Our Services – Asset Protection
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Epstein & White Financial Services
Health related expenses are a key challenge to protecting your assets in retirement.
As the oldest baby boomers begin to wind through their 60s, one of the biggest concerns may not be outliving income, but outliving good health. For seniors, home health care can cost $50,000 or more per year, and nursing home care can run as high as $80,000 per year. Does your retirement income strategy account for this kind of possibility? Would you be prepared for twice that number as a married couple?
Considering that you might have to reduce your financial means before Medicaid will pay for long-term care and neither your employer group health insurance nor major medical insurance will cover long-term care, you may want to consider planning for these potential expenses.
As an independent financial advisor, we can potentially advise you about ways to save for future long-term care expenses by analyzing the pros and cons of purchasing long-term care insurance in your specific situation to maximize your asset protection when it comes to health expenses.
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2 MetLife. October 2011. “Market Survey of Long-Term Care Costs.”
Epstein & White
Epstein & White Retirement Income Solutions, LLC is a retirement income planning firm serving clients throughout San Diego, Del Mar, and other Southern California communities. As independent financial advisors in San Diego, we have developed our business by reaching out, nurturing and maintaining close, trusting relationships with each of our clients.
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