Don't Wait Until You're Broke: How to Protect Your Assets from Long-Term Care Costs

Don't Wait Until You're Broke: How to Protect Your Assets from Long-Term Care Costs

From Talk Law Radio Podcast by Todd Marquardt

May 23, 2026 · 51 min

About this episode

Todd Marquardt and Joseph Warren discuss strategies to protect assets from long-term care costs and the importance of proactive financial planning.

Did you know that over half of Americans turning 65 today are projected to need some form of long-term care? With nursing home costs in Texas averaging thousands of dollars a month, relying on hope is not a financial plan. In this episode of Talk Law Radio , host and elder law attorney Todd Marquardt exposes the critical legal blind spots that can quietly erase your life savings. Joined by financial planner Joseph Warren, the duo breaks down the exact strategies you need to transition from a regular paycheck to a reliable, tax-efficient retirement stream, while legally shielding your home and assets from the soaring costs of long-term care. Don’t wait until you are broke to figure out the rules—discover the legal exceptions that can save your legacy. Key Takeaways & Highlights The Retirement Paycheck Shift: Joseph Warren from Financial Planning HQ explains why retirement isn't just an "investment problem". Learn how a coordinated strategy utilizing lower tax brackets and automated Roth conversions can protect your portfolio from sequence of return risk and inflation. The Reality of Long-Term Care Costs: Todd lays out the staggering numbers for home care, assisted…

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