Reach the 360° Summit of Your Retirement & Legacy Plan

Only when you reach the summit can you see the full picture—your income, taxes, legacy, and the biggest hurdle most retirees face: long-term care.

Long-term care will impact over 70% of retirees in some way. The question is: Will you be prepared, or caught off guard?

First

Start with the 9 to Know™

Retirement Analysis

Secondary

View Your Annuity Blueprint

Options

The Steepest Part
of the Climb:
Long-Term Care

The biggest threat to a comfortable retirement and a smooth legacy isn’t always the stock market. Often, it’s chronic care — needing help with daily activities for months or years.

Over 70% of retirees will need some form of long-term care or chronic assistance
Costs can easily reach tens of thousands of dollars per year
Without a plan, families are forced into reactive, emotional decisions that can drain savings and strain relationships

This is why, in every consulting conversation, you show clients there are five ways to pay for long-term care — and why planning ahead matters.

The 5 Ways to Pay for Long-Term Care

Everyone will pay for long-term care in one of these ways — either by choice or by default. The goal is to choose intentionally

Cash / Out-of-Pocket

Using your savings, investments, and income as expenses occur. Simple, but it can quickly deplete your retirement funds and legacy.

Traditional Long-Term Care Insurance

A policy designed specifically to cover care costs. Pay premiums now to transfer some of the risk to an insurance company.

Annuity with Long-Term Care Riders

Annuities that can boost your income or provide additional benefits if you need chronic care.

Life Insurance with Long-Term Care Riders

Life policies that let you accelerate the death benefit to help pay for long-term care while you’re still alive.

The Government Plan

Depending on government programs after spending down assets and losing financial flexibility—often the default when there is no plan.

*Our process is simple: we help you compare these options and decide which combination fits your goals, health, family situation, and budget.

Start from the base of the mountain with clarity, not guesswork

Your 360° Planning Tools

9 to Know™ – Your 9-Question Retirement Analysis
In just nine questions, get a high-level look at:

How prepared your income plan is
Where taxes might blindside you
Whether your current plan supports your long-term care and legacy goals

Take the 9 to Know™ Assessment

Annuity Blueprint – Income, Growth, Legacy & LTC
Request a personalized blueprint showing:

Income annuities for guaranteed “paychecks for life”
Growth-focused annuities for asset accumulation
Legacy-enhanced death benefit solutions
Annuities or life policies with LTC-enhanced riders

Request Your Annuity Blueprint

Who the 360° Summit Approach Is For

We’re a great fit if you are:

Age 50–75, retired or approaching retirement
Concerned about not becoming a financial burden on your spouse or children
Want a clear income plan plus a long-term care strategy and updated estate plan
Prefer someone to walk you through options in plain English, with no pressure

Rick Pinarija, CEP®, CLU®, ChFC®, AIF®, RICP®

Certified Estate Planner®, and Retirement Income Specialist

For over 30 years, Rick has helped individuals and families climb from confusion at the base of the mountain to clarity at the summit of their retirement and estate plans.

He has seen firsthand how long-term care events, medical crises, and uncoordinated documents can derail good intentions. That’s why his focus is on:

Coordinating retirement income, tax strategies, and living trusts
Designing LTC funding strategies that protect both lifestyle and legacy
Making sure your plan is practical, understandable, and 360° complete

“My passion is simple: I don’t want families to go through the stress and chaos I’ve seen when there is no plan. Together, we can design a 360° strategy that supports you now, and the people you love later.”