Long-Term Care -Now is the time to prepare.


The prospect of long-term care (LTC) can be both emotional and overwhelming. Few want to acknowledge the possibility of an unexpected event—such as an accident, illness or general decline in health—that would necessitate these services, and LTC insurance and correlating products can be expensive and confusing.

While the need for LTC services may seem improbable now, the lack of a strategy for covering associated expenses can have burdensome financial consequences. LTC planning can help you protect your family, your legacy and your future.

What is Long-Term Care?

According to, long-term care is “a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs), such as bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence and eating.” *

Coverage & Solutions

We strive to help you preserve your wealth, maintain desired control of funds and fulfill your long-term care expense needs without detracting from your long-term financial goals.

We guide you through the exploration of the LTC options and solutions available to you and design a personalized, affordable plan based on your distinct situation, needs and preferences.

We offer consultation and education on LTC planning strategies, products, timing and policy provisions to help you make informed decisions.

Planning for Your Priorities

Long-Term Care Priorities Table




*, U.S. Department of Health and Human Services. “What is Long-term Care?” Last
modified February 21, 2017.


HighTower St. Louis is registered with Hightower Securities, LLC, member FINRA and SIPC, and with Hightower Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Hightower Securities, LLC; advisory services are offered through Hightower Advisors, LLC.

This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors.

All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. The team and Hightower shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice.

This document was created for informational purposes only; the opinions expressed are solely those of the team and do not represent those of Hightower Advisors, LLC, or any of its affiliates.