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Long-Term Care: The Missing Piece in Your Retirement Plan

A Secure Retirement Includes Long-Term Care Planning

A Secure Retirement Includes Long-Term Care Planning

A secure retirement isn’t just about saving—it’s about planning for the care you may need. While most retirement plans focus on growing wealth, few address the rising costs of long-term care. Without proper planning, the financial and emotional burden of care can fall on loved ones. Aging is inevitable, and with it comes the increased likelihood of needing care. At Roger Higa Financial Services, we specialize in long-term care planning and insurance, ensuring that long-term care is an integral part of your financial future, giving you peace of mind and control over your care options. 

Featured on KHON2: Roger Higa on the Importance of Long-Term Care

Roger joined KHON2 to discuss why long-term care planning is essential for Hawai‘i’s families. Watch the interview to learn how you can protect your future.

Why This Matters to Me - Roger's Personal Story

Long-term care planning isn’t just a part of my profession—it’s personal. As a caregiver for 2 members of my family, I’ve seen firsthand how long-term care needs can impact families emotionally and financially. The reality is, when families don’t have a plan in place, they often face difficult decisions during an already stressful time. I am passionate about helping clients prepare for the unexpected so their loved ones don’t have to shoulder the burden alone. With the right plan, you can ensure that your family has guidance and security when they need it most.

Why Long-Term Care Should Be Part of Every Retirement Plan

70% of people over age 65 will need long-term care at some point.<br/>

70% of people over age 65 will need long-term care at some point.

Medicare doesn&#8217;t cover most long-term care services, leaving many families unprepared for the costs.

Medicare doesn’t cover most long-term care services, leaving many families unprepared for the costs.

Long-term care costs are rising, and without a plan, assets can be depleted quickly.

Long-term care costs are rising, and without a plan, assets can be depleted quickly.

Lets Talk About Your Long-Term Care Plan
It’s never too early—or too late—to plan for long-term care. Whether you’re exploring your options or need guidance on an existing policy, we’re here to help.

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