The conversation your financial advisor isn't having with you.
Seven out of ten people over 65 will need long-term care. The average cost is $127,000 a year. Most families have no plan. When the time comes, savings vanish, spouses become exhausted caregivers, and adult children sacrifice their own lives to help.
Why this matters more than you think
Zach explains the blind spot in your retirement plan — and what you can do about it.
Zach Ott, CLTC — Founder of Navigate LTC
Long-term care is the help you need when you can no longer safely handle basic daily tasks by yourself. Getting dressed. Bathing. Using the bathroom. Preparing meals. Remembering to take your medications.
It might happen suddenly—after a stroke, a bad fall, or a serious accident. Or it might creep up slowly as arthritis makes it harder to move, as memory fades, or as balance becomes unsteady.
This isn't medical care. Doctors and hospitals treat illnesses and injuries. Long-term care is custodial. It's someone helping you shower every morning. It's someone making sure you don't fall when you get out of bed. It's someone ensuring you actually take your pills.
And here's what most people don't realize: planning for long-term care isn't about you. It's about everyone you love.
Without a plan, your spouse becomes the one lifting you in and out of bed—risking their own health. Your adult children rearrange their lives, jobs, and families to provide care they're not trained to give. The emotional toll is overwhelming. The financial devastation is real.
This is what happens when there's no plan.
These aren't worst-case scenarios. They're the everyday realities for families who thought "it won't happen to us."
The spouse who becomes the caregiver
Your 72-year-old wife is now lifting you in and out of bed. Her back is failing. She hasn't slept through the night in months. She's exhausted, isolated, and her own health is declining rapidly.
The daughter who gave up her career
She turned down a promotion, then cut her hours, then quit entirely. She's spending 40+ hours a week providing care she was never trained to give—while her own family suffers.
The retirement fund that vanished
Three years of care drained $380,000. The money earmarked for your spouse's retirement, for grandchildren's college, for charitable giving—gone. All of it.
The family torn apart
Siblings arguing over who's doing more, who's spending what. Resentment building. Relationships that took decades to build, fractured in months. This wasn't the legacy anyone wanted.
"Planning for care isn't about fear. It's about love. It's about making sure the people you care about most aren't destroyed trying to care for you."— Zach Ott, Founder of Navigate LTC
What care actually costs.
These numbers are rising faster than inflation. Every year.
Are you actually prepared?
Most people don't know where they stand until it's too late. Our 2-minute assessment reveals the gaps in your plan before they become crises.
- Identify your specific risk factors
- See how your savings stack up against potential costs
- Get clear next steps based on your situation
- No pressure, no obligation—just clarity
Simple. Clear. No pressure.
Discovery call
We listen to your concerns, understand your family situation, and answer your questions. Fifteen minutes. Zero pressure. Just education.
Custom analysis
We assess your risk factors, review your financial picture, and identify gaps in your current plan. You'll know exactly where you stand.
Tailored solutions
We present options that fit your budget and goals. Insurance, hybrid policies, strategic asset positioning—whatever makes sense for you.
Zach Ott
Certified Long-Term Care Professional (CLTC)
I've spent twenty years in the insurance industry, including leadership roles with major carriers. I've seen what happens when families don't plan. And I've seen the relief—the actual relief—when they do.
I wrote a book about this. It's called "The Retirement Blind Spot." Because that's what long-term care is for most people: a massive financial and emotional risk hiding in plain sight.
My approach is simple: education first, always. I want you to understand your options completely before you make any decisions. No pressure. No sales tactics. Just honest guidance.
Ready to have the conversation?
Schedule a free 15-minute call. No pressure, no obligation—just a conversation about your situation and how to protect what matters most.
Prefer to reach out directly?