Why Your Retirement Dreams Could Vanish Without This One Plan

Why Your Retirement Dreams Could Vanish Without This One Plan

So you want to sit on a beach chair with your partner, watching the world go by. Nothing to do, and all day to get there. That’s the dream, right? Long, quiet mornings, travel, time with grandkids, maybe volunteering for a cause that matters to you. But what happens when life doesn’t go according to plan?

What if it rains? What if your health changes? What if the costs of care start eating away at the savings you worked so hard to build?

Retirement isn’t just about having free time. It’s about being prepared for the unexpected. How much money will you really need—and how long will it last? Will your retirement lifestyle cost more or less than your working years? Will you be helping adult children or grandchildren financially? And what if they end up needing to help you?

Here’s the reality: More than 50% of Americans over age 65 will need some form of long-term care. The average cost? Around $5,900 per month for assisted living and $6,400 per month for home health care (CareScout, December 2024). Those numbers can quickly drain even the most well-planned retirement fund.

And no—Medicare and Medicaid aren’t going to save the day. They cover only a portion of long-term care services, leaving most people to fill in the gaps themselves. That’s why planning ahead is so critical.

At ARD Financial and Retirement Solutions, we help individuals and families prepare for this stage of life with long-term care insurance planning that’s clear, practical, and tailored to your needs. Whether you're in Arizona or California, our Advocates are here to walk you through your options—no pressure, just expert guidance.

Take Control of Your Future

Download your FREE Long-Term Care Insurance Guide today. You’ll learn:

• How long-term care insurance protects your savings and lifestyle

• What Medicare and Medicaid actually cover (and what they don’t)

• How to make smart decisions when comparing policies

• What common policy terms mean in plain English

• What’s trending in 2025, including tax benefits and hybrid coverage

Don’t let long-term care costs derail your retirement goals. Call (602) 332-0780 or fill out the form below to receive your guide and talk with one of our trusted Advocates. There’s no cost, no commitment—just peace of mind.

Retirement should be a time of freedom, not fear. Let’s make sure you’re ready.

Claim Your Free Long-Term Care Insurance Guide

Just fill out the form below or call 602-332-0780 to get instant access to our free guide. Inside, you’ll discover:

• How long-term care insurance protects your financial future

• What Medicare and Medicaid really cover—and what they don’t

• Smart tips for choosing the right policy

• Key terms explained in plain English

• 2025’s latest options, including tax incentives and hybrid policies

Don’t let rising care costs steal your retirement dreams. Fill out the form or call 602-332-0780 today. There’s no cost, and no pressure. It's just honest help and peace of mind.

Let’s Get Started

Protect your financial future and your family. Complete the form below or call 602-332-0780 to claim your free guide and speak with an ARD Advocate. ARD Financial and Retirement Solutions

Rebecca@ARDStrategies.com