The reality is that 7 out of 10 people will need some form of long-term care* during their lifetime. Whether it’s a few months of rehab after an injury or ongoing support later in life, the odds are higher than most of us expect.

We understand these conversations can be uncomfortable. No one wants to imagine a time when they might need help — but avoiding the topic can leave your spouse or loved ones with difficult decisions and financial strain. Planning ahead allows you to protect your independence, preserve your assets, and ensure your family isn’t left guessing about your wishes.

This month, we’re sharing several resources to help you start the discussion, understand the options, and make informed decisions about your care and your loved ones’.

Featured Articles

• How to Pay for Long-Term Care: 8 Strategies
  Learn about key ways to plan and pay for future care — from using savings or home equity to leveraging insurance, HSAs, and retirement accounts.
• How to Start the Family Caregiving Discussion
  Nobody looks forward to these talks, but every family needs to have them. This piece offers practical tips to approach sensitive caregiving and financial topics with empathy and clarity.
• Checklist: Is It Time for Assisted Living?
  Use this simple checklist to recognize when a loved one might need more support. Knowing the signs early can help you plan financially and emotionally for the next step.
• Holistic Help for Caregivers of Aging Parents
  Explore how integrated financial and caregiving plans can protect both your parents’ well-being and your own retirement goals. Includes guidance on assembling resources and planning ahead.
• 11 Financial Tips to Make Caregiving Easier
  From organizing documents to protecting against scams, this article outlines practical steps to manage the financial side of caregiving and reduce stress for everyone involved.
• Understanding Guardianship for Older Adults
  If a loved one is losing the ability to manage their own affairs, this guide explains what guardianship means, when it’s appropriate, and how to preserve dignity while providing necessary oversight.
• 15 Resources for Overwhelmed Caregivers
  Discover trusted programs, networks, and tools that can lighten the load — from transportation and housing assistance to financial and emotional support services.