Where would you prefer to receive care if it becomes necessary — at home, in a community setting, or in a specialized facility? What does “aging comfortably” look like to you? How important is it for you to remain in your current home as long as possible? What kind of living environment do you envision for yourself in your later years (quiet and private, active and social, near family, etc.)?
Who do you imagine being most involved in your care — a spouse, children, professional caregivers, or others? What level of involvement would you want from family members in providing or managing your care? Are there specific responsibilities you don’t want loved ones to take on? Have you discussed long-term care expectations with your family? If not, what’s been holding that conversation back?
What financial concerns come to mind when you think about long-term care? How would you like to pay for care — out of savings, through insurance, or by repositioning existing assets? How important is it to protect your estate or inheritance for family members while planning for care costs? Are there current accounts, policies, or investments that could be part of a long-term care strategy?
How would you describe your current health and lifestyle? What steps are you already taking to maintain your independence as you age? Do you have a family history of conditions that could affect future care needs (e.g., mobility, memory, or chronic illness)? What fears or concerns do you have about losing independence or needing help with daily activities?
When you think about aging, what matters most to you — comfort, independence, dignity, family peace of mind, or something else? How would you define a “successful” long-term care plan for yourself? What do you want your loved ones to remember about how you approached this stage of life?
What would you like to learn more about — coverage options, tax advantages, or ways to combine investments with care planning? What’s the ideal outcome you hope to achieve by putting a plan in place now?
