Long-term care is one of the biggest financial risks retirees face—but does everyone actually need long-term care insurance?

In this episode of The Capitalized Life & Retirement Show, Matthew Johnson tackles one of the most important—and most misunderstood—questions in retirement planning: Who should seriously consider long-term care protection, and who may not need it at all?

The reality is that nearly half of Americans will require some form of long-term care during their lifetime, yet many people either ignore the risk entirely or purchase coverage without understanding whether it truly fits their financial situation.

In this episode, you'll learn:

• Why long-term care is one of the greatest threats to retirement savings
• The surprising statistics behind long-term care needs
• The "three buckets" of retirees and which group benefits most from coverage
• When self-insuring may make sense—and when it may not
• The differences between standalone long-term care insurance and hybrid solutions
• How life insurance and annuities can provide long-term care benefits
• Why protecting a surviving spouse may be one of the strongest reasons to consider coverage
• How proper income planning can help fund long-term care protection

Matthew explains how long-term care planning isn't just about protecting yourself—it's about preserving your assets, your legacy, and your family's financial future. Whether you have $250,000 saved, $2 million saved, or somewhere in between, understanding your options could make a significant difference in retirement.

If you've ever wondered whether long-term care insurance is worth it, this episode provides a practical framework for evaluating your situation.

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Matthew P. Johnson is President and Owner of Johnson Wealth and Income Management, a third-generation company that has been serving clients for over 75 years. Matthew has been advising clients in the financial services industry since 1999. He strives to educate clients on how to invest for income, help to avoid loss by utilizing more conservative investment options, and is dedicated to helping them achieve a well-planned retirement. Johnson Wealth and Income Management is committed to educating its clients and the community through workshops on topics related to more conservative investment alternatives. Website: https://www.johnsonwim.com/ Investment Advisory Services offered through Sound Income Strategies, LLC, an SEC Registered Investment Advisory Firm. Johnson Wealth and Income Management and Sound Income Strategies, LLC are not associated entities. Johnson Wealth and Income Management is a franchisee of Retirement Income Source, LLC. Retirement Income Source, LLC and Sound Income Strategies, LLC are associatedentities.