Loading page
Preparing the next route.
Keeping the shell stable until the next section bundle is ready.
Back to Services
Protection & Risk Management
Protecting What You Built So It Reaches Who It's Meant For
Risk management, liability review, healthcare cost planning, and long-term care conversations grounded in reality.
A 65-year-old couple has a 70% chance that at least one spouse will need long-term care. The median cost of a private room exceeds $108,000 per year. Hoping this doesn't happen is not a plan.
Field Note
The Risk Nobody Wants to Discuss
70%
chance at least one spouse needs long-term care
$108K+
median annual cost of a private nursing room
Wealth preservation is about protecting the harvest from the threats that do not show up on a portfolio statement. Healthcare costs that spike unexpectedly. A long-term care event that drains assets over three, five, or ten years.
Liability exposure from property, vehicles, or business interests. Gaps in insurance coverage that seemed fine at 50 but are dangerous at 70.
We approach wealth preservation the same way we approach everything else: with math, not emotion. We model the cost of self-insuring long-term care versus transferring the risk. We review Medicare coverage options and help clients make decisions based on their specific health profile, not whatever mailer arrived in the mailbox.
This is the part that prevents a single bad event from unwinding everything else. Wealth preservation protects the structure itself.
Long-Term Care Strategy
Four Funding Options. Analyzed With Your Numbers.
Decision framework, not product push. We model each approach against your actual situation before any recommendation is made.
01
Self-Insure
Keep assets liquid and cover costs from the portfolio. Works when the asset base is large enough to absorb a multi-year care event without plan failure.
02
Traditional LTC Insurance
Premium-funded coverage for care costs. Analyzed for benefit triggers, inflation protection, elimination periods, and carrier stability.
03
Hybrid Life/LTC Products
Life insurance or annuity with a long-term care rider. Death benefit if care is never needed. Care funding if it is. Both outcomes are covered.
04
Medicaid Planning
For clients who need to plan around Medicaid eligibility — asset protection trusts, spend-down strategies, and coordination with elder law counsel.
What's Included
Healthcare Cost Planning
Long-Term Care Strategy
Liability & Insurance Review
Asset Protection
Who This Is For
01
Healthcare Cost Planning
Medicare strategy (Original vs. Advantage, Medigap selection, Part D optimization), HSA utilization, and IRMAA avoidance — coordinated with the tax plan, not separate from it.
02
Long-Term Care Strategy
Four funding options analyzed with your numbers: self-insure, traditional LTC insurance, hybrid life/LTC products, and Medicaid planning. Decision framework, not product push.
03
Liability & Insurance Review
Umbrella coverage, property and casualty audit, life insurance needs analysis, and elimination of coverage you no longer need. Every policy should still have a job.
04
Asset Protection Coordination
Titling review, trust funding verification, and coordination with your counsel when you have one — or support through our referral network — to help keep assets structured for protection from creditors, lawsuits, and probate exposure.
Who This Is For
Best for households that want healthcare, long-term care, liability, and titling reviewed with math — so one shock cannot unwind the rest of the plan.
Other Services
View All Retirement Income Planning
Investment Management
Tax Strategy & Roth Planning