The $10,965 nursing-home room your plan forgot
A private nursing-home room now runs nearly $11,000 a month, and Genworth just re-entered the long-term care market for the first time in over a decade.
Notes from our team.
How we work, what we're learning, and plain answers to the questions our clients ask most.
Legacy Planning ·
The $124 Trillion Wealth Transfer Has a Paperwork Problem
A record $124 trillion is about to change hands through 2048, yet fewer than one in three adults has a will. The families who plan now will pass wealth cleanly.
Retirement Planning ·
The 2027 Social Security COLA looks bigger. It still won't be enough.
Early estimates put the 2027 Social Security COLA near 3.7% to 3.8%, a full point above 2026.
Asset Protection ·
The $130,000 care bill Medicare quietly leaves on your table
Nursing home care now runs past $130,000 a year, and Medicare will not cover the long stay.
Retirement Planning ·
Fixed Index Annuities vs. CDs: Growth, Tax Treatment, and Lifetime Income Compared
CDs looked attractive when rates hit 5% in 2023. Now they are declining, and retirees who parked savings in them are facing reinvestment risk with no income…
Kids Head Start Plans ·
Trump Accounts explained: the smart parent's next move
Trump Accounts launched July 4, 2026, and over 6 million are already open.
Retirement Planning ·
Why 1 in 5 Gig Workers Is Over 55, and What That Tells Us About Retirement Accounts
More than 20% of full-time gig economy workers in America are over the age of 55. Most of them had 401(k)s, IRAs, or pension plans.
Legacy Planning ·
The $15 Million Estate Exemption Is Now Permanent
The One Big Beautiful Bill made the $15 million estate tax exemption permanent, shifting the game from rushed year-end gifting to durable, multigenerational…
Asset Protection ·
The six-figure care bill most retirement plans *ignore*
The 2025 CareScout Cost of Care Survey shows a private nursing home room now runs $129,575 a year, yet only 3 to 4% of older Americans carry LTC coverage.
Asset Protection ·
The 2033 Medicare cliff and the $114,000 care problem
Medicare's hospital trust fund now runs short in 2033, nursing-home costs top $114,000 a year, and only about 11% of families carry long-term care coverage.
Retirement Planning ·
Fidelity, Vanguard, and BlackRock Are Putting Annuities Inside Your 401(k). Here's What That Tells You.
The three largest names in retirement money are quietly adding guaranteed lifetime income to their flagship 401(k) products.
Retirement Planning ·
Annuity sales hit a record $464 billion. Here's why.
Annuity sales just hit a record $464.1 billion as 4.1 million Americans turn 65 every year. Indexed products are now nearly half the market.
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