFx3c ------- Articles mentioned in this report: "September Market Weakness: The Setup Has Teeth" https://realinvestmentadvice.com/resources/blog/september-market-weakness-the-setup-has-teeth/ "Investing Myths Dismantled (Chapter 4 of 5)" https://realinvestmentadvice.com/resources/blog/investing-myths-dismantled-chapter-4-of-5/ "Spock And The Logic Based Approach To Volatility" https://realinvestmentadvice.com/resources/blog/spock-and-the-logic-based-approach-to-volatility/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next in-person Retirement Income Workshop, "Saturday, September 19, 2026: https://tracking.realinvestmentadvice.com/l/1052953/2026-06-17/2kkcz --- 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/ #StockMarket #Inflation #OilPrices #FederalReserve #Investing #FinancialPlanning

What if the key to a more confident retirement isn't growing your nest egg, but turning it into reliable income? Kevin Madden explores why more retirees are revisiting annuities, how guaranteed income strategies may fit into a retirement plan, and the importance of creating dependable cash flow after the paycheck stops. The conversation also covers avoiding emotional investment decisions, preparing for unexpected early retirement, planning for long-term care expenses, and building a written retirement income plan that aligns with your goals and lifestyle. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Could an annuity deserve a second look in today’s retirement landscape? Christian McPherson discusses why more retirees are exploring annuities, how guaranteed income fits into a broader financial strategy, and the importance of understanding both benefits and tradeoffs. He also examines retirement planning for adults without children, covering estate documents, long-term care considerations, healthcare decisions, and creating a legacy that reflects your values. Along the way, Christian shares wisdom from Dolly Parton on purpose, work, and leaving a meaningful impact. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Most families don't know what skilled nursing actually is until the moment they desperately need it — and by then, the system feels impossible to navigate. Joy Patterson has spent 25 years inside that system. She's here to change what you think you know about it.In this episode, Jamie sits down with Joy Patterson, VP of Skilled Nursing Facilities at Your Health, for a straight-talking conversation about what skilled care really looks like, why it's constantly misunderstood, and what separates facilities that deliver exceptional outcomes from the ones that fall short.Key topics covered:Why "we have great relationships" no longer wins hospital referrals — and what C-suite administrators are actually asking forHow avoidable hospitalizations happen, and the clinical interventions that prevent them before a cough becomes pneumoniaThe staffing crisis hitting skilled nursing hardest, and how embedded partnerships change the equationWhat value-based care actually means at the bedside — and why it has nothing to do with cutting cornersThe questions every skilled nursing administrator should be asking a physician partner (but mostly aren't)Why physical presence inside a facility — not remote support — is the single biggest factor in better outcomes for residents and familiesWhether you're a healthcare professional, a family member navigating a loved one's transition, or a Your Health team member building fluency in the landscape — this episode gives you a clearer picture of what excellent skilled care looks like, and why it matters more right now than it ever has before. www.YourHealth.Org

Long-term care can shift from a distant concern to an immediate financial decision faster than many families expect. It can begin with a few hours of help at home and progress to assisted living, memory care, skilled nursing, or around-the-clock support. Each stage brings different costs, care needs, and family decisions.In this episode of A Wiser Retirement® Podcast, Casey Smith and Grace Pavel break down what long-term care can actually look like and how families can prepare for it.Related Podcast Episodes: Ep 276. How to Make Sure You're Ready for RetirementEp 245. Strategies for Early Retirement and Long-Term SecurityRelated Financial Education Videos:How to Plan for Long Term Care Without Breaking the BankLong-Term Care Insurance ExplainedLearn More:Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!Stay Connected:Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | TwitterSubscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes. This podcast was produced by ...

Every September, the insurance industry runs Life Insurance Awareness Month — and most of the advice sounds the same: buy term, protect your family, don't wait. That advice is correct. It's also, at best, half the story.Life insurance has two entirely different jobs depending on where you are in life. For a young parent with a mortgage and a new baby, it's the thing standing between "we'll be okay" and financial free-fall. For a business owner who's spent decades building something real, it's a liquidity and legacy tool that has almost nothing to do with dying too soon and everything to do with protecting what's already been built. Most people only ever hear about the first version. This episode covers both — plus a living-benefit feature almost nobody explains correctly, and the reason you should be skeptical the moment someone tells you they've "properly structured" your policy.By the numbers:Roughly 100 million American adults are uninsured or believe they need more life insurance coverage (LIMRA & Life Happens, 2025–2026 Insurance Barometer Study).Healthy young adults overestimate the true cost of term coverage by 10–12 times.Estate taxes are typically due within 9 months of death — often with little cash on hand to pay them.The average life insurance coverage gap is approximately $200,000 per U.S. household.The Foundation: What Term Life Actually Solves (~1:30)For young families, term life insurance isn't complicated and it isn't expensive — it's one of the most misunderstood products in personal finance, largely because people wildly overestimate what it costs. David breaks down why term, not whole life, is the right starting point for most families, how to calculate a real coverage number instead of relying on a lazy "10x income" rule, and the three mistakes that quietly leave families underinsured: relying on employer coverage alone, never revisiting the policy after major life changes, and cutting coverage because of sticker shock instead of shopping it properly."A healthy 35-year-old can often get $1,000,000 of 20-year term coverage for the cost of a streaming subscription or two per month."The Living Benefit Nobody Explains Correctly (~8:00)Here's the part of the episode that surprises almost everyone: modern life insurance can pay out while you're still alive. Drawing on his CLTC (Certified in Long-Term Care) designation, David explains how a long-term care or chronic illness rider lets you access a portion of your death benefit if you survive a stroke, a serious diagnosis, or another disabling health event — the kind of moment traditional life insurance does nothing for, because nobody died. This isn't a retiree-only conversation; it's relevant the moment you have a family depending on your income."Don't just ask 'how much life insurance do I have?' Ask 'what happens if I get sick and don't die?'"Not sure what's actually in your policy? If you don't know whether your coverage includes living benefits — or whether it still fits your life — that's a five-minute conversation, not a five-month project. Book your free Vision Call.When Life Insurance Becomes a Business Strategy (~14:30)For business owners, life insurance stops being a safety net and starts being a strategic tool. This segment covers two scenarios every co-owned business needs to plan for: a properly funded buy-sell agreement that lets a surviving owner keep control of the business instead of unexpectedly co-owning it with a deceased partner's estate, and key-person insurance that funds the runway to recover if someone critical to revenue is suddenly gone."If my partner died tomorrow, what happens? In most cases, their ownership stake doesn't just evaporate."Estate Liquidity: The Wealth Trap Nobody Warns You AboutYou can be genuinely wealthy and still face a liquidity crisis the moment you die. When a large share of net worth is tied up in a business, real estate, or concentrated stock, an estate tax bill can come due with almost no cash available to pay it — forcing a rushed sale of assets at a discount. David explains how life insurance, often held inside an irrevocable trust, creates exactly the liquidity needed to pay that bill without touching the underlying assets — and how it can be used to equalize an inheritance when one child takes over the business and the others don't.Curious how ready your business actually is for a transition? Get your free Sellability Score.The "Properly Structured IUL" Red Flag (~21:00)Permanent insurance — including indexed universal life (IUL) — has a legitimate use as a tax-advantaged savings and growth vehicle, for the right person, in the right situation. But David draws a hard line around a specific phrase circulating on social media: "properly structured IUL." If someone leads with that phrase, treat it as a warning label, not a credential. This segment covers what illustrated vs. guaranteed rates actually mean, why "no market losses" isn't the whole picture, and the one question to ask before you ever sign an IUL application."When someone leads with the phrase 'properly structured,' that's usually the tell, not the reassurance."Frequently Asked QuestionsHow much life insurance do I actually need?A useful starting framework is DIME — Debt, Income, Mortgage, Education — which totals what it would take to eliminate debt, replace income for a meaningful runway, pay off the house, and fund your kids' education. It's a strong starting point, but a real needs analysis that reflects your specific family and goals will always beat a formula.What's the difference between term and permanent life insurance?Term life covers you for a defined window at a much lower cost. Permanent insurance (whole life or IUL) lasts your entire life and builds cash value, but costs significantly more and serves a different purpose: savings, estate liquidity, or wealth transfer rather than pure income replacement.What is a long-term care or chronic illness rider?It's a feature that lets you access a portion of your death benefit while you're still alive if you experience a qualifying health event — a stroke, a serious diagnosis, or a need for long-term care. It addresses a risk traditional life insurance ignores entirely: surviving, but with a serious financial disruption.What is a buy-sell agreement and why does my business need one?A buy-sell agreement is a contract, funded by life insurance, that determines what happens to a business owner's stake if they die. Without one, that ownership stake typically passes to the deceased owner's spouse or estate — leaving the surviving owner unexpectedly co-owning the business with someone who may not want to run it, and may need cash instead.Is "properly structured IUL" a real thing, or a red flag?IUL can be a legitimate planning tool, but the phrase itself — used as a blanket reassurance on social media — is usually a sign to slow down. The real question isn't whether it's "structured properly," it's whether you've seen the guaranteed rate, not just the illustrated one, and whether the person recommending it is held to a fiduciary standard.Wherever you landed in this episode — that's exactly what a Vision Call is for. Whether you need your first policy or a real review of what you already have, it's a free 20-minute conversation, not a sales pitch. Book your free Vision Call.

For families caring for a loved one with dementia, deciding when home care is no longer enough is rarely simple. The signs are often gradual — a missed medication here, a stove left on there — and knowing when to seek more support, whether through in-home help, adult day care, or a residential community, can feel overwhelming without a clear framework for how to approach it.Cory Fosco has spent 34 years working in long-term care, with experience in social work, admissions, skilled nursing, senior care, and health care technology. He is the author of “The Question of When: A Practical Guide to Knowing When It's Time for Assisted Living, Memory Care, or Skilled Nursing.”In this conversation with Being Patient's Mark Niu, Fosco discussed the safety, medical, and social signals that suggest a person with dementia may need a higher level of care, and why families so often wait until a crisis forces their hand. He broke down the range of care options, from in-home help and adult day care to assisted living, memory care and skilled nursing, and shared what to look for, and which questions to ask, when touring a community. Fosco also addressed common misconceptions about Medicare and long-term care costs, and offered guidance on how families can build a foundation now so they aren't forced into a rushed decision later.----If you loved this Live Talk, visit our website to find more of our Alzheimer's coverage and subscribe to our newsletter: https://www.beingpatient.com/Follow Being Patient: Twitter: https://twitter.com/Being_Patient_Instagram: https://www.instagram.com/beingpatientvoices/Facebook: https://www.facebook.com/beingpatientalzheimersLinkedIn: https://www.linkedin.com/company/being-patientBeing Patient is an editorially independent journalism outlet for news and reporting about brain health, cognitive science, and neurodegenerative diseases. In our Live Talk series on Facebook, former Wall Street Journal Editor and founder of Being Patient, Deborah Kan, interviews brain health experts and people living with dementia. Check out our latest Live Talks: https://beingpatient.com/live-talks/

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 #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport 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 #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee 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 #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Long-term care coverage is an essential, yet often misunderstood, aspect of retirement planning in the United States. Although many people will require some form of long-term care as they age, most are unprepared for the high costs and limited coverage options available. On the show this week, I'm debunking common myths like the notion that Medicare will fully cover all long-term care costs and taking a deep dive into the four main ways retirees can pay for these expenses.    You will want to hear this episode if you are interested in... 00:00 Understanding the options for long-term care help 03:10 The difference between Medicare and Medicaid 05:07 Spouse asset protection options 09:15 Understanding hybrid policy benefits 13:24 Hybrid vs. traditional long-term care 19:25 Long-term care insurance application process   Understanding Medicare's Limitations There is often a misconception that Medicare covers long-term care. In reality, it's split into two primary parts: Part A, which covers some costs for hospital stays, and Part B, which addresses preventative care such as doctor visits and certain procedures. While Medicare may pay for medically necessary hospital stays—such as those following an injury like a broken hip—it stops covering the costs when ongoing care is no longer deemed medically necessary. Extended or custodial care, where you need help with daily living activities but do not require intensive medical treatment, is not included under standard Medicare coverage. This leaves retirees exposed to significant out-of-pocket expenses once hospital-based care ends.   The Four Main Options for Long-Term Care Coverage There are four primary payment strategies for long-term care. Each option has its benefits and limitations, and selecting the right one depends heavily on individual circumstances.   1. Medicaid Medicaid is a needs-based program designed for individuals with low income and limited assets. To qualify, applicants must pass specific income and asset thresholds, which, for single individuals, often means owning less than $2,000 in assets. Married couples have more leeway—the "community spouse" can usually retain a higher amount of assets and income. Medicaid planning may involve establishing a qualified income trust or transferring assets into an irrevocable trust. It is important to note that most states enforce a five-year look-back period for asset transfers, meaning that gifts or transfers must occur at least five years before the Medicaid application to be effective.   2. Self-Insuring Self-insuring is also an option, which involves setting aside personal assets, such as retirement savings or home equity, to pay for potential care needs. This method offers autonomy but carries risk, especially given the high and regionally variable costs of care. Depending on where you live, full-time nursing care can average over $15,000 per month, and home care or assisted living can still cost tens of thousands of dollars per year. Planning ahead is critical, particularly for couples, to ensure one spouse's care does not financially imperil the other.   3. Hybrid Long-Term Care Policies Hybrid long-term care insurance policies have emerged that combine life insurance with long-term care coverage. These products provide either long-term care benefits or a death benefit to your estate, ensuring that money paid into the policy is not "lost" if long-term care is never needed. Hybrid policies tend to offer flexible payout options and the potential for locked-in premiums, but they may provide less coverage per premium dollar when compared to traditional policies.   4. Traditional Long-Term Care Insurance Traditional long-term care insurance remains an option for those prioritizing higher benefit payouts. While these policies can stretch benefit pools further, they don't usually offer death benefits, and their premiums are not guaranteed—they can increase over time and may eventually become unaffordable. Underwriting is also stringent: many applicants over 70 are denied coverage, and certain medical conditions result in automatic disqualification. Making the Right Choice for You and Your Family You need to balance protecting personal assets, securing a spouse's future, and managing premium costs. Retirees should honestly assess their health, financial circumstances, and family situation. Consulting a financial advisor or insurance professional can help tailor a long-term care strategy that minimizes risk while supporting a comfortable and dignified retirement. Planning now, rather than later, ensures you are prepared for whatever the future may bring—and that you and your loved ones have peace of mind.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss long-term care, one of the topics that comes up most often with clients, including those who have saved well and still want a clear plan for it. They break down what long-term care actually means, why it's not the nursing-home picture most people assume, and how continuous care retirement communities and in-home care both fit into real financial planning.Listen in to learn about the two hybrid approaches available today for funding long-term care, a life insurance policy with a built-in long-term care benefit and a long-term care annuity, and why the tax treatment on each one matters more than most people realize when it comes to protecting retirement savings.In this episode, find out:What long-term care actually means, based on the technical definition of needing help with two out of six activities of daily livingWhy continuous care retirement communities offer an independent, resort-style option most people don't expectWhy Medicare does not cover long-term care, and what gap that leaves in a retirement planHow a life insurance policy with a long-term care rider can provide either a tax-free death benefit or tax-free care funding, depending on what happensHow a long-term care annuity works, including the typical two-to-three-times benefit multiplier and tax-free withdrawals for qualifying careTweetable Quotes:"The technical definition of long-term care is that you have someone that cannot perform two out of the six activities of daily living." - Radon Stancil"If you don't use the money, if you don't go into long-term care and you end up passing away, there's still a benefit that goes to the beneficiaries." - Murs Tariq (flagged for audio verification before publishing per standard compliance check)Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

By 2030, one in five Americans will be 65 or older, and by 2034, older adults will outnumber children for the first time in U.S. history. About three in four adults over 50 want to age in their communities, in their homes, with their family and friends. That shift brings real challenges. How do you keep older adults safe at home when they face cognitive decline or balance problems? How do you build and sustain community in long-term care facilities, especially when they are short-staffed and money is tight? How do you know which technologies are worth investing in for aging parents, ones that are effective and safe without adding stress? As we work out which questions to ask and how to answer them, more companies and health care systems are turning to nurses. That makes sense. Nurses are uniquely positioned to lead and innovate in long-term care. Through both personal and professional experience, they sit closest to the gaps in care and the daily challenges. They are also closest to patients, so they know what will work and how. And they are building the technology and designing the solutions that foster human connection and help people of all ages thrive. In this episode, we meet three nurses building that future. Cami Peterson-DeVries, DHA, AGNP, LNHA, MSN, VP of Senior Services at St. Francis Health Services of Morris, is bringing robots and smart-room technology to her 14 nursing homes.  Roschelle "Shelly" Fritz, Ph.D., R.N., F.A.A.N., develops nurse-driven AI and smart homes for aging in place. Shu-Fen Wung, Ph.D., M.S., R.N., A.C.N.P.-B.C., F.A.A.N., studies wearable and radar sensors for fall detection and responsible AI. Together, they show a wide-open, nurse-shaped frontier where technology extends human connection at every touchpoint. Learn more about See You Now. Visit the ANA Innovation website for additional resources. https://www.nursingworld.org/practice-policy/innovation   Have questions or feedback for the SEE YOU NOW team? Future episode ideas? Contact us at hello@seeyounowpodcast.com.  Resources Cami Peterson-DeVries, work anniversary profile, St. Francis Health Services of Morris: https://sfhs.org/news/celebrating-cami-peterson-devries-18-year-work-anniversary/  Shu-Fen Wung faculty bio, Betty Irene Moore School of Nursing at UC Davis: https://health.ucdavis.edu/nursing/ourteam/faculty/shu-fen-wung-bio.html  Roschelle Fritz faculty bio, Betty Irene Moore School of Nursing at UC Davis: https://health.ucdavis.edu/nursing/ourteam/faculty/roschelle-fritz-bio.html  Healthy Aging in a Digital World initiative, UC Davis: https://bigideas.ucdavis.edu/healthy-aging-digital-world  Fritz RL, Dermody G. "A nurse-driven method for developing AI in 'smart' homes for aging-in-place." Nursing Outlook, 2019: https://pubmed.ncbi.nlm.nih.gov/30551883/  Same paper, full text: https://pmc.ncbi.nlm.nih.gov/articles/PMC6450732  Dermody G, Fritz R. "A conceptual framework for clinicians working with AI and health-assistive smart homes." Nursing Inquiry, 2019: https://pubmed.ncbi.nlm.nih.gov/30417510/  Fritz R, et al. "Nurse-in-the-loop smart home detection of health events." IJNS Advances, 2022: https://doi.org/10.1016/j.ijnsa.2022.100081  Smart-home pain-behavior detection study, JMIR, 2020: https://doaj.org/article/ad95b9ac80a94639b9dbc3b2a211b978  Wung author profile and publication list (includes 2026 responsible-AI paper): https://sciprofiles.com/profile/725636  "Wearable Technologies for Health Promotion and Disease Prevention in Older Adults," JMIR, 2025: https://www.jmir.org/2025/1/e69077  KFF, "Long-Term Care in the United States: A Timeline": https://www.kff.org/medicaid/long-term-care-in-the-united-states-a-timeline/  National Academies, "The National Imperative to Improve Nursing Home Quality," Ch. 2: https://www.ncbi.nlm.nih.gov/books/NBK584647/  Next Avenue, "How'd We Get Here? The History of Nursing Homes": https://www.nextavenue.org/history-of-nursing-homes/  American Scientist, "The Evolution of the Nursing Home": https://www.americanscientist.org/article/the-evolution-of-the-nursing-home  ASPE (HHS), "Lifetime Risk of Needing and Receiving Long-Term Services and Supports": https://aspe.hhs.gov/reports/what-lifetime-risk-needing-receiving-long-term-services-supports-0  Singlecare LTC statistics roundup (pointer to ASPE, KFF, WHO primaries): https://www.singlecare.com/blog/news/long-term-care-statistics/  U.S. Census Bureau, Demographic Turning Points (one in five Americans 65-plus by 2030): https://census.gov/library/publications/2020/demo/p25-1144.html  U.S. Census Bureau, older adults projected to outnumber children by 2034: https://www.census.gov/library/stories/2019/12/by-2030-all-baby-boomers-will-be-age-65-or-older.html   

Most people think occupational therapy is what happens after something goes wrong. Tyler Broome is here to tell you that's exactly the framing that's costing patients their independence. In this episode of the Your Health University Podcast, Jamie sits down with Tyler Broome, a Certified Occupational Therapist Assistant at Your Health, to explore what OT actually is, how it fits into a truly integrated care model, and why the therapy team often sees the earliest signs of decline — before anyone else on the care team does. Tyler brings a uniquely grounded perspective, shaped by a baseball career, a grandmother's fall, and years of working inside the homes of real patients. He articulates something most healthcare systems have yet to fully grasp: that medical outcomes and functional outcomes are deeply connected, and that a care team working in silos is a care team leaving gaps. In this episode: Why occupational therapy is defined by daily function — bathing, dressing, meal prep, medication management — not just physical recovery How OT's presence in the home gives the care team "functional health intelligence" no clinic visit can replicate The difference between saying your system is integrated and actually delivering integrated care Two real patient stories where early cross-disciplinary communication prevented a crisis from becoming a catastrophe Why the shift to value-based care makes therapy's role not just important — but essential If you work inside the Your Health system — or if you've ever wondered what the therapy team actually contributes — this conversation will change how you think about the care happening around your patients every day. www.YourHealth.Org

Welcome to our August episode of “Caregiving Club On Air” podcast (S6, Ep 73) hosted by Sherri Snelling, corporate gerontologist, author and CEO of the Caregiving Club.On this episode we are highlighting the upcoming September 13-19 National Assisted Living Week with our expert guest, Cory Fosco, author of “The Question of When – A Practical Guide To Knowing When It's Time For Assisted Living, Memory Care or Skilled Nursing.”Sherri discusses the following topics with Cory that help family caregivers to prepare to care and also what information they need from those important family conversations around long-term-care plans:·       Many Americans unfortunately believe that Medicare will cover long-term care costs for assisted living for nursing home – also known as skilled nursing facility. Let's review what Medicare does and does not cover. Also, people confuse Medicare and Medicaid so Cory provides a detailed overview of how both programs work and what families need to know.·       Maybe even more important than choices in long-term-care communities is the cost – Cory and Sherri discuss the difference in costs for various senior living options and also provide some great resources to help you research costs.·       Cory reviews a checklist of questions family caregivers should ask their older loved one and also the long-term-care community administrators to help make informed choices.·       The fragmentation and numerous data points families need to make the best choice in long-term care services and communities means not waiting for the crisis when there is no time to plan ahead and especially to save the amount of money needed. It is critical to have the conversation sooner rather than later – Sherri and Cory discuss why this is important for the financial wellness of family caregivers.·       Cory warns that sometime the decision for an older loved one to move into senior living is about the health of the caregiver. Suffering from burnout and health issues of trying to keep your loved one at home with no help can be another reason families need to know the scope of senior care when making these important decisions.WATCH THE PODCAST ON YOUTUBE HERE: https://youtu.be/jJq1XAxlpAUThank you for making “Caregiving Club On Air” #3 on the list of top 80 caregiving podcasts!Subscribe on your favorite listening channel or our YouTube channel. Learn more on our episode guide page on the Caregiving Club website: caregivingclub.com/podcast/Take care and stay well!

Trump's decision to hike Canada auto tariffs to 50% after trade talks collapsed marks one of the most aggressive moves yet in the ongoing US-Canada trade war. We explain how this reshapes auto supply chains, raises car prices for American consumers, and what the broader tariff escalation signals for North American economic integration.Today's Stocks & Topics: The Hershey Company (HSY), Market Wrap, DICK'S Sporting Goods, Inc. (DKS), Memory Squeeze, Gold, Trade War 2.0: Canada Auto Tariffs Hit 50% and What It Means for Your Wallet, Target Corporation (TGT), Blue Bird Corporation (BLBD), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, KPP Newsletter, Long Term Care in Retirement.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Quince and use my code quince.com/INVEST for a great deal: https://www.quince.comAdvertising Inquiries: https://redcircle.com/brands

Long-term care residents don't give up their rights when they move into a nursing home or assisted living facility, and that includes their right to vote. In this episode, we break down what laws and regulations protect residents, the barriers residents commonly face when voting, and how residents, families, and advocates can ensure residents are able to access their right to vote. With midterm elections coming up, we discuss what facilities should be doing to help ensure this election season goes smoothly, and we talk about best practices when it comes to voting. We also highlight resources that Consumer Voice has available to residents, families, and advocates on our webpage. You can find these resources by visiting https://theconsumervoice.org/voting-rights/.

The biggest threat to your farm's legacy isn't the bank — it's an unplanned long-term care event. In this episode, Mary Jo Irmen sits down with long-term care expert Michelle Prather, author of Who's Wiping Your Assets?, to unpack why modern long-term care insurance is nothing like the outdated "flip phone" policies you may be picturing. Michelle breaks down the reality most families ignore until it's too late: there's a 91% chance you or your spouse will need care — and care today can run $8,000 to $15,000 a month, fast liquidating the very assets you spent a lifetime building. For the agriculture community — often "land rich, cash poor" and laser-focused on legacy — the stakes are even higher. You'll learn: - Why long-term care isn't just for the elderly — cancer, strokes, and farm accidents don't check your age first - The difference between old rigid policies and new flexible ones (including home care and caregiver respite) - How to fund coverage tax-efficiently using IRA distributions or cash-value life insurance — sometimes saving six figures versus paying premiums traditionally - Why lifetime coverage matters, especially for couples and women - The critical reason you must plan before a crisis — as Michelle puts it, "my house is already on fire" is no time to shop for coverage Long-term care isn't about nursing homes. It's about protecting your assets, your family, and your dignity — so the next generation inherits the farm, not the bills. Get the book: https://FarmingWithoutTheBank.com  Email: MaryJo@WithoutTheBank.com  Schedule an appointment with Michelle: https://link.captivationhub.com/widget/bookings/without-the-bank-care-income-planning Chapters: 00:00 Introduction 00:46 Meet Michelle Prather — Long-Term Care Expert 01:15 Why Long-Term Care Planning Matters for Farmers 02:30 Premium Examples: What Coverage Actually Costs 05:00 Payment Options: Single-Pay vs. 10-Pay vs. 20-Pay 07:30 What Triggers a Long-Term Care Payout 14:56 Lifetime Coverage vs. Limited Benefit Periods 25:00 Old "Flip Phone" Policies vs. New Flexible Policies 29:45 Why Having a Good Agent Matters 34:59 Are Long-Term Care Premiums Tax-Deductible? 37:59 Funding Premiums with IRAs & Annuities 43:50 The Death Benefit in New Policies 48:50 Health Conditions & Eligibility: When It's Too Late 53:00 Elimination Periods & Paying Family for Care 1:04:45 Premium Waivers & Joint Policies 1:07:00 Long-Term Care for the Wealthy 1:15:52 Long-Term Care with Limited Assets & Medicaid 1:24:58 Paying Premiums with Cash-Value Life Insurance 1:41:27 Michelle on Working with the Farming Community 1:49:30 Final Thoughts & Contact Info

Are you prepared for the complexities of a high-value retirement? In this episode of Allworth's Money Matters, Scott and Pat break down real-world case studies for a $3M+ retirement, specifically focusing on the math behind long-term care, the tax implications of early inheritances, and a powerful framework for tax efficiency known as the "3 C's." In this episode, Scott and Pat discuss: The Long-Term Care Dilemma: They analyze a $3.7M case study where the caller is retiring abroad. Does she actually need long-term care insurance, or can she "self-insure"? Scott and Pat explain the "elimination period" strategy that could save thousands in premiums. Managing Early Inheritances: Using a $3.3M case study, Scott and Pat explore the pros and cons of buying a home for your children. They discuss how to manage early inheritances without creating family "real estate wars" or triggering unnecessary IRA taxes. The "3 C's" Strategy: Allworth partner advisor Ben Abraham joins the show to reveal a strategy for maximizing tax efficiency by balancing stock concentration and charitable giving to fuel massive Roth Conversions.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.