525 Advisors is an independent firm specializing in helping our clients protect their savings and the people they care about most from the financial, physical and emotional consequences of an extended health care situation. Traditionally, long-term care insurance has been sold or presented to people as an add-on product by insurance company agents or through marketing agreements with financial advisors. Our experience has taught us that many advisors are still unaware of the recent changes and the new programs as they don't focus of long-term care. And many lack the skills necessary to design and place a client with the best program from the best company. A long-term care specialist will be able to answer questions that you did not even know to ask. They will have a clear understanding of how federal programs like Medicare and Medicaid work and how you can minimize your tax liability and protect your investments. They will be able to show you options from all the companies and help you narrow your choice. We are proud to have earned the Certified in Long-Term Care (CLTC) designation and pride ourselves on offering our clients a truly independent choice for long-term care planning.