Gyroscopic Investing

I'm sorry for the loss of your mother, jhogue. It is not easy to lose a close family member, especially a parent.

Two CFPs looked at my plan, and both told me to make no changes... just keep paying LTC premia. If I do that, the impact on my portfolio will be minimal.

One of them did say if I got tired of paying increased premia, I could partially self-fund into accounts only to be used for LTC, not for general retirement income.

just keep in mind these hybrid's can end up being the most costliest way to fund long term care