In this episode, Catherine Magaña, Greg Carroll, and Vince Stefano welcome special guest Robert Sharon, a Certified Financial Planner and Accredited Estate Planner with decades of experience in insurance and long-term care planning. Robert breaks down why a long-term care event can put even a well-funded retirement under pressure—and why simply having significant assets doesn’t mean you should ignore the risk.
They discuss:
• The potentially significant cost of in-home care, assisted living, and memory care
• Whether it makes sense to self-insure for long-term care
• Traditional coverage vs. hybrid and life insurance strategies
• Protecting a spouse when one partner needs extended care
• Why you may only need to cover part of the risk
• The “forgotten risk” that could be hiding in your retirement plan
Long-term care planning isn’t about over-insuring—it’s about understanding the risk and making sure your retirement strategy is prepared for the unexpected.
Date Recorded: 8/27/26
Disclosure:
WWM Financial is an SEC Registered Investment Advisor
The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry and how we may be able to assist. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. As always please remember investing involves risk and possible loss of principal capital. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. wwmfinancial.com | 760.692.5190
