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You’ve worked hard to build a legacy.
We work hard to protect it.

We are consultative, creative, certified financial planners, wealth advisors, and insurance specialists certified in long-term care. We believe that long-term care policies are critical assets in your investment portfolio, securing your future care while protecting your financial legacy.   






We take a 360-degree view of how Long-term Care could impact you, your family, your assets and your lifestyle. We work with the top carriers in both traditional and hybrid Long-term Care markets, and tailor the insurance plan that best fits your individual, family, and financial needs.

Long-term Care policies offer several options, and it can be challenging to sort through the detail. Not to worry: we do the sorting, explaining, and educating for you and with you. 

We understand how the need for Long-Term Care could impact you, your family, your assets, and your lifestyle.  

We align your family and financial goals and match you with the right options and best plans.



Since you can’t predict what your future needs will be, you may want to buy
a policy with flexible options. Depending on the options you select, long-term care insurance can help you pay for the care you may need, whether you are living at home or in an assisted living facility or nursing home. There are policies with flexible options that  might also pay expenses for care coordination and other services. Some policies will even help pay costs associated with
modifying your home so you can keep living in it safely.


Long-term Care policies bridge a critical gap in employer-based health coverage which will not pay for daily, extended care services. And, while Medicare will cover a short stay in a nursing home, or a limited amount of at-home care,
it is only under very strict conditions.

See our Long-term Care Video Library to learn more about
Long-Term Care Insurance, and the options that might be right for you.


It’s personal.  


We provide clients with the peace of mind that comes from having a long-term care policy tailored to meet their care and financial objectives.  

Having experienced the disruptive, emotional, and financial impact that a
loved one’s need for long-term care has on a family, we are driven to protect our clients’ well being, and financial legacies with long-term care policies that
meet their family and financial goals. 

Susan Allen, CFP is the Principal of The Capital Legacy, and its Long-Term Care division. The short video above tells the
Long-term Care story of Susan Allen’s  her family, and why she made it her mission to ensure that clients understand the benefits of having a long-term care policy as part of their financial portfolio. A Long-term Care client, Andrew, also shares his personal, family’s experience with when his father needed long-term care following a significant health challenge.

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