Long‑term care now averages $100,000+ per year and is escalating faster than general inflation. Even estates of $3–5 million can erode in just a few years of private‑pay care.
Medicare pays for rehab, not custodial care.
Medicaid forces a spend‑down of personal assets first.
Traditional “use‑it‑or‑lose‑it” insurance often feels like a sunk cost.
Hybrid Policy Architecture
How to reposition low‑yield assets into policies that fund care or pay heirs—never wasted premiums.
Advanced Trust & Entity Structures
Medicaid‑compliant asset‑protection trusts for brokerage, real estate, and closely held businesses + Multi‑generational planning for citizens owning properties across states.
Tax‑Smart Funding Sequencing
Coordinating Roth conversions, charitable trusts, and hybrid LTC premiums to reduce lifetime taxes.
Care Navigation for Complex Families
Integrating concierge medicine, private duty care, and multi‑state residence issues.
Three Detailed Case Studies
Real clients, real numbers: See how these families safeguarded $2–$12 million estates from LTC shock.
Retirees, professionals, and business owners with $1 million to $25 million+ in investable net worth.
Trustees, POAs, and adult children responsible for affluent parents’ future care.
Anyone who “won’t qualify for Medicaid” yet refuses to self‑insure a potential million‑dollar risk.
Founder, Generations Wealth Partners. Architect of multi‑generational tax, investment, and liquidity strategies.
Certified Elder Law Attorney. 20+ years in Medicaid strategy, LTC trust design, and complex estate preservation.
Each household qualifies for a Complimentary Long‑Term Care Strategy Review—a private session mapping your current exposure, funding options, and next steps.
