LUHU Advisors

Is it fair that you would have to dip into your retirement funds to pay for your parent’s care? I have seen this happen too many times. Why not protect your income and assets when you can, not wait until it’s too late. The planning should start early on before retirement, and before things start to happen health wise or financially.
I can help come up with a plan to protect your family from wiping out their assets.
Call me, text me, DM or email me.

Self fund/Self Insure?? Is that the smartest thing to do? Did you have sit down and see the leverage you can get from using insurance to be for the care you might need when you get older? And if you do not use the insurance, it can be left to your beneficiary. For a better understanding, you can call me, text or email me and let’s discuss your situation.

Why not see if you even can qualify for Long Term Care Insurance? You would be surprised at the policies offered today that would cover people with health issues. There is even one today that will cover you even if everyone else turns you town. I wish that policy was around when we applied for my dad at age 79, which was 17 years ago. So reach out to me and let me see if you can qualify today. It’s worth a conversation.

They used to say “It takes a village” to be able to give the support needed for the family. Today we just call it your Support Team. I saw first hand how it takes a group of professionals to take care of the needs of a loved one. Having gone through this experience myself, I became an expert on what’s needed and who to call for that support.
Call me to find out where to start.

People ask all the time, When do we start having the conversation about the family home? It’s never too early to start. The family has many options, not just an out right sale. Let me know if I can help start that conversation or any other conversation about the planning of the aging parents.

As your parents get older and their health starts to turn, not for the better, where are they going to live? Start the conversation when they can be part of that conversation, otherwise the choice will be made for them. They can stay at home, which most families want, so plans need to made for that. Financially and for Care.

Do not wait too long to have these conversations with your aging parent.

Part 2 of having the conversation with your parents. Legal documents have to be updated and made sure the people your parents want in charge, are listed.

It’s never to start the conversation with your parents about their wishes.

Do you think you are too old, or not healthy enough to buy LTC coverage? Let me explain the options you might have up to the age of 80 and let’s see if there is a plan for you. It might be not expensive as you think.