After decades of saving for their golden years, clients expect financial security in retirement. Unfortunately, more than 80% of Americans still lack a Long-Term Care (LTC) component in their planning, so healthcare was often overlooked in that definition of security.  The Silver Tsunami makes it clear:  Every client must have a strategy to PLAN FOR care, because simply PAYING FOR it out-of-pocket when a crisis hits is the default. 

For clients already well into retirement, a common misperception persists — that they are too old for an insurance-based LTC strategy or that the cost would be prohibitive. In reality, innovative solutions exist today for clients well into their 70s, and in some cases even up to age 87, using asset-based LTC strategies or directing current and future Required Minimum Distributions (RMDs). Clients can utilize these strategies to implement comprehensive, affordable LTC Planning that protects their wealth and preserves their legacy.

LTC Annuities: A Shield for Tomorrow

LTC Annuities allow your clients to leverage the Pension Protection Act to transform ordinary assets into extraordinary protection. They aren’t just another product — they’re a strategy to prepare for care while preserving wealth.

Financial Protection:  Safeguard assets from the rising costs of long-term care, ensuring families are protected from financial erosion.

Self-Funding On Steroids:  Without a plan, every dollar for LTC comes out-of-pocket. With an LTC annuity, those same dollars are amplified 200–300% and delivered as tax-free benefits.

Funding Flexibility & Certainty:   Cash, savings, old annuities, or life insurance values can all be repositioned. Premiums are guaranteed, and costs never increase — no surprises, no moving targets.

Turn RMDs Into Tax-Free Benefits or A Family Legacy

Required Minimum Distributions (RMDs) are inevitable — but how clients use them is optional. Too often, those dollars go straight to taxes or sit idle in checking accounts. A smarter path is to redirect RMDs into LTC Planning, turning a tax liability into tax-free leverage.

Tax-Free LTC Benefits:   Reposition RMDs or IRA dollars into a dedicated LTC strategy. Every taxable distribution becomes leveraged, tax-free dollars to cover future care.

A Tax-Free Death Benefit:   If care needs are minimal, the repositioned dollars return to the family as a tax-free death benefit — preserving wealth and creating a legacy of love.

A Joint LTC Plan from One Retirement Account:  Joint-life solutions allow one spouse’s IRA or RMDs to cover both partners’ LTC needs, stretching the value of a single retirement account.

As the Silver Tsunami continues reshaping retirement in America, millions of Baby Boomers are entering the stage of life where healthcare and caregiving risks become unavoidable. LTC Planning is no longer optional — it’s a crucial ingredient of financial security. INERTIA will help you empower clients to make informed decisions. Our team of experts and planning specialists is here to guide you through the process and provide data-driven, personalized solutions that align with each client’s goals, circumstances, and family dynamics. We look forward to working with you to ensure your clients are prepared to face the future with clarity and confidence.

We look forward to working with you to ensure every client is prepared to face future Long-Term Care needs with clarity and confidence.

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