Jeremie Hudson

12/08/2025

11/14/2025

There’s still time for you to make a difference this year!

11/14/2025

Let us help with your Long Term Care planning!!
Tom lived in Sarasota, Florida, with his wife, Linda.

For years, they talked about long-term care insurance—but Tom always said, “We have investments. We’ll be fine.”

Then Linda had a stroke.

Suddenly, “we’ll be fine” turned into $10,000 a month for her nursing home. Tom didn’t have coverage, so he started withdrawing an extra $120,000 each year from their investments to pay for Linda’s care.

On paper, he still lived on $200,000—but now he had to take out $320,000 total just to cover everything.

That decision cost him.

Because of the extra withdrawals, his federal taxes jumped by nearly $29,000 per year.�
And thanks to IRMAA surcharges, he and Linda now pay an extra $350 per month for Medicare—over $4,000 more each year.

And Florida? No state tax. But federal taxes and Medicare penalties didn’t care where he lived—they just followed the income.

Tom could have bought a lifetime long-term care plan years ago for less than what he now pays in penalties and taxes alone.

Now he knows: the real cost wasn’t just the care—it was the price of doing nothing.