Long-Term Care Awareness Month is an opportunity to build on initial planning conversations — moving from what clients want to protect to how a care need could impact those priorities.

Start the conversation with a few practical questions:

• Where would you prefer to receive care, and who would you want involved in decisions?

• How could a prolonged care need affect your income, savings and retirement strategy?

• What role might family members play — and have you discussed expectations with them?

• Which assets or goals would you most want to protect if care were needed?