The long-term care book · Free

Retire without the what if.

Name: Retire Without the What If
Author: Rc Arseneau

“What if one of us needs care?” is the question that quietly sits under every other retirement decision. This book walks through it in plain language: what care actually costs, who pays, what the options are at every age, and how couples decide together, early, while the choices are still theirs to make.

Digital edition · Written by a CFP® professional · Three decades of these conversations

Cover of Retire Without the What If: Your Complete Guide to Long-Term Care Planning, by RC Arseneau.

Inside the book

The conversation, without the dread.

Section One

The Problem Nobody Talks About

It starts with Tom and Linda, a couple drawn from years of real conversations, who saved well and kept moving long-term care to the someday list.

Section Two

Understanding the Risk

What long-term care is and is not, what Medicare and Medicaid actually cover, what care costs, and why waiting narrows your options.

Section Three

Your Three Choices

Paying for care yourself, relying on Medicaid, or insuring the risk, and what each one means for your family.

Section Four

Finding the Smart Middle Ground

Protecting your retirement without insuring every dollar, a tax advantage that rarely gets mentioned, and the kinds of coverage available.

Section Five

How to Buy It Wisely

Whether your advisor can show you the whole market, and which standard they are held to when they recommend a policy.

Section Six

What This Unlocks

Back to Tom and Linda, and what changes when a vague fear gets a number and a plan.

Plus a glossary: plain-language definitions of the key terms, from activities of daily living to spend-down.

The next step

Then bring your situation to the table.

For Signature Retirement clients, the long-term care conversation is part of the plan: your actual situation, your numbers, and a decision made early, while every door is still open.

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