Long Term Care Radio with Brian Ott: Recent Episodes

KIRO Radio 97.3 FM

As a certified Long-Term-Care Planning specialist, Brian will share with you the best way to protect your savings and family from the financial, physical and emotional consequences of an extended health care situation. Live and local call-in radio at its very best. Saturday mornings at 8 am on KIRO Radio 97.3 FM.

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Top Three Plans

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Avoid Rate Increases

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Plans Aren't The Same

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When Zero ROI is Good

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Too Expensive

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Premium Increases

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Protecting Special Needs Children

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Using Insurance to Pay Family

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Whose Money is Your Money?

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Cost of Waiting

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Top Three Plans

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Reasons to Look Into Planning

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Long-Term Care Basics

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Staying Independent

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Design Considerations

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Why G.E.T.?

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Live On, Leave On, Move On

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Adding Coverage to an Existing Plan

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Buying a Plan for Family

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Getting More Back Than You Put In

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Funding with Retirement Accounts

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Reason People Don't Plan

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No Free Lunches

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Tax Advantages of a LTCi

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Leverage and Efficiency 

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Medicare and Long-Term Care

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Don't Buy Price

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Know What You're Buying

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Why Asset-Based Plans Work

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Watch Out for Inflation

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Supplement Your Income

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Real Claims Experience

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Managing Your Claim

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Avoid Facility Policies

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Funding Options

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Taxes in Retirement

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Liquidity and Guarantees

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Vegas and Insurance

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January 7, 2023

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12-31-22

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December 24, 2022

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Traditional Plans

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De-Risk with Insurance

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Know What You Are Getting

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Savings and LTC

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Claim Time

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5 Misconceptions

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LTC Awareness Month

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Picking the Right Plan

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Not A Nursing Home

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Repositioning Assets

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Long Term Care Myths

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Paying Family

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Savings, Inventing, Insurance

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Too Good To Be True

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Lifetime Benefits

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State Partnership

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Understanding the Process

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Is mandatory care the answer?

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Medicare and Medicaid

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Hidden Costs

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Three Unique Funding Options

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How Claims Work

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Funding Options and Riders

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What is Long-Term Care?

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Life Insurance and Long-Term Care

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When Should I Plan

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Uninsured Consequences

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Deducting Premiums

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Funding Options

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Why Gurantees Work

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Aging in Place

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When Insurance Doesn't Make Sense

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All You Can Eat

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Paying Family Members

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Current Trends

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Plans for Larger Estates

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Plans for Smaller Estates

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Avoiding the Nursing Home

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If You Can't Get Coverage

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Key Design Elements

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Asset-Based Plans

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Cost of Care

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When Coverage Runs Out

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Application Process

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Risk Tolerance 

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How Much Do You Need?

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January 15, 2022

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The Basics

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2021 Recap

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My Story

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Medical insurance versus Long-Term Care

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Government or Private Pay

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Who's Going to Pay?

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Claims Process

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November 6, 2021

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October 30, 2021

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Advantages of having a plan

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October 16, 2021

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Savings Based Plans

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New Plans Pay You Back

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Funding Options

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7702b Asset Plans

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September 11, 2021

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Brian Ott explains the difference between your plan's necessities and desires, plus prioritizes your essentials and optional coverage in this week's episode of Long Term Care.

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With future adjustments necessary for your long term care plan in regards to new state taxes, Brian Ott explains how to best protect and utilize your coverage in this week's episode of Long Term Care Radio. 

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Brian Ott guides you through the path to getting the most out of your insurance plan resources and finding quality coverage in this week's episode of Long Term Care Radio.

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Let Brian Ott help you see the benefits of creating your own long term care plan and the way benefits are helpful in the long run.

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Get the guidance you need with Brian Ott for utilizing all your tools and benefits through your long term care.

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Learn more about finding the right place of care for you with the best community engagement and social interaction in this week's episode of Long Term Care with Brian Ott.

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Brian Ott gives you guidance and tips for how to add long term care to your insurance while also holding on to your existing plan.

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Want to know more about how to make your existing life insurance plan work with long term care? Brian Ott dives into the details and benefits of combining long term care with your coverage.

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Learn about the costs of personal long term care at home and the ideas Brian Ott has for you to get the best out of your plan. 

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Brian Ott talks about how to make the right investments in your portfolio and discusses the importance of insurance for your long term care.

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Brian Ott helps you figure out the relationship between long term care and taxes, especially with things changing. Let Brian Ott help you discover your best option for long term care

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Brian Ott guides you through the clear path to long term care and staying away from plans that may not be necessary for you.

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Long term care follows in the footsteps of companies changing their policies and programs with new technology on the rise.

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Make sure you are taking advantage of everything your long term care plan provides, including taxes. 

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Don't rely on a government plan for your long term needs, let Brian Ott help you figure out what you need and what will suit you best.

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This week, Brian Ott wants to make sure you are prepared for emergency situations that may arise concerning long term care and your options.

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This week, Brian Ott looks into funding options for long term care and also gives his thoughts on advice given from other popular finance shows.

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Brian Ott takes your questions this week and helps you figure out the process on filing a claim with your long term care plan.

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Brian Ott wants you to be prepared for the upcoming changes to taxation and long term care here in Washington. This week, he shows you steps in the process to make sure you are putting your money in the right places. 

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Brian Ott returns with more ways to navigate the changing landscape of long term care insurance in Washington State. Listen in for steps you can and maybe should take.

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This week, Brian dives into the plans of listeners and helps them see if they are in the right place at this time. Brian also gets you ready for the upcoming changes in Washington law. 

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This week, Briant Ott dives into advice from Ric Edelman and helps you figure out the steps you should take surrounding long term care insurance.

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This week, Brian discusses taking steps to ensure that the last years of you or your loved ones lives are the best and the importance of legacy.

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Brian looks to help get your plans for Long Term Care rolling with this episode of Long Term Care Radio.

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This week, a phone call from a CPA has Brian Ott reflecting on a client and the process leading up to activating long term care.

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Brian Ott explains what the new rules are in Washington surrounding taxes and Long Term Care. All that and more on Long Term Care Radio

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Brian Ott navigates the complicated world of taxes and helps you create a plan to effectively take care of your taxes, including things you may have missed.

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Brian Ott discusses how to plan on having a family member stay with you, instead of a care facility for long term care. There's also advice on how to save and plan ahead for your family.

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Brian Ott discusses the planning it takes to navigate long term care and also highlights the importance of learning about the members of your community. 

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Brian Ott discusses how it might be possible to deduct your long-term care plan premiums from you income taxes depending on your plan.

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Brian Ott discusses how cash back works on a long-term care plan.

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Brian Ott discusses about how to determine how much long-term care you will need.

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Brian Ott discusses his thoughts on long-term care and disability.

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Brian Ott talks this week about how important it is to educate yourself about the differences in long-term care plans before you purchase to make sure the plan you choose is right for you.

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Brian Ott talks about why insurance is important when deciding on any long-term care plans.

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Brian Ott recaps the year and looks ahead to next year with a plan to make sure you are ready for long term care. 

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Brian Ott talks about how to be prepared for staying at home longer during the pandemic and how this is a form of long-term care.

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Brian Ott discusses the details of if trust accounts actually work.

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Brian Ott talks about who will be and how will they manage you care and what that level of care be.

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Brian Ott talks about what Estate Planning is and how you need to make your plan in advance with your long-term care plan.

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Brian Ott talks about the effects long-term care of a loved one with a cognitive impairment can have on the caregivers.

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This week, Brian Ott discusses the biggest threat facing our health and it might surprise you what that threat is. 

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This week Brian Ott discusses how procrastination can lead to major issues and tackles the age old question, is cash king?

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Long Term Care Radio returns to KIRO Radio and this week Brian Ott discusses the changes insurance companies and clients have experienced due to COVID

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Want vs. Need

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Brian Ott talks about health insurance costs and what triggers your long-term care insurance plan.

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Brian Ott talks with Madeline about how your health impacts long-term care underwriting.

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This week, Brian Ott talks about traditional long-term care plans and when is the right time to invest in one.

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This week, Brian Ott talks about how you know you are getting the best price for your long-term care plan.

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This week, Brian Ott discusses planning options for your long-term care plans.

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Brian Ott discusses how he got started in Long-Term care. He talks about the basics of long-term care planning.

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Brian Ott talks about five of the most common misconceptions people have about long-term care planning.

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Brian Ott talks about funding options for long term care and continues some of the conversation from last weeks show "Rent vs Buy".

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Brian Ott discusses which is financially better, renting or buying.

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This week, Brian Ott talks about about Government programs and how a long term care plan works with these plans.

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Brian Ott takes of the question do you need Long Term Care insurance with a trust fund already set up? Discussion about estate & trust planning and how it works with long term care.

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Brian Ott talks about how a long term care plan is designed and how different it is from most insurance plans.

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Brian Ott talks about long term care plans, and how some plans can sound too good to be true.

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This week, Brian Ott talks more about your need and the importance of having a long term care program. He gives you information about a couple discount.

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Brian Ott discusses how he and his family plan on spending the holiday this year. He discusses stories about his childhood of fireworks in Colorado which leads to a discussion about staying independent while planning for your long term care.

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This week, Brian Ott talks about the differences between informal and formal care in regards to a long term care plan.

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Brian Ott talks about what inflation riders are and how they can impact your long term care plan.

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Brian Ott talks discusses when you should use your income or use your assets.

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Brian Ott talks to you about estate planning and the best long term care for you.

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Brian Ott talks to you about Long Term Care options, time lines, and how you can get in on his online seminar before they fill up.

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Brian Ott talks about options for long term care plans and market conditions you need to consider when choosing the right plan for you.

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Brian Ott talks about the differences and benefits of Joint and Shared Care Plans.

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Brian Ott discusses the differences between formal and informal care. He also tells you what could possibly happen to you should you need care and don't have a plan in place.

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Brian Ott discusses risk management in long term care planning.

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Brian Ott talks about why you should want a long term care plan. He shares personal examples and speaks to the importance of a long term care plan.

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Brian Ott discusses important tax deductions you should consider as part of your long term care,

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Brian Ott discusses the different long term care funding options that are available.

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Brian Ott is joined by Madalyn Lutsch and discuss how Long Term Care plans work overall and how important it is to have a plan set up in these uncertain times.

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Brian Ott and Madalyn Lutsch discuss the changing times, consequences of needing care and the creation of webinars to help people with their Long Term Care questions.

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Brian Ott talks about the right amount of coverage and how do you design a plan and how much coverage is enough.

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Brian Ott helps you plan for the uncertain times now and to come.

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Brian Ott talks about how to make plans pay to make your money go further.

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Brian Ott discusses in detail the best way to find the best continuing care retirement communities.

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Brian Ott and Madalyn Lutsch talk about the importance of getting and the problems with waiting to get Long Term Insurance.

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Brian Ott shares a story about his first mattress store and dives in with Madeline to answer a listeners question about Asset Based Plans.

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