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Couples who have been together for decades may feel like they already know retirement and long term care planning essentials. After all, it seems like a straightforward task, right? However, planning for these two aspects are far from being simple. It is an ongoing process that requires teamwork and even a little help from others…. read more

Using this long term care planning checklist can help many older Americans face reality: Knee-deep in long term care expenses that they need to drain their savings and assets just to make up for the costs. Another unfortunate reality is that many of the younger baby boomers following their footsteps still have no retirement savings… read more

Long term care insurance vs self-insuring is one of the issues that people consider before retiring. While some individuals choose to buy a traditional long term care insurance policy, some might get more advantages out of self-insurance.   Traditional Long Term Care Insurance vs Self-insuring Self-insurance refers to funding the expenses of long term care… read more

Are you one of those baby boomers who will eventually become elder orphans? These are people who don’t have spouses, adult children or companion they can rely on assistance, company and care especially in the latter part of their lives. In other words, they age in place alone.   Are You an Elder Orphan? Here’s… read more

Here’s the one truth we can no longer avoid: Retirement is fast approaching for the youngest of the baby boomers, and yet many are still far from being ready for it. Yes, many are at a loss at how to handle these issues. After all, the retirement concerns baby boomers face seem too impossible to… read more

Last Updated On:   The youngest of the baby boomers are just a few short years from turning 65. However, the ongoing changes and the obvious struggles of the ones who retired before them have left the younger boomers hesitant to take the step. Perhaps, one of the biggest concerns on their minds right now… read more

Here’s what you are up against: Retirement expenses have sky-rocket to levels that are nearly impossible for many Americans to afford without any help. Comfortable retirement now appears to be a luxury that only the ultra rich can afford with ease. In fact, reports show that you would need $350,000 just to cover health care… read more

Delayed retirement is increasingly becoming popular among baby boomers, and it is primarily because of two reasons:   Longevity and the lack of retirement savings.   As many of you are aware of by now, turning 65 years old opens us to a great deal of uncertainty. Many are living longer lives than they initially… read more

The reality in the United States is this:   Baby boomer retirement is on the verge of a crisis: many are still have no retirement savings, the older ones have run out of money funding their long term care costs, and the younger ones are at a loss of ways to plan effectively.   So,… read more

Purchasing a long term care insurance policy is a necessity for many baby boomers at this point. However, the one question that remains in their minds: “What do we do about the substantial problems which come with securing this type of coverage?” We all know that the long term care is too expensive to fund… read more