Would Your Portfolio Protect Your Independence?
A smarter way to preserve independence while maintaining market growth.
According to the U.S. Department of Health and Human Services, approximately 70 percent of individuals turning 65 today will require some form of long term care during their lifetime.
Most retirement plans assume:
Long term care is not primarily a performance issue. It is a liquidity event layered on top of sequence risk.
Long term care does not usually begin in a facility.
It begins at home.
The U.S. Bureau of Labor Statistics reports:
Americans provide unpaid eldercare
Nearly half are caring for a parent
Nearly four hours per day are spent assisting
Without funding, long term care often looks like:
Adult children reducing work hours
Family members rearranging schedules
Retirement accounts being liquidated
Market downturns amplifying stress
This is how independence quietly erodes.
66
$318,471
Goal: Accumulate $1,806,109 by age 86
Required Return: Approximately 8.9 percent annually for 20 years
That assumes:
$318,471
$1,806,109 for long term care
$30,102 per month if care is needed
The remaining portfolio continues to grow and compound
This is not replacing investments. It is ring fencing catastrophic care risk.
Long term care is not only a financial event.
It is a family event.
Care decisions become reactive.
Care decisions become strategic.
Instead of selling assets during a downturn to fund care, a defined pool pays for professional support at home.
Are you comfortable assuming consistent 8 to 9 percent returns for 20 years, with no major downturn before a health event?
Or would you prefer a defined pool dedicated to preserving independence?
Self fund the predictable. Transfer the catastrophic.
A complete retirement plan addresses:
Aging in Place Without Becoming a Forced Seller