Protect your savings. Protect your family.
Most people will need some kind of care as they age. A plan made today decides whether that care comes from your savings, your children, or a policy built for it. I help you build the plan.
Four ways to pay for care
There is no single right answer. The right plan depends on your age, health, savings and what you want to leave behind. Here is what we compare together.
Traditional LTC
Stand-alone coverage that pays for home care, assisted living or nursing care. The most care for the premium.
Hybrid Life + LTC
Life insurance that can pay out for care. If you never need care, your family receives the death benefit.
Annuity + LTC Rider
Reposition existing savings into an annuity that can multiply its value when care is needed.
Chronic Illness Rider
Add living benefits to a life policy so you can draw on it early for a qualifying chronic illness.
Care costs hit the people you love first
- Health decides eligibilityCoverage is underwritten on today’s health. Waiting can mean higher premiums or no offer at all.
- Medicare is not a care planIt covers short skilled stays, not the months or years of daily help most people end up needing.
- Your retirement income stays intactA care plan keeps one health event from draining the savings meant for your spouse.
- Your kids stay your kidsFunded care means family can visit as family, not work a second job as caregivers.
“The best time to plan for care is before anyone needs it. Then it is a choice, not a crisis.”
Simple from start to finish
No pressure and no jargon. You leave every meeting knowing exactly where you stand.
Discovery call
A 20-minute conversation about your health, savings, family and what worries you most about getting older.
Your custom plan
I shop leading carriers and show you side-by-side options with real numbers, in plain English.
Protect & review
We put the right coverage in place, then review it as your life changes so it keeps up.
Derick Guyton
Care planning is all I do
Derick Guyton holds the CLTC (Certified in Long-Term Care) designation and serves as the long-term care specialist for Pacific Ridgeway Insurance Solutions. He helps families and retirees understand how care is paid for, compare every type of protection, and choose the plan that fits their budget and goals.
Pacific Ridgeway exists to help families protect, grow and distribute wealth. Derick brings that mission to the one risk most retirement plans leave out.
The Long-Term Care Planning Guide
Costs, coverage types and the questions to ask before you buy. Everything in one simple guide from Pacific Ridgeway.
Derick Guyton, CLTC
Book your free care review
Tell me a little about you and I’ll reach out within one business day. Prefer to talk now? Call or email directly.