My advisor has been talking to me about long-term care insurance, but I can’t afford it. I still have 20 years on my mortgage that I’d like to pay off. He’s got a lot of good ideas, but they all seem to cost money.
-Opal S., 62, Coventry, R.I.

Right now, I’m worried about the probability of living for 20 to 25 years or more. Living that long would cost a lot and I don’t know if I have the resources to provide for that scenario. Also, as part of that, we are working out the terms of our living will and our end-of-life wishes, should either of us be incapacitated.
-Abe T., 72, Dubuque, Iowa

I have discussed just about every-thing with my advisor over the years: investments, living trust, all of that. He’s been real great. He arranged things to make sure that our daughter will be taken care of when we die. That was our top priority in meeting with him in the first place. But he’s helped us do a lot more than just that.
-Albert D., 69, Albuquerque, N.M.

The question my husband and I have is ‘What happens if we need the money back?’ We wanted to know that we would be able to get it out without a lot of penalties and things like that. So he made sure to put us in a lot of investments that can be liquidated at any time without too much taken out.
-Carol L., 68, Alpine, Utah