Long-term care insurance addresses one of the most overlooked risks in retirement planning: the cost of extended care. Medicare generally does not cover in-home care, assisted living, or long-term nursing care, which can place significant strain on retirement savings. By providing a dedicated source of funding, long-term care insurance helps reduce financial uncertainty, protect assets, and support more stable long-term financial planning decisions.

Long term disability insurance is a key pillar of financial stability because it protects your income if an illness or injury prevents you from working. Without coverage, even a short period away from work can disrupt savings, debt repayment, and long-term goals. Understanding how long term disability insurance works helps ensure your financial plan stays intact no matter what life brings.

Learning how to freeze your credit is one of the simplest and most effective ways to protect your financial identity. A credit freeze blocks unauthorized access to your credit report, making it much harder for criminals to open fraudulent accounts. It’s free, easy to set up, and gives you full control over when your credit can be accessed—helping you stay protected in a world of increasing identity theft.