Take a BREAK!
Don’t Let Care Costs Sneak Up on You When it comes to financial planning, most of us think about retirement savings, wills, and dream vacations. But one critical piece that’s often forgotten about is long-term care. While it’s not enjoyable to think about, planning for it now can be the key to protecting everything you’ve worked hard to build. Long-term care includes services like in-home assistance, nursing care, or assisted living, all of which Medicare doesn’t fully cover. With the cost of care rising yearly, even a few months of unexpected care needs can drain your retirement savings if you’re unprepared. The solution is planning ahead. Start with a realistic conversation. No one likes to think about needing help someday, but having a candid conversation about your preferences and expectations is a powerful first step. Whether you plan to age in place or explore other care options, knowing what you want helps guide financial decisions today. Explore your coverage options. Many people assume health insurance or Medicare will cover long-term care. Unfortunately, that’s rarely the case. Consider looking into long-term care insurance while you’re still relatively young and healthy because it’s more affordable that way. You can also explore hybrid life insurance policies or annuities that include long-term care benefits. Factor care into your retirement plan. When working with a financial advisor, ensure long-term care is part of your retirement strategy. This might mean setting aside a designated portion of your nest egg for future care, investing in a policy, or building PREPARE YOUR FINANCES TODAY
Hot Honey Mango Margarita
Inspired by HeySnickerdoodle.com
INGREDIENTS • Lime wedge • Chili lime seasoning • Ice • 10 oz mango chunks
• 1 oz lime juice • 3/4 oz Cointreau • 1 tbsp hot honey • Mango slices and additional lime wedges (optional garnish)
• 1/3 cup water • 2 tbsp sugar • 1 1/2 oz tequila
a family support plan. Whatever the path, the goal is the same: preserve your assets and reduce stress for your loved ones.
DIRECTIONS
Don’t wait for a crisis. The truth is that most families don’t talk about long-term care until they’re in the middle of a crisis, and by then, options are limited and expensive. Planning ahead puts you in control and allows you to make choices that align with your wishes, protect your finances, and offer peace of mind.
1. Coat the rim of your serving glass with chili lime seasoning, using a lime wedge to create the binder, then carefully fill with ice. 2. In a blender, add mango chunks, water, and sugar and purée until smooth. 3. Pour mango purée, tequila, lime juice, Cointreau, and hot honey into a cocktail shaker filled with ice. Cover and shake vigorously for 10–20 seconds. 4. Carefully strain the margarita mixture into the prepared glass. 5. Garnish with lime wedge and mango slices coated in chili lime seasoning if desired. Note: This delicious recipe can easily be made virgin by omitting the tequila and Cointreau!
2 LOCATIONS TO SERVE YOU! Jacksonville & Fleming Island
www.wolfretirement.com | 3
Made with FlippingBook Ebook Creator