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	<title>LTC Planning</title>
	<link>http://www.ltciplanning.info</link>
	<description>Security now and for years to come.</description>
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		<title>The 800 Pound Gorilla</title>
		<description><![CDATA[We all have made plans for retirement. We may have engaged a bona fide financial planner, estate attorney, or an investment manager. Or maybe we just take great pride in doing all ourselves. No matter how it’s accomplished, we do it all in the shadow of an 800 pound gorilla. It is a big shadow! [...]]]></description>
		<link>http://www.ltciplanning.info/the-800-pound-gorilla</link>
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		<title>Reality: Anticipate the need for extended care later in life!</title>
		<description><![CDATA[In a recent survey of clients who utilize the services of a financial adviser, responses show a strong fear that they will run out of money during their retirement. TASK ONE for financial advisers is to make sure that does not happen. This is a key reason for people to engage a financial adviser. They [...]]]></description>
		<link>http://www.ltciplanning.info/reality-anticipate-the-need-for-extended-care-later-in-life</link>
			</item>
	<item>
		<title>Time IS of the essence!</title>
		<description><![CDATA[In an initial visit with a couple, I learned that one of the two had no health issues whatsoever. He qualified for a premium discount because of his excellent health. As it happens from time to time, the couple wanted to “sleep on it” before making a decision to move ahead. Unfortunately, that proved their [...]]]></description>
		<link>http://www.ltciplanning.info/time-is-of-the-essence</link>
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		<title>The High Cost To The Family Care Giver</title>
		<description><![CDATA[Many clients I talk to feel strongly about not being a burden on their families when they require extended care in their later years. More often than not, they themselves have experienced the high costs of care giving for family members in the past, and they don’t want to pass that responsibility on to their [...]]]></description>
		<link>http://www.ltciplanning.info/the-high-cost-to-the-family-care-giver</link>
			</item>
	<item>
		<title>Tools ‹ LTC Planning — WordPress</title>
		<description><![CDATA[Tools ‹ LTC Planning — WordPress.]]></description>
		<link>http://www.ltciplanning.info/tools-%e2%80%b9-ltc-planning-%e2%80%94-wordpress</link>
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		<title>Insuring Your Second Marriage</title>
		<description><![CDATA[Considering long term care insurance is especially important for those who remarry. Blending families at any age is difficult. It doesn’t get any easier later in life when care needs are looming and questions regarding the couple’s estate bubble to the surface. Family relationships can get ugly, especially for blended families. Hear this: “Blood is [...]]]></description>
		<link>http://www.ltciplanning.info/insuring-your-second-marriage</link>
			</item>
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		<title>Money = Security</title>
		<description><![CDATA[In the recent go-go decades of the 1980 and 1990s, people used to say that money gave them “freedom” and “choices”.  Today people say the best thing about having money is “feeling secure.” The Silent Generation (ages 65-85) is twice as likely as any other segment of the population to say that “not being a [...]]]></description>
		<link>http://www.ltciplanning.info/money-security</link>
			</item>
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		<title>A Sense of Urgency</title>
		<description><![CDATA[Broke my heart the other day. I talked with a family I was working with to get coverage in place. When I called the home I learned that the wife had just been discharged from the hospital. The diagnosis was heart failure. The prognosis was not good.  Her opportunity to put a long term care [...]]]></description>
		<link>http://www.ltciplanning.info/a-sense-of-urgency</link>
			</item>
	<item>
		<title>I&#8217;ll Just Take My Chances</title>
		<description><![CDATA[This response to a conversation about long term care planning comes up once in a while. It most often comes from a reasonably healthy man who cannot imagine his health ever changing. Or, perhaps he just can’t  ever see himself unable to do the things he does so easily now, like driving to Home Depot, [...]]]></description>
		<link>http://www.ltciplanning.info/ill-just-take-my-chances</link>
			</item>
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		<title>GET THE FACTS NOW!!</title>
		<description><![CDATA[An older man found himself caring for his wife of 50+ years who was diagnosed with Alzheimer’s. On the advice of a lawyer he began to spend down the family assets so that his wife would qualify for Medicaid. He paid cash for an expensive car for his wife who, of course, could not drive, [...]]]></description>
		<link>http://www.ltciplanning.info/get-the-facts-now</link>
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