Long-term care planning

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Plan for the future with confidence

Your future, protected: Long-term care planning made easy

Planning for long-term care may seem daunting, but with the right guidance, you can secure your future and protect what matters most. At Oppfinancial, we believe in empowering individuals to make informed decisions about their long-term care needs. Our expert team is committed to providing you with personalized, cost-effective strategies that help safeguard your wealth while ensuring that you have access to the care you deserve. Let us help you take the first step towards a worry-free future, so you can focus on what truly matters.

Understanding long-term care needs

As people age, the likelihood of needing long-term care increases. Studies suggest that around 70% of individuals turning 65 today will require some form of long-term care in the future. This includes assistance with daily activities such as bathing, dressing, and managing medications. The need for care can arise suddenly due to illness, injury, or chronic conditions, making long-term care planning a crucial aspect of financial and health security.

Key Statistics:

70% of people turning 65 today will need long-term care.
Over 40% will require care in a nursing home at some point.
The average duration of care needed is approximately 3 years.

The importance of long-term care planning

Long-term care can be an expensive and overwhelming commitment, especially when unplanned. Without proper planning, these costs can deplete your savings and impact your loved ones. By creating a long-term care plan, you ensure that you are prepared for potential future needs without draining your wealth or placing undue stress on family members. Our strategies aim to bridge the gap in coverage that might be missing in traditional health or life insurance plans.

How We Help:

Assessing Your Needs: We help you understand your specific needs based on family history, health conditions, and lifestyle.
Cost-Effective Strategies: We offer affordable planning solutions tailored to your financial situation, ensuring you don’t overspend.
Protecting Your Wealth: Our focus is on strategies that preserve your assets while providing necessary care.

Our approach to protecting your wealth

At the core of our service is ensuring that your wealth is protected while securing quality care for the future. We take a personalized approach to each client, developing a comprehensive plan that balances affordability with the best care options. Whether it’s through insurance, savings strategies, or government programs, we work with you to fill the gaps in your planning and provide peace of mind for years to come.

Comprehensive Plan Includes:

Insurance Solutions: Exploring long-term care insurance to cover unexpected expenses.
Asset Protection: Strategic investment and saving plans designed to shield your wealth.
Government Programs: Leveraging eligibility for Medicaid and other financial aid programs to maximize benefits.

Our services

Retirement & income planning

Life evolves, and so should your retirement plan. We tailor forward-looking plans that help unlock growth potential, minimize tax and market risk, and protect against life’s uncertainties.

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Tax planning

Taxes can quietly erode wealth over time, but proactive planning can help stop the drain. We leverage tools like Roth IRA conversions and other tax diversification strategies to help you keep more of what’s yours.

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Estate planning

As legislation and tax laws continue to evolve, it’s important to have a comprehensive estate plan to help ensure you aren’t leaving a tax time bomb to loved ones.

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Are there any hidden gaps in your current plan?

Schedule a complimentary analysis with our team. We'll walk through your current plan and identify opportunities that could help protect your hard-earned savings from taxes, market risk and life's uncertainties.

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