"Plan For The Unplanned"


Long Term Care and health costs must be planned for. For healthy single person aged 65 , there is a 70% chance that they will incur six figure LTC expenses and a couple has an astounding 90% chance. We can identify and help you examine your options now, rather than later, when they may have narrowed. We will help you analyze your LTC needs based on your:

  • Expected longevity

  • Insurability

  • Liquid assets

  • Risk tolerance


Go to the interview tab "Long Term Care" to hear discussions.


We can help you examine and implement your best options ranging from self-paying, traditional LTC insurance, tax-qualified LTC annuities, deferred annuities or life insurance with a long term care rider. With proper planning you can leverage your money to pay future bills.


Take a look at 2014 Florida costs: 


Bottom line plan now and avoid a catastrophe later, especially if you are a couple under age 70. Don't let the "last man/woman standing" become unnecessarily impoverished and dependent on Medicaid.


Here is a planning calculation using investments rather than insurance:


On a practical note, if you or a loved one already needs help with some of the activities of daily living (ADLs), a Registered Nurse (RN) with special LTC work history and training as a Professional Geratric Care Manager (GCM) can help manage someones care:

  • Select the proper Skilled Nursing Facility (SNF) or Assisted Living Facility (ALF)

  • Hire and oversee a home health agency or existing caregiver

  • Accompany to doctor office

  • Be on-call for emergency hospital visits

  • Coordinate medications between doctors and oversee proper dispensing

  • Provide assessments of physical and mental abilities 

  • Coordinate communications with remote family members with regular emails and phone calls.

  • Advocacy, consultation and crisis intervention

  • Promote optimal health and independence in the senior


Click here for the Aging Life Care national site and to select a local referal:







Long Term Care

Contact Us



Ringgold & Associates

1415 Panther Ln #308

Naples, FL 34105








© 2014 - 2016  Ringgold & Associates


1415 Panther Ln #308, Naples, FL 34105 | p: 239-591-6797 f: 239-591-6799 | dringgold@brookstoneadvisor.com


Richard Ringgold is an Investment Advisor Representative (IAR) with Brookstone Capital management, LLC, a Registered Investment Advisor (RIA) regulated by the Securities & Exchange Commission (SEC).  Ringgold & Associates is not associated with Brookstone Capital Management, LLC.  Past Performance of securities is not an indicator of Future Success.  Ringgold & Associates are not affiliated with or endorsed by the Social Security Administration or any government agency. Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional. Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional


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Certified Financial Planner Naples & Ft. Myers

Tactical Investments, Fixed Indexed Annuities, Life Insurance & LTC, IRA & 401(k)

Retirement Income, Estate Planning & Taxes, Social Security & Medicare

Contact Us


  • Morningstar Portfolio Risk Analysis

  • Social Security Optimization

  • Lifetime Income Planning

  • DROP & FRS Rollovers

Ringgold & Associates

1415 Panther Ln 

Naples, FL 34109


239-281-9561 (M)