Protect Your Future Today

Aging Happens. Don’t Let Unexpected Care Costs Undermine Your Retirement. Here’s How We Can Help.

Life takes unexpected turns, and long-term care (LTC) is a prime example of that uncertainty. For many families, the cost and logistics of caregiving become a huge burden—financially and emotionally. The challenge? Most of us underestimate how likely we are to need care or assume it will be covered by standard health insurance.

Fortunately, new technology is bringing clarity to LTC planning. Our firm partners with Waterlily, an AI-powered tool that uses more than 500 million data points to estimate your unique care risks and possible timeline—everything from the likelihood of needing home health aides to the cost of facility-based care in your ZIP code. In just a few minutes, you’ll see a personalized care plan that highlights not just “how much,” but also “when,” “how long,” and “how your family may be involved.” Then, we work with you to build a comprehensive strategy—whether that’s leveraging insurance, annuities, or other funding methods—to ensure you and your loved ones stay financially secure. It’s LTC planning, simplified.

Why do I need a Long Term Care Plan?

1. High Likelihood – According to government data, the majority of those over age 65 will face at least some LTC needs in their lifetime.

2. Financial Impact – Costs for home health aides, assisted living, or nursing facilities can escalate quickly, jeopardizing retirement savings.

3. Family Burden – If no plan is in place, adult children or spouses often become unpaid caregivers, leading to emotional and financial stress.

4. Peace of Mind – Knowing you have a roadmap—whether it’s through insurance, self-funding, or a combination—allows you to focus on enjoying retirement without constant “what-if” worries.

What is Waterlily and why does it matter for your long-term care plan? Think of it as having a personal research team and data scientist, all rolled into one. Waterlily collects and analyzes over 500 million data points on aging, caregiving, and local cost factors. When you fill out a quick online survey (3–4 minutes), its AI engine compares your health profile, demographics, and location with extensive datasets, creating a personalized LTC projection—decades before any care is needed.

You’ll see everything from the likely age care might begin, to how many hours per week might be handled by family, to whether you can expect at-home help or a nursing facility for the more advanced stages. Armed with this clarity, we can then talk about different ways to pay for care—insurance, annuities, self-funding, or a combination. The result? A custom plan that fits your life, your goals, and your budget.

Ready to explore your LTC future? 

Click here to try our 3-minute survey(button)

Curious About Your LTC Outlook? Let’s schedule a quick chat or get started with Waterlily—no cost, no obligation.

1 Answer a Few Questions

We’ll ask basic info about your health, location, and preferences.

2 AI Generates a Personalized Care Timeline

See when care may start and how long it might last.

3 Review Cost & Funding Options

Compare self-funding vs. insurance vs. annuities.

4 Create a Comprehensive LTC Plan

We’ll help finalize your plan and integrate it with your overall retirement strategy.

FAQ

Do I really need LTC planning?

Most of us will require some level of care at some point. Having a plan spares you and your loved ones from rushed decisions later.

Doesn’t Medicare cover long-term care?

Medicare covers limited, short-term skilled nursing or rehab—not the extended custodial care many seniors need. That’s where private planning comes in.

What if I’m healthy now?

That’s often the best time to plan, when coverage is more affordable and you can choose from more options.

Who is Waterlily for?

Anyone looking to understand their future long-term care risk—whether you’re 45, 65, or 75.

How much does a long-term care event typically cost?

Costs vary by location and care level. Waterlily personalizes estimates to your ZIP code, but it’s not unusual to see six-figure total costs.

How long does it take to get my LTC plan?

After you complete the intake (3–4 minutes), we usually review and share your results within a day or two.

Can I use this if I already have LTC insurance?

Absolutely. Waterlily shows whether your existing policy is sufficient for your predicted care needs—or if you might need additional coverage.

Why does LTC planning matter if I’ve saved a lot for retirement?

Even robust savings can be depleted by the high costs of prolonged care. By planning in advance—whether through insurance, annuities, or dedicated funds—you safeguard your nest egg and maintain independence.

Does Waterlily store my health data securely?

Yes. Waterlily follows strict data protection standards (including HIPAA-level protocols), ensuring your personal information stays confidential.

How accurate are the AI-generated predictions?

While no projection is perfect, Waterlily’s models draw on over 500 million data points, making them far more personalized than generic averages or standard Monte Carlo simulations.

I’m worried about scaring my spouse or kids with “worst-case scenarios.”

That’s understandable. The advantage of Waterlily is that it doesn’t just show extremes—it focuses on your likely scenario and also offers stress tests for shorter or longer durations. This balanced picture can actually ease anxiety by clarifying what steps might help.

What if my health or finances change over time?

LTC planning is flexible. We regularly review updates in your health, budget, or life situation. If something major shifts, we can adjust the plan to keep it aligned with your new reality.

BENEFITS of Acting Now

Personalized Forecasts

No more guesswork—see your potential care timeline and costs.

Streamlined Experience

A simple 3–4 minute survey yields powerful insights.

Actionable Insights

Understand ROI on insurance vs. self-funding vs. annuities.

Family-Centric Approach

Predict caregiving burdens on loved ones and plan accordingly.

Confidence & Peace of Mind

Avoid last-minute panics or draining your nest egg.