10/22/2026
70% of Americans turning 65 today will need some form of long-term care. Fewer than 10% have a formal plan to fund it.
That gap is one of the most overlooked risks we see in retirement planning — especially here in Florida, where the cost of home care and memory care facilities continues to climb.
Medicare covers far less than most families expect. A prolonged illness or cognitive decline can quietly erode decades of savings if there's no strategy in place.
The options exist — traditional LTC policies, hybrid life/LTC products, or a structured self-funding approach. But the window to explore them is while you're healthy enough to qualify. A diagnosis changes everything.
At Davies Wealth Management, we help families walk through the tradeoffs honestly — no product push, no sales agenda. Just a clear look at how your retirement income would hold up if care became necessary.
If this is something you haven't addressed yet, it's worth a conversation.
📋 Start with our Florida Relocation Guide — it covers healthcare costs, tax planning, and what to think through before or after you make the move: tdwealth.net/florida-relocation-guide/
⚠️ Educational only. Not investment advice. Davies Wealth Management is a registered investment advisor. Past performance ≠ future results. AI-assisted; may contain errors.
