The $150K Move Most Retirees Never Hear About

Here's a scenario most people never get walked through by their advisor.

A 63-year-old has money sitting in an IRA or 401(k) — pre-tax funds they've paid into for years, expecting to just draw it down in retirement. What if, instead, that money could be repositioned to cover long-term care for both spouses — tax-free?

The math: Roll over $150,000 at age 63. By 83, that can grow into roughly $650,000 of tax-free long-term care benefit — generating up to $10,000/month per person, or $20,000/month combined for a couple. One person's retirement account, two people covered.

And it's not limited to IRAs. Pre-tax funds in a 401(k) can be repositioned into an annuity and leveraged 4-7x for LTC, tax-free. Carriers like One America even add a bonus during the transition to help offset the taxes due over the following 10 years.

But here's what most people miss entirely: the admin, not just the cost.

Setting up care isn't a one-time decision — it's a job. Finding a provider, interviewing candidates, verifying they show up, checking their billing. That's roughly 20 hours a week, on top of the emotional weight of caregiving, for two to four years or more. Stack the financial, emotional, and administrative burden together, and it starts to explain a sobering statistic: 66% of caregivers pass away before the person they're caring for.

A plan that only covers the cost of care isn't a complete plan. The right strategy accounts for all three.

Book on this link here → https://calendly.com/jeungagency/long-term-care-planning-call

JeungAgency.com