Whether it’s home health support, assisted living, or full-time nursing care, the numbers are staggering. The average retiree who needs long-term care will end up spending much more than they anticipated. And Medicare won’t save you—it doesn’t cover most of these services.

That’s why long-term care (LTC) insurance exists. 

But here’s the problem:

- The premiums are expensive.

- Most people don’t want to drain their portfolio to pay for them.

- And too often, the policy gets canceled just when it's needed most because the income plan didn’t account for it.

So, What’s the Solution?

Use private, income-generating bonds to cover the cost of the premium without touching your retirement principal.

Here’s How It Works

Instead of drawing monthly premiums from your IRA or portfolio (and worrying about sequence of returns risk), you can invest a portion of your capital into fixed-income, asset-backed bonds that pay out predictable monthly income. That income is then used to cover the cost of your LTC policy—automatically and consistently.

✔ Your premium gets paid

✔ Your portfolio stays intact

✔ Your family has peace of mind

And if you never need the policy? Great. The income still came in every month, and your principal was protected the entire time.

It’s Not Just About Planning—It’s About Control

Most retirees don’t want to rely on the government. They don’t want to leave tough decisions to their kids. And they don’t want to hope they’ll be okay if something happens.

This strategy gives you certainty.

By pairing income-producing private bonds with a robust LTC policy, you can offload the risk of catastrophic care costs—without sacrificing lifestyle or growth potential in the rest of your plan.

Why More People Are Using This Strategy

Let’s be honest: most people wait too long to think about long-term care. And when they do, it’s often too late to get coverage, or too painful to pay the premiums.

That’s why we’re helping more families structure this approach earlier—when options are wider, policies are cheaper, and bond income can go to work immediately.

It’s a quiet but powerful strategy that checks a major box in your retirement plan without creating more tax headaches or investment risk.

Want to See How This Could Work in Your Plan?

Get in touch with the Retirement Red Flags team at (872) 266-3015. We’ll walk you through the math and show you how to turn low-risk private bonds into long-term peace of mind.