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As life expectancy continues to rise, so does the likelihood of needing long-term care. Whether it's home health assistance, nursing care, or support in an assisted living facility, the costs can be overwhelming. At First State Financial Management, we help you prepare for the unexpected—so you can protect your health, your assets, and your peace of mind.
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Long-term care (LTC) refers to ongoing support for individuals who can no longer perform basic activities of daily living (ADLs) independently due to illness, injury, or cognitive decline. These activities can include bathing, dressing, eating, and transferring.
Care may be provided in various settings: private homes, assisted living facilities, hospice, or nursing homes.
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Assess Your Risk: Based on your age, health, family history, and lifestyle.
Protect Your Assets: So you don’t have to spend down your savings to qualify for Medicaid.
Unlike generic online calculators or insurance brochures, a financial advisor tailors recommendations to your:
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Long-term care planning isn’t just about you—it’s about protecting your family from financial and emotional stress. A financial advisor helps you build a plan that:
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FDIC-Insured - Backed by full faith and credit of the U.S. Government
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