In this episode of A Time to Care: The Caregivers Podcast, Isabel Melgarejo sits down with financial advisor Ryan Botzong to explore the often-overlooked side of financial planning: managing risks, protecting loved ones, and making tough conversations easier. From life insurance and long-term care to aligning your plan with what truly matters, Ryan shares practical advice and personal insights on how to approach these challenging topics with care, clarity, and compassion. This episode is perfect for anyone looking to create a plan that protects both their family and their peace of mind.