Planning for Long-Term Care—Why It Matters and How to Prepare

Most of us hope to age gracefully, staying healthy and independent.
But here’s the reality: nearly 70% of people turning 65 will need long-term care at some point. For women, the odds are even higher.

And yet—long-term care is one of the least planned-for parts of retirement.

Lately, I’ve had more and more conversations with friends, clients, and even my own family about parents who suddenly need more help than anyone expected. These talks are hard. They touch on independence, dignity, and finances—all at once.

But here’s the thing: waiting makes it harder. Starting the conversation now makes it easier.