Some of the most difficult conversations you will have with your clients are around aging and the need to prepare for the possibility that they may need some type of long-term care in the future. Many clients assume family members will care for them in their home if they become sick or need assistance with daily activities.

While many people would prefer to deny that they may at some point need long-term care, it is critical for clients nearing retirement to have a plan in place in the event of serious illness or incapacity.

Read the full article to learn how to approach the conversation with your clients and what they may need to consider as part of the planning process.