“After personally seeing the true consequences of a long-term care event, I am convinced that long-term care represents people’s biggest uncovered risk.

– Bob Bingham, CFP™

Bingham, Osborn, & Scarborough


The Only Effective Way to Plan for Long-Term Care

The LTC Planning industry is heavily influenced by the insurance industry because the foundation of today’s LTC Planning is detrimentally rooted in the creation of LTC insurance. LTC insurance was invented and extensively promoted prior to the mass aging of America’s population, which is ushering in the need to plan ahead. This fact is responsible for most people lacking a plan for long-term care.

The most effective way to plan for long-term care is to clearly view LTC Planning as an integral component of financial and estate planning. Embracing this viewpoint makes it apparent that the first person to initiate your plan for long-term care is an Objective Financial Advisor.

Objective financial advisors are familiar with your unique situation and can work with an LTC Planning expert to make sure your plan is integrated with your personal and financial objectives.

The Smart LTC Planning process was created with the help of recognized Objective Financial Advisors. To start developing your Smart LTC Plan click here.

If you would like your current financial professional to learn more about the Smart LTC Plan approach, please click here and we will send them information.

We are happy to work with clients who do not live near our physical office. We have found that with effective use of technology, such as virtual web meetings, e-mail, and teleconferences, our clients are able to save time and still be served well.