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Long-term Health Care Planning

Protecting Your Family & Your Wealth

At Equilibrium Wealth Advisors (EWA), we know that long-term care isn’t just a financial issue; it’s a family issue, too. Let us show you how to set up a plan that provides long-term care without depleting your family’s inheritance. We guide clients whether they’re planning for their own care, aging parents, or legacy-level multigenerational health funding. With offices based in Pittsburgh, we serve clients locally and across the U.S. Contact us at (412) 991-1385 or request an appointment now.

You Need a Health Care Financial Consultant

With the average cost of high-quality care exceeding $100,000 per year, and most retirees facing a 70% chance of needing some form of care, the wrong plan (or no plan) can devastate wealth and create unnecessary stress for loved ones.


Our approach is proactive, tax-aware, and tailored. Our healthcare financial advisor helps you answer the two key questions: Who will coordinate care? How will it be funded?

Insurance-Based Strategies (The Middle Ground)

For families with $1 million to $7 million in assets, insurance can prevent a tax and liquidity crisis. We recommend several options as seen below.

Whole Life or Guaranteed Universal Life with LTC Riders.

Permanent coverage that provides flexibility, cash value access, and tax-free withdrawals for care. These strategies can provide $200K+ annually in tax-free coverage, while smoothing cash flow and avoiding bracket spikes from taxable portfolio withdrawals.

Self-Insurance Option (Typically $7M+ Net Worth)

High-net-worth families may be able to self-fund care, but planning is critical. We help structure assets strategically to protect care quality and minimize government control. For physicians and executives concerned about parents’ care, we’ve even structured life insurance policies on parents to pre-fund potential expenses, reducing the risk of surprise six-figure outflows.

Why EWA’s Process is Different

  • We don’t just “sell policies.” We evaluate your full balance sheet, tax bracket, and legacy goals.
  • We quarterback tough family conversations across generations, clarifying roles, updating power of attorneys (POAs), and reducing conflict before it starts.
  • We integrate LTC planning with estate, tax, and investment strategies, so every dollar works in harmony.


The result: peace of mind, tax savings, and family protection. Long-term care will always be emotional. With EWA, it doesn’t have to be financially devastating.

Is Our Wealth Management Approach the Right Fit for You?

See our Planning Philosophy, Investment Philosophy, and Our Process for more details.

Financial Planning for Nursing Home Care

EWA can help you plan for future health care with confidence and clarity. Because the real goal of long-term care planning isn’t just paying for care—it’s preserving dignity, independence, and family harmony. With offices based in Pittsburgh, we serve clients locally and across the U.S. Request an appointment now.