Long-term care isn’t just about nursing homes. It’s about making sure you—or someone you love—can live with dignity, comfort, and confidence when daily life gets harder to manage.

But here’s the truth: every family’s care journey looks different. And that’s exactly why early planning matters.

At Feliciano Financial Group, we help families plan ahead for care that aligns with their health, finances, and values—before those needs become urgent.

The Trust Gap: What People Think vs. What Actually Happens

Most people believe they’ll figure it out when the time comes. But when that time arrives—after a fall, a diagnosis, or a cognitive decline—your options shrink and the costs climb.

Many assume Medicare, Medigap, or retirement income will cover care. In reality, Medicare covers limited skilled care only—and only after a hospitalization. Custodial care (help with dressing, eating, bathing) is not covered.

By the time people find this out, they’re already in crisis.

That’s the trust gap. We help you plan smarter—so you don’t have to learn the hard way.

Different Needs. Different Paths. One Clear Plan.

🧑‍⚕️ Healthy and Independent, But Proactive

You’re active, capable, and want to stay in control of your future. We help you explore affordable long-term care coverage while your health and rates are favorable. We also look at hybrid life + LTC policies and asset-based alternatives to traditional coverage.

👵 Caring for Aging Parents

You’re already caregiving, juggling finances, logistics, and emotional strain. We help coordinate Medicaid planning, evaluate home vs. facility care, and set legal protections so your family isn’t left scrambling in crisis.

🧓 Single Seniors Without Family Nearby

You may not have children—or may prefer not to burden them. We help you design a plan that ensures professional care, supported by trusted fiduciaries, not strangers. You stay in charge of how and where care happens.

👫 Couples with Uneven Health or Age

One of you may need care much sooner than the other. We help protect the healthy spouse from financial depletion, ensuring the couple’s income and housing remain intact—even if the other requires long-term care.

🏡 Homeowners with Assets but Little Liquidity

You’ve built wealth—but it’s tied up in real estate or retirement accounts. We help explore smart funding solutions that preserve the home and access care—whether through Medicaid exemptions, annuities, or asset repositioning.

How We Help You Plan Ahead

• Evaluate your care preferences: home-based, assisted living, or skilled care
• Compare funding strategies: LTC insurance, Medicaid planning, private pay
• Coordinate legal planning: powers of attorney, trusts, and transfer timing
• Protect your spouse and family from financial exposure
• Reduce the emotional toll on loved ones by putting structure in place

Planning Doesn’t Start in a Hospital Room

It starts with a conversation. One that’s honest, proactive, and centered around what matters most to you.

📞 Call 903.533.8585 or visit FelicianoFinancial.com to schedule your planning session.

Let’s prepare together—so you and your family are never caught off guard.