Long-term health care costs can drain resources in even the most carefully planned retirements.
Advisers who work with clients preparing for their post-career lives say starting the conversations early will help mitigate these surprises. But not all remedies are created equal. Some clients may be able to afford long-term care — including home health aides, residential community care and more — out of pocket. For everyone else, some form of insurance could be the answer.
