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PODCAST

Preparing For Tomorrow podcast

Diane Stoddart, Certified Long Term Care Consultant, CLTC

Diane Stoddart, Certified Long Term Care Consultant, will show you how to protect your family and loved ones from the financial, physical and emotional burdens and consequences when long term care is needed. In each episode, Diane will help you to navigate through long term care concepts, terms and options and to discuss what strategies are available that can best protect both your family and your nest egg. We will invite guests to sit with us and share ideas regarding various parts of our lives

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All Episodes

14:01

Nov. is LTC Awareness Month & Family Caregiver Month...

Preparing For Tomorrow podcast ·

2025/11/13

We need to recognize the contributions and sacrifices that family caregivers make to help those they love who can't provide for their own daily needs. The reason most people own LTC insurance is to help those caregivers to not feel alone and isolated. If you don't own LTC insurance and you want to protect your family, assets and choices, schedule time with me to plan here Below are many resources to help caregivers help their loved ones better. Administration for Community Living https://acl.gov/

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13:09

Who is the LTC insurance really for?

Preparing For Tomorrow podcast ·

2025/11/06

This week, I'm kind of on a soapbox. It seems that some people will keep asking about LTC insurance until someone tells them they don't need it. No one knows if we'll need help living at some point or not. We need to ask ourselves who the insurance is going to help. We're going to get care whether we plan or not. We need to ask oursleves who wil suffer the consequences of our failure to plan. It's the people helping us. We say we don't want to "burden our family", but by not discussing where we want

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09:22

Questions we don't get as often but very relevant

Preparing For Tomorrow podcast ·

2025/10/30

This week, we decided to answer some questions that we don't get as often as some others, but they're still very relevant. When plannng for long term care needs, we need to gather enough information to be able to decide what kind of plans will fit our needs best. We're here to help and to address those questions that you may not have thought to ask. Listen and then schedule a phone or zoom meeting with me to design your plan to protect your family through an extended care need. Schedule here

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13:43

Which hybrid plan do I recommend most?

Preparing For Tomorrow podcast ·

2025/10/23

It seems that with nearly every person or couple I work with, a version of this question comes up. Which plan do I recommend most often? Although all LTC plans are similar in how to qualify for benefits, each company and even each plan within a company carries unique attributes to that are attractive to various wants and needs of interested buyers.. This week, Diane shares different/unique characteristics offered inside hybrod life/LTC plans. The premiums can't be too high or too low compared to

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15:30

Guest Interview: Jason Dutra with BuddyIns shares...

Preparing For Tomorrow podcast ·

2025/10/16

This is the beginning of our 6th year!!! This week, Diane interviews Jason Dutra with BuddyIns again. We discuss tax-benefits of worksite LTC insurance and hybrid life/LTC worksite plans. How are these plan offerings different than other group benefits that employers offer? How can employers use group life/LTC plans to show how much they care about their employees? When employees know their employer cares about them and their families, they are more productive. Everyone is happier, and employee

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12:05

Poor decisions when planning cause BIG problems later

Preparing For Tomorrow podcast ·

2025/10/09

This week, after hearing from a client who wishes she would have bought more insurance a decade ago, Diane shares decisions that others have made in the past and now regret it. These people, if they had thought through their decisions before making them, could have ended up with much better outcomes. When planning to provide for ourselves and protect our families, we need to take action. And we need to not skip the small things. The small things in these stories would have made all the

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11:30

Start Young & Get it Done Part 2

Preparing For Tomorrow podcast ·

2025/10/02

This week, we look at premiums of traditional, stand-alone LTC plans. Diane shares a plan that her clients designed 10 years ago when they were 49 and compares that to the same plan for a 49 year old couple today, a 59 year old couple today and a 69 year old couple today. Listen and learn how both premiums and benefits at each age (and time) differ. You'll be surprised when learning the total premiums paid at 49 and 69, and more importantly, the difference in benefits availabe at age 79 for each

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11:59

Start Young & Get it Done!

Preparing For Tomorrow podcast ·

2025/09/25

This week, Diane compares 10 year hybrid Life/LTC plans with 10 year paid up funding for a couple age 50, age 60, and age 70 to share why it's so much better for everyone when we plan early. Even though we don't want to think about it, at age 50, we need to consider what our 70 year old self, our 80 year old self and even our 90 year old self may be like and what kind of help we may need. Genuinely see the older people around you - your family, people at the grocery store, people walking out to

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09:23

Who's your quarterback? What's your defense?

Preparing For Tomorrow podcast ·

2025/09/18

It's football season! This week, Diane compares football to LTC planning. Every team needs a quarterback, position players and a strong defense. We also need depth - a back up plan in case something or someone isn't the right fit for our needs. We need strategies and gameplans so we are prepared for tomorrow. The most difficult part of LTC planing is we never know what we're going to need to defend against or when we need to be ready to defend. No one is sending a schedule in advance, so we need

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18:25

Guest Interview: Jason Dutra with BuddyIns shares...

Preparing For Tomorrow podcast ·

2025/09/11

This week, we're discussing worksite/group LTC plans, which have evolved a lot since group plans started being offered through employers. Jason Dutra with shares how they are committed to helping the 50+ million family caregivers in the U.S. today. He shares how today's worksite offerings differ from those offered in previous decades, including guaranteed premiums that never change. This was a big concern with past plans and has now been resolved. We discuss how worksite plans help both employers

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08:59

Less healthy? Less Wealthy? Less Young? There are...

Preparing For Tomorrow podcast ·

2025/09/04

So many people want a long term care plan with all the bells and whistles. They want a plan that will pay for everything that could ever happen. These plans are often priced higher than a budget allows. Why do people state that they want no coverage if they can't get the best plan out there? We don't do this anywhere but with LTC insurance. Do we not own a car because we can't afford a Tesla? No. Do we not eat because we can't afford the steak? No. When I work wit you, we work together to

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11:16

Just keep throwing seeds

Preparing For Tomorrow podcast ·

2025/08/28

This week, Diane sues te Parable of the Sower to share different reactions to LTC planning occur in the United States. Are you the hard soil? The rocky soil? The thorny soik? The fertile soil? After listening, you can scheudle a phone or zoom meeting with me to start planing to prepare for your family's tomorrow

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11:20

Questions that must be asked if you're told to self...

Preparing For Tomorrow podcast ·

2025/08/21

Many have been advised by a financial planner, estate planning attorney or other professional that they have enough assets to "self-insure" future LTC needs. The question is not "can I afford it?" but "Is this the best use of assets to fund future care needs?" This episode is full of questions you should be asking yourself and your advisors if they tell you you can afford to self-fund. Listen and schedule some time with me to consider the risk and search for the most cost-efficient ways to pay for

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12:31

LTC in Europe

Preparing For Tomorrow podcast ·

2025/08/14

This week, I'm sharing what I learned about public LTC funding in Germany and how it's managed. Their national/local public funding initiative is alreaday underfunded by taxes, and the aging population there is expected to increase by 37% over the next 30 years. This is miniscule as compared to our aging population in the U.S. We need to learn from our past mistakes as well as from what other countries are attempting in this arena. Thank you to the Center for LTC Reform for their articles and

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16:25

Which kind of plan is right for me?

Preparing For Tomorrow podcast ·

2025/07/24

This week, we're describing who may consider different types of LTC planning strategies and why. Stand-alone/traditional LTC vs. Hybrid Life/LTC vs. Hybrid Annuity/LTC. All provide tax-free benefits for extended care needs. Thank you to team for creating easy to understand documents that agents can share with their clients. Listen and consider which category of coverage can fit your needs and financial structure best and let's talk. Schedule a free consultation to learn more

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07:00

Understand how different annuities offer LTC benefits

Preparing For Tomorrow podcast ·

2025/07/17

In our third week with our couple in their 80s, we consider options to obtain the most LTC benefits from annuities. If you already own annuities, check for a Chronic Illness rider or LTC rider. If there is one, read it carefully as different rules apply to access enhanced benefits for care. If you need help understanding your rider, ask me for guidance Some pay the LTC benefits tax-free and some don't. Some require your need to be permanent, some don't. Some will enhance benefits for both

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10:43

How having a plan can help the whole family

Preparing For Tomorrow podcast ·

2025/07/10

Last week, I shared how not having a plan can create chaos throughout the whole family when long term care is needed. This week, I used the same need and family but added LTC insurance as a tool to help pay for care expenses. Listen and learn how helpful even a small plan can work to make life a little less difficult during a very difficult time. Then schedule some time with me to design your plan See current and projected costs of care (use 5% COLA to project Learn what your state's Medicaid

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10:48

What can happen without a plan?

Preparing For Tomorrow podcast ·

2025/07/03

This week, Diane shares a story of what can happen when there is no plan for extended care or long term care. With cataract surgery adjustments today and super dialated eyes, rhis is all that can be said this week. Sorry for any typos, I can't see well at all. Listen sand schedule to design your family's plan

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03:54

We need to focus on what we can control

Preparing For Tomorrow podcast ·

2025/06/26

We're getting bad news from what seems like every direction these days. Governments and media are all talking about wars and destruction. But this is not new. We've been through these kinds of events before, too many times, and we're still here and moving forward. We can't let panic, wars and market crashes control our choices. These thnigs happen without our input. We can control our clarity, courage and conviction to stay on course. If you've been considering planning for future extended care

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10:39

Annuity LTC Client turned $100K taxable gains to...

Preparing For Tomorrow podcast ·

2025/06/19

Hello all, I recently had cataract surgery in both eyes, and my eyes get tired if I look at the computer too long. I need to take breaks while recovering. Instead of discussing shared and individual LTC annuities this week, I need to share an episode that was aired last summer. This will remind you how LTC annuities can help both protect your family if you need extended care and also eliminate all those gains on your non-IRA annuities you've been holding on to because you don't want to pay more

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