What happens when an unexpected health event threatens to derail years of careful retirement planning? In this episode of Finishing Well, Certified Financial Planner Hans Scheil and co-host Robby Dilmore explore one of the most important—and often overlooked—components of a successful retirement strategy: long-term care insurance.

Drawing from both personal experience and financial planning expertise, Robby shares how a serious automobile accident highlighted the critical need for having resources available when you can no longer care for yourself or a loved one. Hans then walks listeners through the real-life financial planning case of Tom and Susan, a retired couple preparing for the next phase of life and evaluating how long-term care coverage fits into their overall retirement plan.

You'll learn:

• Why long-term care can quickly unravel an otherwise solid retirement strategy
• How long-term care decisions affect spouses, children, and future generations
• The advantages of tax-free long-term care benefits
• Strategies for using IRA assets to fund long-term care protection
• How hybrid life insurance and long-term care policies work
• The growing importance of home health care benefits
• Ways to protect retirement assets while maintaining flexibility and legacy goals

Whether you're approaching retirement or helping aging parents navigate care decisions, this episode provides practical insights into creating a financial plan that protects both your assets and your family.

Tune in to discover how planning ahead today can provide peace of mind for tomorrow.