Have you ever considered LTC as part of your retirement?

Some things to consider about LTC.

Pros of Long-Term Care

Peace of Mind: LTC coverage provides you and your loved ones with peace of mind, knowing that you are financially prepared for potential long-term care needs.

Preserving Assets: By having LTC insurance, you can help protect your hard-earned assets, ensuring they are not depleted by the high costs of extended care services.

Choice and Control: With LTC coverage, you have the freedom to choose where and how you receive care, whether it's in your own home, an assisted living facility, or a nursing home.

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Cons of Long-Term Care:

Cost: One common misconception is that LTC is expensive. While premiums can vary, they are typically more affordable when purchased at a younger age. Comparatively, the potential costs of long-term care services without insurance coverage can be significantly higher.

Underutilization: Some individuals worry about paying for something they may never use. However, the reality is that many people require long-term care at some point in their lives, and having LTC coverage ensures you are prepared when the need arises.

Have you Heard of RMD?

As a retiree, you may have heard of the term Required Minimum Distribution (RMD) before. It refers to the minimum amount you must withdraw from your retirement accounts, such as 401(k)s and IRAs, once you reach the age of between 73-75. Failure to take the RMD could result in a hefty tax penalty, so it's crucial to know what you're dealing with.

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Alexander Rascionato offers Investment Advisory Services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508)

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