Long Term Care Planning
Plan for care before a crisis turns it into a financial emergency.
Long-term care planning is the integrated process of preparing for the legal, financial, and family-system costs of extended care — whether at home, in assisted living, or in a nursing facility. It combines insurance, asset structuring, and care coordination so that one person's needs don't bankrupt the next generation.
Recognize yourself in any of these?
Your parents are healthy now — and you're already watching friends struggle.
The window to plan well is open while everyone is healthy. Long-term care insurance, trust structures, and Medicaid pre-planning all work better the earlier they start.
Home care is becoming full-time and the costs are climbing.
$30–$40 an hour, around the clock, adds up faster than families expect. We help structure care contracts and explore funding options before private savings run out.
Assisted living is no longer enough.
A move from assisted living to skilled nursing changes the financial picture overnight. We help families plan the transition so the next call isn't a panicked one.
The work, named honestly.
- —Long-term care insurance review and coordination
- —Medicaid pre-planning with five-year lookback strategy
- —Veterans Aid & Attendance benefits coordination
- —Family caregiver contracts
- —Coordination with geriatric care managers and home-care agencies
An approach, not a transaction.
Long-term care planning is the bread and butter of the Guidance Program. We build a multi-year plan, then revisit it annually as health and finances change.
About the Guidance ProgramFrequently asked questions about long term care.
Is long-term care insurance worth it?+
Sometimes. Traditional LTC insurance has gotten more expensive and rate increases have made it less attractive than it was a decade ago. Hybrid life-insurance policies with LTC riders are now often a better fit. The right answer depends on age, health, and existing assets.
What does long-term care actually cost in New Jersey?+
As of 2026, NJ nursing home care averages $13,000–$15,000 per month. Assisted living runs $6,000–$8,000. Home care at 24/7 staffing exceeds $20,000 per month. Planning matters because private-pay for two to four years drains most retirement savings.
Can I keep my house and still qualify for Medicaid?+
Usually yes, with planning. The home is an exempt asset for Medicaid eligibility, and a Medicaid Asset Protection Trust or life estate deed can protect it from estate recovery after death. This is one of the most common planning conversations we have.
What is VA Aid & Attendance and who qualifies?+
Aid & Attendance is a VA pension benefit for wartime veterans (and surviving spouses) who need help with daily activities. It can add $1,500–$2,800 per month toward care costs. Eligibility involves both service requirements and a financial means test that benefits from planning.
Let's figure out the next step together.
A 15-minute call is free. There's no obligation, and there's no sales pitch.
Schedule the call