INERTIA - Advisor Services Group

11/13/2025

It’s time for Long-Term Care "Accountability" Month, because you can’t Monte Carlo the need for care, draft a trust to avoid it, or find a deduction for the chaos.

It screams "accountability" when a Nationwide Retirement Institute Long-Term Care survey shows that 58% of U.S.

08/28/2025

Bruce Willis is a reminder that no one plans to get dementia, and also a reminder that Americans should plan like they will >>> https://www.linkedin.com/pulse/john-mclean-needed-long-term-care-planning-too-mike-padawer-cltc--tedde

08/27/2025

PAYING for Long-Term Care is transactional, but PLANNING for it is a process that ensures choice, control, and clarity as explained here: https://www.linkedin.com/pulse/empowerment-long-term-care-planning-mike-padawer-cltc--pe2re?trackingId=rvJEpaWHSKKbpddA2kixTg%3D%3D&lipi=urn%3Ali%3Apage%3Ad_flagship3_detail_base%3BTDJ5vj9jTQa%2BKqv4hecLDw%3D%3D

As Americans grow older, one of the most empowering things we can do for ourselves is to retain control over our future, especially when it comes to how care is received if the need arises. With that in mind, Long-Term Care (LTC) Planning is more than just preparing for potential healthcare costs—...

08/22/2025

As 75 million Americans move into and through retirement, EVERYONE in the advisory community must take Long-Term Care Planning seriously.....

Long-Term Care Planning is often the most overlooked pillar of financial and life planning. Yet, it affects every client, every family, and every professional involved in helping people prepare for retirement and aging.

07/21/2025

The Medicare Professional – BY DEFINITION – has no excuse for failing to address Healthcare In Retirement and Long-Term Care for consumers, as detailed here: https://www.linkedin.com/pulse/medicare-professional-its-time-elevate-your-mike-padawer-cltc--4zp0e

07/14/2025

Clients will tune out fear and clickbait-driven planning because real advice demands clarity and solutions — Not chaos and hyperbole.

The Silver Tsunami will crest with 75 million Americans in or entering retirement — many of them living longer than ever, and most entirely unprepared for the realities of caregiving, healthcare, and long-term support. So what do today's journalists and pundits bring to the table? Typically, I'd i...

06/12/2025

The U.S. Open, beginning today, reminds us that a great financial plan requires ALL the clubs in the bag, just like this >>> https://www.inertia-asg.com/advisor-resources/the-blog/a-great-financial-plan-requires-all-the-clubs-in-the-bag/

06/11/2025

The failure to implement Long-Term Care Planning will lead to chaos and crisis for advisors AND consumers, and here's why: https://www.inertia-asg.com/advisor-resources/the-blog/chaos-crisis-the-advisory-cost-of-failing-to-plan-for-ltc/

06/09/2025

Are you recommending clients use "Super Charged" Health Savings Accounts for their Long-Term Care Planning strategy like this >>> https://www.inertia-asg.com/advisor-resources/the-blog/super-charged-long-term-care-planning-available-to-millions-of-americans/

06/02/2025

Client planning without a Long-Term Care component is nothing more than crisis deferral, and here’s why that matters: https://www.inertia-asg.com/advisor-resources/the-blog/is-financial-planning-in-america-glorified-crisis-deferral/

05/15/2025

If you don't understand how and why Self-Funding future Long-Term Care needs is a liability and not a plan, please consider the following.....

Affluent clients are frequently told—or assume—they can self-fund their future long-term care (LTC) needs because they have the financial means to do so. But this belief often stems from a fundamental misunderstanding of the difference between self-funding and self-insuring.

05/05/2025

Effective Long-Term Care Planning for women starts with recognizing their unique challenges and concerns, as we discuss here: https://www.inertia-asg.com/advisor-resources/the-blog/ltc-planning-for-women/