Cover the cost of care,
without unwinding the rest of the plan.
Long-term care is the single biggest unplanned expense most retirees face. We help families build a plan, traditional LTC insurance, hybrid policies, annuity riders, or self-funding, so care costs don’t unravel everything else you’ve built.
Most families don't talk about long-term care until they have to. By then, the options have narrowed and the cost has gone up. We start the conversation earlier, when there are still real choices on the table.
We help Northern Suburbs families think through traditional long-term care insurance, hybrid life-and-LTC policies, annuity riders that cover care, and the self-funding math. The right answer depends on your health, your assets, and what you want for the people who'll be there if you need help.
Everything that
actually moves the plan.
Built around your life
Most families don't talk about long-term care until they have to. By then, the options have narrowed and the cost has gone up. We start the conversation earlier, when there are still real choices on the table.
Our approach
We start with the real numbers in Illinois. A semi-private nursing home room runs about $7,500 to $9,000 a month. Home care runs $25 to $35 an hour. We project those costs forward and look at what your assets, income, and family can actually absorb.
The details that matter
From there, we compare the tools. Traditional LTC insurance, hybrid policies that pay a death benefit if you don't need care, annuities with care riders, and a thoughtful self-funding plan. We tell you what each one costs, what it covers, and where the gaps are.
Why us
We don't sell one carrier's product. We compare what's available across the market and explain the trade-offs in plain language.
A firm built for this.
We don't sell one carrier's product. We compare what's available across the market and explain the trade-offs in plain language.
We've helped families through actual care events. We know what holds up and what doesn't when a policy gets filed, when a family member needs help fast, when the math gets real.
Honest answers.
What does long-term care actually cost in Illinois?
Illinois averages run roughly $7,500 to $9,000 per month for a semi-private nursing home room, $9,000 to $12,000 for private, and $25 to $35 per hour for in-home care. Memory care and the North Shore market push higher. We project these costs forward so you can see what a 2 to 5 year care event actually does to a retirement plan.
Is long-term care insurance worth it?
It depends on your health, your assets, and your alternatives. Traditional LTC insurance works well for families in a specific asset band, enough to need protection, not so much that self-funding is obvious. Hybrid policies have become popular for families who want care coverage with a death benefit if they don't use it. We compare both against your actual numbers.
What's a hybrid long-term care policy?
A hybrid policy combines life insurance or an annuity with a long-term care benefit. If you need care, the policy pays for it. If you don't, your beneficiaries get a death benefit. Premiums are usually paid as a single lump sum or over a fixed period. Many families like that there's a guaranteed return whether or not care is needed.
Common questions about long-term care planning.
Long-Term Care Planning in your
community.
Let’s build the plan.
One free conversation. We’ll look at where you are and show you what a real plan looks like.