Long-Term Care & Risk Management
Protecting your independence, your family, and your financial future
As you move into the second half of life, one question becomes increasingly important: How will I protect myself—and the people I love—if my health changes? Long-term care planning isn’t just about insurance. It’s about independence, dignity, and ensuring your financial life remains stable no matter what the future holds.
At Matthews Financial & Insurance Solutions, we help you prepare for life’s biggest “what-ifs” with a thoughtful, strategic approach to risk management. Our Quality of Life Planning process is designed to give you clarity and confidence—especially if you’re a woman navigating retirement on your own or managing financial decisions after a major life transition. We provide the guidance you need to protect your assets, your income, and your long-term well-being.
How We Help You Protect What Matters Most
- Understand your long-term care risks and options
We begin by helping you understand the true cost of long-term care, how it works, and the risks that often fall disproportionately on women—longer life expectancy, higher healthcare costs, and a greater likelihood of needing extended care. You’ll gain a clear picture of your options, from traditional long-term care insurance to hybrid life/LTC solutions, annuity-based care strategies, and self-funding approaches.
- Create a plan that fits your life—not someone else’s
Your care plan should reflect your values, financial situation, health, and lifestyle. We help you determine when and how to incorporate care planning into your broader retirement strategy and ensure that the solution you choose protects your independence while staying affordable and flexible.
- Coordinate protection strategies across your entire financial plan
Long-term care doesn’t happen in a vacuum. We integrate your risk management strategy with your retirement income plan, investment portfolio, and estate goals. The result is a cohesive plan that protects your assets, manages taxes, and provides your future caregivers with clear direction.
- Review existing insurance and protection solutions
If you already have long-term care coverage—or old life or disability policies—we evaluate whether they still serve your needs. We help you understand what you have, where the gaps are, and how to update or supplement your coverage to better protect your future.
- Plan for the people you love
For widows, single women, and inheritors, long-term care planning offers peace of mind not just for you, but for the people who may one day care for you. We help you design a plan that reduces the emotional and financial burden on children, siblings, or close friends.
- Provide ongoing updates and review
As health, laws, and policies change, so should your plan. We regularly revisit your coverage, premiums, and options to ensure your protections remain strong and aligned with your long-term goals.
- Your Future Deserves Protection
A comprehensive long-term care and risk management plan isn’t just about covering costs—it’s about maintaining control, reducing stress, and safeguarding the life you’ve worked so hard to build.
