John Enslin, Financial Adviser at The Enslin Group LLC

06/17/2026

Long-term care planning is one of those conversations that nobody looks forward to having, but avoiding it doesn’t make the risk go away.

Today, the average cost of a private nursing home room in the United States exceeds $120,000 per year, and many facilities continue to see costs rise faster than inflation. The average person who requires long-term care may need services for around 3 years, while some individuals require care for much longer.

Many families assume Medicare will cover these expenses. In reality, Medicare generally covers only short-term skilled care following a hospitalization. When personal assets are depleted, Medicaid may become the primary source of coverage. However, Medicaid is designed to be a safety net, and after death, states can seek reimbursement from the recipient’s estate through Medicaid Estate Recovery.

Another consideration is choice. If you are relying on Medicaid, you may not have access to your first-choice facility, and a private room may not be an option. Planning ahead can help put you in control of where and how you receive care.

Many long-term care insurance policies and hybrid policies today provide benefits that can help pay for care in your own home. For many people, remaining at home as long as possible is the preferred option, and proper planning can make that a reality.

The good news is that proper planning can help provide more options and greater financial security. Strategies such as long-term care insurance, hybrid life insurance policies with long-term care benefits, and incorporating long-term care planning into your overall retirement strategy can help protect retirement assets and reduce the burden on loved ones.

The best time to discuss long-term care is before there’s a health event. Planning early provides more choices, greater flexibility, and often lower costs.

It’s not a fun conversation, but it may be one of the most important financial conversations you ever have.

If you have questions about long-term care planning or how it fits into your overall retirement plan, let’s talk.

06/12/2026

The best financial plans aren’t built overnight—they’re built over time.

Investing for the long term isn’t about chasing the latest headline or trying to time the market. It’s about making good decisions consistently, staying disciplined through life’s ups and downs, and keeping your eyes on the goals that matter most to you and your family.

The earlier you begin planning, the more opportunities you have to make smart choices. Thoughtful tax planning from the beginning can help you keep more of what you’ve worked hard to earn. Small decisions made today can have a lasting impact on your future.

A strong financial plan should look at more than just investments. It should address the areas of life that can have the biggest impact on your family’s financial security, including:

• Investment planning
• Tax-efficient strategies
• Life insurance protection
• Disability income protection
• Long-term care planning
• Estate planning and legacy goals

Financial planning isn’t about finding a one-size-fits-all solution. It’s about creating a strategy that evolves with you through every season of life.

If you’re looking for someone to help coordinate all the pieces and serve as a resource when life’s big decisions arise, let’s have a conversation. The best time to plant a tree was 20 years ago. The second-best time is today.

Plan intentionally. Protect what matters. Invest for the long haul.

The Enslin Group
319-883-0742
[email protected]

06/04/2026

A recent national survey focused on how American college students are feeling about their money situation at a moment when simply a trip to the gas pump or grocery store can trigger cash anxiety.

National survey tracks with recent Utah poll regarding college-age students’ attitudes toward college, tuition.

06/03/2026

Many farmers have built tremendous wealth through hard work, discipline, and investing in their operations and farmland. Land can be an incredible asset, but being land rich and cash poor doesn’t have to be part of the plan.

A well-rounded financial strategy can help provide liquidity for opportunities when they arise—whether that’s purchasing additional acreage, upgrading equipment, helping the next generation get started, or navigating unexpected challenges. Building investment accounts alongside farmland ownership can create accessible capital without forcing difficult decisions about selling land or taking on excessive debt.

Investments can also play an important role in retirement. Farmland may continue to be a valuable asset, but having additional sources of income and liquid assets can provide flexibility, reduce stress, and help support the lifestyle you’ve worked so hard to achieve.

Every farm operation and family situation is unique. The goal isn’t choosing between land and investments—it’s finding the right balance that helps you achieve your goals today while preparing for tomorrow.

If you’d like to discuss how investments can complement your farm operation and long-term retirement plans, I’d be happy to help build a strategy tailored to your family’s needs.

05/29/2026

Parents, here is the site to sign your child up for the Trump accounts. Get your free $!

Get $1,000 for every American child born between January 1, 2025 and December 31, 2028.

The account is fully in your child’s name, and you are the sole custodian until they turn 18.

No contributions necessary—but you can deposit up to $5,000 per year to maximize growth.

Trump Accounts provide eligible American children with tax-advantaged investment accounts courtesy of President Donald J. Trump.

05/26/2026

A good financial plan is about much more than investments.

The planning process starts with understanding YOU — your goals, your worries, your family, your business, your retirement vision, and what you want life to look like years from now.

For some people, that means building wealth.
For others, it means protecting what they’ve worked hard for.
For many, it’s simply gaining confidence and clarity.

As financial advisors, our role is to help guide clients through all stages of life:
• Retirement planning
• Investment management
• Risk management
• Tax-efficient strategies
• Estate and legacy planning
• Business succession
• Major life decisions along the way

The market will always have ups and downs. A solid financial plan helps keep emotions from driving decisions and keeps your focus on long-term goals instead of short-term noise.

Planning isn’t about predicting the future perfectly.
It’s about preparing wisely for it.

That’s why the process matters just as much as the portfolio.

05/25/2026

This Memorial Day, we pause to remember and honor the men and women who gave their lives in service to our country.
We are grateful for their sacrifice and hold their families in our thoughts today.

05/18/2026

Every day on social media you’ll see posts claiming you need $1 million, $2 million, or even more to retire comfortably. The truth is… retirement is not a one-size-fits-all number.

Your retirement needs depend on YOUR lifestyle, goals, health, family situation, spending habits, taxes, income sources, and what you want retirement to actually look like.

Some people want to travel the world. Others want a paid-off home, time with grandkids, and financial peace of mind right here at home. Those are very different retirement plans.

Don’t let social media scare you into thinking you’re behind based on someone else’s numbers.

The best thing you can do is sit down with a financial advisor and build a personalized retirement plan designed specifically for YOU. That’s where real clarity and confidence come from.

As a financial advisor, my goal is to help individuals and families understand what THEY need to meet THEIR goals — not what an internet headline says.

If you’d like to have a conversation about your retirement future and build a plan tailored to your life, I’d be happy to help.

John Enslin
[email protected]
319-269-8446

05/18/2026

I see a lot of “memes” posting Roth Conversion as a strategy for everyone. It is not. It’s a strategy for the right situation.