Living longer is a gift — but it comes with a hidden risk: the longer we live, the more likely we are to need long-term care (LTC). That can include help at home, assisted living, or nursing care. And unfortunately, most people don’t realize how expensive it can be.
Here’s what the latest research says:
52% of single women who need long-term care in retirement will run out of money.
Many people think LTC will cost under $50,000 — but the actual cost is often $100,000 to $250,000.
Women are at greater risk because they live longer and often have fewer savings.
Middle-class families — not the wealthy or the poor — are the most financially vulnerable.
Most people don’t have a plan for how they’d pay for this kind of care, but the earlier we prepare, the better the options.
Let’s Make a Plan That Works for You
You’ve probably spent years building a thoughtful retirement plan.
You’ve invested wisely.
You may be close to paying off your home.
You’ve worked hard to build confidence and financial independence.
But here’s the truth:
If long-term care needs arise — and for many, they will — all of that planning could be put at risk.
One unexpected health event can wipe out decades of careful saving.
At Ametrine Wealth Strategies, we believe that being retirement-ready is about more than smart investing or wealth management. It’s not just about growing your money — it’s about protecting what you’ve built. Because when you’ve worked a lifetime to achieve financial freedom, the last thing you want is to watch it disappear to unplanned care costs.
The earlier you start, the better your options.
Whether you're early in your career, approaching retirement, or already retired — long-term care planning remains essential.
We help our clients take confident strides toward a retirement that’s not only secure — but resilient. That means putting plans in place to ensure your wealth isn’t just growing… it’s built to last.
Disclosure
This content is for informational purposes only and does not constitute personalized financial, legal, or tax advice. Long-term care costs, coverage, and suitability vary based on individual circumstances. Please consult with a qualified financial professional before making any decisions related to your financial plan or long-term care strategy. Investment strategies involve risk, including possible loss of principal.
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Disclosure
This content is provided for educational and informational purposes only and does not constitute individualized financial, tax, or legal advice. Insurance products contain fees, costs, limitations, and exclusions. Policy performance and benefits depend on the specific contract, issuing carrier, funding, and assumptions. Consult qualified professionals regarding your specific situation.
© 2026 Ametrine Wealth Strategies, LLC. All Rights Reserved.
Written and developed by Amine Mabsout, CRPS®, AWMA®, RFC®, LACP — Founder of Ametrine Wealth Strategies.