The Long-Term Care Decision Most People in Their 50s & 60s Are Ignoring

Most people in their fifties and sixties know long-term care exists. They just don't plan for it — because thinking about it is uncomfortable. So they put it off. And putting it off is itself a decision. Just not the one they'd make if they were thinking clearly.

In this solo episode of Beyond the Numbers, fiduciary financial planner Chris Everett breaks down why long-term care is the financial risk with the highest probability of wiping out everything a couple spent 30 years building — and what a real strategy to protect against it actually looks like.

What You'll Learn:

• Why long-term care is the most avoided and most consequential financial decision most pre-retirees never make
• The reframe that changes everything: this isn't planning for sickness — it's protecting the retirement you built
• Why the average private nursing facility costs over $90,000 a year — and why Medicare won't save you
• How one long-term care event can erase 30 years of savings with no bad investment decisions involved
• Why waiting doesn't give you more time — it gives you fewer options at a higher cost
• The unique risk business owners face when this is missing from their plan
• Where to start building a real strategy before the window closes

Resources:
Everett Wealth Solutions: https://chris-everett.knowledgevaultpress.com/long-term-care

Free resource + Pre-Discover Session (30 min, no cost): https://calendly.com/ews407/30min?back=1&month=2026-06

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Everett Wealth Solutions is a Registered Investment Adviser in the State of Illinois providing fiduciary financial planning and asset management across the nation.