Why I Built a Long-Term Care Conversation Starter Kit (And Why It's Free)

There's one conversation in all of financial services that nobody wants to have. Not clients. Not financial advisors. Nobody.

Long-term care.

I get it. It's uncomfortable. Nobody wants to think about the day they might need help with basic things like bathing, dressing, or managing medications. However, the families who handle long-term care with the least stress are the ones who talked about it before it became urgent.

I watched my own family go through this years ago with my grandmother. They scrambled and debated to figure out what she wanted, who was in charge, and how to pay for it. All of that could have been easier if the conversation would've been had sooner. That experience lit a fire in me, and it's a big part of why I do what I do today.

So I built something to help.

The Long-Term Care Conversation Starter Kit

It's a simple guide with five questions that you and your family can sit down and discuss together.

Things like:

• Who would be the primary caregiver?

• Who's going to oversee everything?

• Where do you want to receive care?

• How are you going to pay for it?

• Are your legal documents in order?

There are no wrong answers. The whole point is to get everyone in the same room, and on the same page, before a crisis forces the conversation for you.

This is not a sales pitch.

It's not a consultation disguised as a freebie. You download it, you use it with your family, and that's it. If down the road you want to talk about putting a plan in place, I'm here. You're in control and you decide if we should talk.

Who is this for?

If you're approaching retirement and you've never talked about long-term care with your family, this is for you. If you're an adult child who needs to have this conversation with Mom or Dad but doesn't know how to start it, this is also for you.

People aged 65 and older have a 70% chance of needing some form of long-term care in their lifetime. Not having this discussion means you're pretty confident that you're in that 30% of folks who won't need it. Those aren't great odds.

Go to talkltc.com and download the kit. It's free. No obligations. No strings. Just five questions that could save your family a lot of stress down the road.

Not having a plan is completely avoidable. You don't need perfect answers today. You just need to start the conversation.

Kit Kitchens President, Crossroads Financial Perry, Georgia