Plan while options are open
Long-Term Care Planning
The retirement expense most people underestimate — planned for while the options are still open.
Long-term care is the risk retirees least like thinking about and most need to: care is expensive, Medicare covers far less of it than people assume, and the need usually arrives after the best planning options have expired. Avoiding the topic is itself a plan — it just makes your family the plan.
Planning doesn't have to mean buying insurance. It means deciding, in advance, how care would be funded and delivered.
Three ways to fund care
The self-fund line decides which one is yours.
Home equity and family arrangements count too — the point is deciding the funding order before a health event decides it for you.
Three questions worth answering while they're cheap to answer
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What would care actually cost — here, for you?
Home care, assisted living, memory care: the numbers vary widely by area and by need, and Medicare covers far less than most people assume. The starting point is a real local number, not a national scare headline.
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Could your plan absorb it?
Some households can self-fund a multi-year care event without endangering the surviving spouse's plan; many can't. We model your actual assets against a realistic care scenario and find where the line sits — that line decides everything else.
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If there's a gap, what's the cheapest way to close it?
Traditional coverage, hybrid designs, home equity, family arrangements — each closes a different-shaped gap at a different price. And if you own an older policy with climbing premiums, "absorb the increase or trim the benefits" has a computable answer.
The options narrow every year you wait.
Have the conversation now
Bring us three things
- A picture of what you own — or the plan we've already built together
- Any existing long-term care policy and its premium notices
- A sense of the care you'd want: home first? near family?
You leave with
- A local, current price on the care you'd actually choose
- The self-fund line: what your plan can absorb, and where it breaks
- A funding decision in writing — insure, self-fund, or a mix
Doing nothing is also a plan.
It just makes your family the plan — the group text, the scramble, the guesswork about the old policy in the filing cabinet. An afternoon of deciding in your fifties or sixties replaces all of it.
Ask about yours
Adult children coordinating a parent's care by group text, discovering in real time what home care costs, which accounts could fund it, and that nobody knew whether the old policy in the filing cabinet still paid anything. Every one of those questions had a knowable answer years earlier. The clients who sit through this planning at 58 are almost always the ones who watched it happen to someone else.
Hypothetical scenario for illustration. Not an actual client. Individual circumstances and results differ.
Kingsbury Financial Advisors
Kingsbury Financial Advisors is a full-service comprehensive financial planning and wealth management firm located in Tampa, Florida. Alongside our strategic partnership with the leading comprehensive financial planning firm Caitlin John Private Wealth management, we have all of the necessary resources to support our clients in conquering their financial goals.
What to expect
- 01 Introduction A short conversation about what prompted you to reach out. No preparation needed and nothing to sign.
- 02 Discovery We gather the full picture — accounts, obligations, timelines, and the goals behind them.
- 03 Your plan We walk you through a written plan together, including the trade-offs behind every recommendation.
- 04 Ongoing partnership Regular reviews, proactive tax and planning work, and a direct line when something changes.
Talk through your situation
True wealth is more than money.
Start with a conversation. No cost, no pressure, no obligation to continue.