CJB Insurance Services

The best financial advisors I work with are already asking these questions.
They understand that a beautifully constructed investment strategy can be undone by an unplanned long-term care event, and they want to get ahead of it for their clients.
This article by Padawer, CLTC®, raises an important conversation for the financial planning world: if a client's portfolio is the default plan for future care costs, where is that actually documented? Where's the stress testing, the liability analysis, the actual plan?
This isn't a criticism of advisors. It's an invitation to go deeper, and the advisors who do are the ones their clients will thank most.

LTC planning isn't a separate conversation from wealth management. It is wealth management.

For the financial advisors in my network, how are you currently addressing long-term care exposure in your client conversations? I'd love to hear what's working.
https://www.linkedin.com/pulse/registered-investment-advisors-impaired-consumer-mike-padawer-cltc--0wqre/

The Registered Investment Advisor’s Impaired Consumer Disclosure There are more than 30,000 Registered Investment Advisors in the United States, and each one maintains a Form ADV, their consumer disclosure document that explains risks, conflicts, fiduciary practices, and the advisory process to clients. The only problem is that any disclosure that omits the fores

Last week I had the honor of leading a webinar with Jacobs of WRP Wealth Management to educate his clients on long-term care insurance strategies. Leading with education empowers clients to make the best-informed decisions with their financial advisor.

If I can help partner with you to educate others, please let me know. I always love collaborating with colleagues.

June 15th is recognized as Elder Abuse Awareness Day.

Charles Schwab has materials to raise awareness of the challenges elders face and our collective responsibility to protect and support them.

Here are a few ways that seniors can protect themselves, and we can support them:

1. Stay connected: Maintaining contact with loved ones and engaging with the community to mitigate isolation and vulnerability. This may mean younger folks making the effort to help seniors stay connected.

2. Plan for challenges of aging: Be prepared to manage money and financial assets as you get older by ensuring you have all of your documents organized (especially financial and legal documents) and have a plan of care (not just a health care directive). Many seniors need support with this, but avoid making these plans or asking for help.

3. Regularly review finances: This includes creating a secure list of accounts with login credentials and speaking with family and attorney on trust, will, or other estate wishes.

4. Add a trusted contact: Designate a trusted contact to provide another layer of protection to help keep your accounts safe.

5. Protect personal information: Don't give out your Social Security, credit card, bank account numbers, or passwords over the phone or by email. When possible, try to enable two-step authentication for online accounts. It helps to have regular conversations and check in.

For more information and resources, please visit:

Protecting Senior and Vulnerable Investors | Charles Schwab SchwabSafe® helps protect senior and vulnerable investors with different tools and resources.

Frequently, I hear about a family that is just beginning to realize they need to find help for supporting a loved one with the Activities of Daily Living or Cognitive Decline.

Finding the right care setting is one piece of the puzzle, but having the right people guiding you through it matters just as much. That's why I'm grateful to collaborate with partners like Brent Hensley and his team at Assisted Living Locators, as well as Ian Sherbin of Elder Family Coaching. These are people who lead with heart first.

If you're navigating a transition for a loved one, you don't have to do it alone.

https://www.linkedin.com/posts/brent-hensley-2954478_assistedlivinglocators-caregiversupport-seniorliving-share-7453518414364491777-InNt?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAAKGlcBUFs-2DbD8Sjtp44btAh62_2-m8Q

#assistedlivinglocators #caregiversupport #seniorliving #takingcareofourseniors #seniorcarecoachsf | Brent Hensley Most families do not call us on an easy day. It is usually after something has changed. -A fall. -A diagnosis. -A moment that just does not feel right anymore. And in that moment, you are not just looking for options. You are looking for someone who understands. What makes us different is that you a...

The costs of caring for aging parents don't always arrive all at once; they build quietly, in small decisions that add up faster than most families expect. This article does a beautiful job capturing both sides: the financial reality AND the emotional weight that rarely gets talked about.

What I'd add from my corner of this conversation: long-term care insurance is one of the most powerful tools for protecting both your parent's dignity and your family's financial foundation. But it only works if it's in place before the need arises.

If this article resonates with where you are right now, let's talk.
https://www.newhorizonsfc.com/blog/the-true-cost-of-caring-for-aging-parents-and-how-families-can-prepare

The True Cost of Caring for Aging Parents, and How Families Can Prepare Understand the real financial and emotional costs of caring for aging parents—and steps families can take to plan, budget, and reduce stress.

There are 53 million unpaid caregivers—people providing care for their loved ones in the home—in America. They provide over $870 billion in services to society each year by caring for these people. Some of these caregivers and/or those receiving care may be your loved ones.

If you are or have been a caregiver, what is something you’d like people to know?

For me, when my family was helping care for my mother, I felt like my friends did not understand, and I felt very lonely about that part of my life. Now, I would take the time to share this with friends so they could have better supported me, if only emotionally.
https://publichealth.jhu.edu/2025/what-is-the-caregiver-crisis #:~:text=There%20are%2053%20million%20unpaid,of%20caring%20for%20these%20people.

What Is the Caregiver Crisis? | Johns Hopkins Bloomberg School of Public Health There are an estimated 63 million caregivers in the U.S., paid or unpaid, who provide care for people who rely on them for basic needs. While that might seem a mighty number, this invisible workforce is under increasing strain.

Take pride in who you are!

Term life insurance is a simple way to protect your family. There are also ways to strategize with term insurance. For example, you can ladder policies. New clients just purchased a $2 million for 20 years and a $1 million for 30 years instead of a $3 million for 30 years. This addresses their concern about their kid's college education (among other things) and is less expensive than a $3 million policy for 30 years would have been.
I have many clients who purchase policies in different configurations.

I’d be happy to talk with you and determine which configuration best suits your situation.

https://www.linkedin.com/posts/suzeorman_termlifeinsurance-financialplanning-protectyourfamily-activity-7244345087357263872-WQeX/?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAAAFmQBqAzI3xKQAsJyev3g6SheCRjtQgI

#termlifeinsurance #financialplanning #protectyourfamily #smartinsurancechoices | Suze Orman When selecting life insurance, one of the most important decisions is determining how long you’ll need coverage. With term life insurance, you have flexibility. You can choose a 5-year, 10-year, 20-year, or even longer policy depending on your needs. For example, if you have young children, consid...

Lisa asked such great questions on behalf of her audience at the Not Ready Yet: Curating Conversations for the Aging Journey. This is the full episode and we both agreed that a Part II is in the future. I look forward to it, Lisa!

https://youtube.com/shorts/Z8AYeBMT6kg?si=XzjlK7i4nT6CGlRY

Medicare vs Long-Term Care: What's Covered! Lisa Harper and Carly Ebenstein highlight where Medicare coverage ends, and where long-term care coverage steps in.

Wishing everyone a wonderful Memorial Day!