Crisis Planning
A hospital discharge, a facility decision, or home care that's already started. Assets need protecting fast.
45+ Years in Long-Term Care Insurance
There are ten ways to fund
There are ten ways to fund
long-term care.
Most people know one.
Long-term care insurance, Medicare, Medicaid, VA benefits, annuities, trusts, private savings — each is a real, legitimate funding pillar. The question isn't which one is "best." It's which ones actually apply to your age, health, assets, timing, and state. Start with a free assessment.
Who We Help
Long-term care funding looks different depending on how much time you have. Pick your stage.
Transition Planning
The signs are here, but not urgent yet. Time to review coverage, directives, and the funding stack.
Advance Planning
Nothing has changed yet, but you want the options mapped out before you need them.
The Fastest Way to Know
Twelve questions.
Twelve questions.
A shortlist tailored to your situation.
The Journey Assessment asks about your situation, timing, health, assets, home, and veteran status — then tells you which pillars are actually open and which ones aren't worth reading about.
- Under four minutes. No email required to see your results.
- Rules out pillars that won't work, so you stop wasting time.
- Surfaces state-specific advantages — Florida's Lady Bird deed, spousal refusal states, income-cap states.
- Delivers a report you can download, print, and share with family.
The Core Framework
The 10 Funding Pillars, at a glance
Not mutually exclusive — most families combine two or three. Read the full breakdown of each, or skip straight to the assessment for a shortlist ranked to your situation.
Who's Behind This
45+ years in long-term care insurance, one plain-language framework.
George A. Mellendorf spent his career in the long-term care insurance industry before becoming a real estate agent and educator in Southwest Florida. This site distills decades of industry knowledge into ten plain-language funding pillars — no jargon, no fear tactics.
Read George's story →