Protect Your Future. Preserve Your Independence.
As life expectancy increases, so does the importance of planning for extended care. Whether it's at-home assistance, assisted living, or nursing facility care, the costs of long-term care can be substantial—and without a plan in place, they can quickly erode your life’s savings or impact your loved ones.
At Brighton Securities, our Long-Term Care Planning Services help individuals and families in Rochester, NY and across the region prepare for the unexpected with confidence. We offer a personalized approach to evaluating care needs, understanding insurance options, and integrating long-term care into your broader financial and retirement plan.
Why Long-Term Care Planning Matters
Long-term care isn’t just a medical issue—it’s a financial and emotional one. The average cost of care continues to rise, and traditional health insurance or Medicare may not cover what you expect. Our goal is to help you build a plan that protects your assets, reduces family stress, and gives you more control over how and where you receive care.
We work with individuals, couples, and families to explore long-term care insurance options, hybrid life and care products, self-funding strategies, and asset protection plans—so your future is secure, and your choices are respected.
Common Long-Term Care Concerns
Planning for long-term care can feel overwhelming, but it doesn’t have to be. At Brighton Securities, we help answer the questions that matter most—so you can move forward with clarity and confidence.
What We Help You Do
At Brighton Securities, we understand that long-term care planning is about more than insurance—it's about preserving independence, protecting assets, and preparing your family for the future. That’s why we take a proactive, personal approach to help you navigate the complex world of care options, coverage, and financial impact. Whether you're planning for your own needs or those of a loved one, our team offers experienced guidance and continuous support. Here’s how:
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Evaluate Your Potential Long-Term Care Needs and Financial Exposure
Together with our insurance partners, we consider your current health care costs, family history, and financial position to estimate the potential costs of care—and identify the gap between what you may need and what your current plan will cover. Medicare does not cover long-term care.
Explore Long-Term Care Insurance, Hybrid Life/LTC Policies, and Annuity-Based Solutions
We help you compare all available coverage options—including traditional long-term care insurance, life insurance with Long-Term Care riders, and annuity-based plans—so you can choose a solution that’s flexible, affordable, and aligned with your goals.
Review Coverage Options and Costs with Major Long-Term Care Insurers
We partner with top-rated insurers to provide transparent comparisons of benefits, premiums, inflation protection, and waiting periods—so you know exactly what you’re getting before you commit.
Coordinate With Your Retirement, Estate, and Tax Plan to Protect Assets
We ensure your long-term care strategy works in tandem with your retirement income, estate planning, and personalized income tax strategy—protecting the wealth you’ve built and preserving your legacy for loved ones.
As your Trusted Financial and Insurance Partners, we bring together retirement planning, insurance expertise, and personalized care strategies to help you prepare for what’s next—without compromising your financial independence. We work with top-rated long-term care insurance providers and integrate coverage into your broader wealth and estate plan.
Whether you’re planning ahead for yourself or navigating care decisions for a loved one, we’ll be there to guide you through the process with insight, empathy, and trusted advice.
Serving clients throughout Rochester, NY, and the Upstate NY Region, Brighton Securities is here to help you plan with purpose, protect what matters, and age with dignity.
Plan Today. Protect Tomorrow.
Long-term care planning is a critical part of your financial journey. At Brighton Securities, we make it easier to understand your options and build a plan that gives you peace of mind.
Schedule a complimentary consultation today to learn how we can help you plan for care—without sacrificing your lifestyle, savings, or independence.