This is a case study from 2022. My client Sandy doesn't know in which part of the country she plans to retire, so we designed a plan that will help her provide for herself in any of the regions she is considering.  It's important to consider what life will be like in 20-30 years when we're planning for LTC needs.  And it's important to research projected future costs of care to understand the real risk we'll face.  In 25 years, home care and assisted living costs can easliy be $240,000 annually.  Having a dedicated, tax-free stream of income to pay for some or most of these costs gives us permission to live out our retirement years without wondering if we will be able to provide for ourselves after a stroke or if Alzheimer's disease settles in. Ask me for guidance at