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What is Long Term Care?

When people consider the subject of long-term care, they often think about nursing homes. In fact long-term care has little to do with nursing homes.  Understanding the difference can help you protect your family and finances. Long-term care encompasses the care,...

Do you know all you need to know?

Long Term Care.  When those three words are spoken, what comes to mind?  Many make the common association with a nursing home.  Others may mistakenly think that they are already covered for related long term care matters through their health insurance or disability...

Have a Plan for Care

Planning, planning, planning. It seems like that’s all we hear about these days. Career planning, family planning, financial planning, retirement planning. Then what? What do we plan for after planning for retirement? We also need to plan for living a long life. As a...

Long Term Care – Wake up, don’t snooze and lose!

You’ve heard it a thousand times, “You snooze, you lose!”  And to some degree, it’s true!  Meaning, if you don’t rush out to the store, you’ll probably miss out on that great sale; hence, paying more for that item.  But that’s okay, it’s happened to all of us. ...


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Please send a testimonial.


Hi Ray, Great news…..Carol and I want to thank you for guiding us through the important LTC planning journey. Your specialized experience and knowledge of LTC along with you certification made us feel very comfortable as we went through the process. Also, your patience was so very much appreciated. As I mentioned to you yesterday on the phone it is difficult for us to admit that we are at the age of this getting old “stuff”. Although the monthly payment is like having a permanent car payment we realize that this is certainly different. There will be no depreciation and more importantly it will have a very positive impact and will provide peace of mind knowing that this getting old “stuff” will be a lot less painless for each of us when it is time to utilize the CARE. I wish we could have thanked you in person so you could see the happiness in our faces.
The Echols