Top long-term care insurance financial advisors
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
You need a long-term care insurance advisor if you're planning for potential future care needs that could last years, such as assisted living or in-home nursing. Without expert guidance, you might underestimate coverage gaps or overpay for unnecessary benefits.
- Policy customization. Look for advisors who tailor coverage to your health status and family history, not just off-the-shelf plans.
- Benefit triggers. Ask how they define when benefits start paying out, since vague terms can delay or reduce your claims.
- Cost management. Confirm they help balance premiums with inflation protection to keep your plan affordable over time.
- Claims support. Check if they assist with navigating claims processes, which can be complex and time-consuming.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Aden P
CFP®, Series 65
Greenville, SC
Foundations Investment Advisors LLC
Aden Partee specializes in long-term care insurance, offering tailored financial planning with flat fees ranging from $500 to $5,000, which may appeal to clients seeking transparent costs. Based in Simpsonville, SC, he brings a blend of fundamental and technical analysis through JEHM Wealth & Retirement, LLC, serving both individual and high-net-worth clients with a client-specific asset allocation approach.
Experience: 2 years
Avg account: $340,025
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Carey Y
Series 63, Series 65
Crown Point, IN
Equity Services, inc.
Carey Yukich specializes in long-term care insurance, leveraging 24 years of experience and a flat-fee structure that includes financial planning fixed fees up to $1,200. Operating from Crown Point, IN, he works with a large firm that serves diverse clients including individuals and trusts, offering tailored asset management through proprietary and third-party platforms. His background as a founder and board member adds depth to his advisory approach compared to others in the US.
Experience: 25 years
Avg account: $221,971
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Phillip R
CFP®, Series 63, Series 65
Lawrence, KS
Rademacher Financial, Inc.
Phillip Rademacher's 33 years of experience and CFP® certification equip him to address long-term care insurance needs with a focus on retirement-plan consulting and participant education. Operating independently with a flat-fee structure, his firm offers discretionary portfolio management and serves a diverse client base including individuals and trusts, which may provide broader financial planning context compared to advisors with narrower specialties.
Experience: 34 years
Avg account: $568,489
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James N
Series 63, Series 65
Chicago, IL
IP Financial Advisory Services LLC
James Neaylon specializes in long-term care insurance and has 39 years of experience, making him well-equipped to help plan for extended care needs. Based in Chicago, he offers flat-fee consulting and financial planning through IP Financial Advisory Services, which focuses on customized portfolios for individual retail clients rather than high-net-worth individuals, providing a tailored approach distinct from larger firms.
Experience: 39 years
Avg account: $240,578
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Gregory S
Series 63, Series 66
Atlanta, GA
Smarr Financial Services Inc.
Gregory Smarr specializes in long-term care insurance, offering tailored coverage analysis and claims support, which is crucial for managing future care needs effectively. Based in Atlanta, GA, he operates independently with a flat-fee structure and brings 20 years of experience, combining financial planning with insurance services, including life and disability insurance, which may provide a broader risk management perspective compared to other advisors.
Experience: 20 years
Avg account: $610,840
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