Clarity before crisis
Long-term care planning is not about insurance.
It is about family.
MyLTCStrategy helps families make important long-term care decisions before a crisis forces them to, with a process built around people, clarity, and the care experience your family deserves.
Are you an advisor? Partner with MyLTCStrategy
Independent. Planning-led. Based in Chandler, Arizona.
The reset
Most long-term care conversations start in the wrong place.
They start with statistics. They start with costs. They start with insurance products. Those things matter. But they should not be the starting point.
The better starting point is your family.
Who would be affected if care became necessary? Who would step in first? What role would your spouse, children, or loved ones be asked to play? What decisions would need to be made quickly? What would you want already understood before that moment arrived?
People before money. Decisions before crisis. Strategy before products.
LTC = Love The Caregiver
Without a plan, the responsibility rarely disappears.
It transfers to the people who love you most.
LTC does not only stand for Long-Term Care. It can also stand for Love The Caregiver. A thoughtful long-term care strategy does not assume the worst. It protects the relationships that would otherwise carry the weight if care were ever needed.
- Physically.
- Emotionally.
- Financially.
- Relationally.
Strategy before products
A policy is not a strategy.
A quote is not a plan.
The right solution should be built around what matters most: where you would want care, who you would want involved, how much flexibility you want preserved, and how much responsibility you want removed from your family.
Only after those questions are clear should we evaluate insurance companies, benefit designs, premiums, riders, and funding options.
Products fund the strategy. They are not the strategy.
The process
From uncertainty to clarity, in three considered steps.
01
Clarify
We begin with your family, care preferences, health, assets, and priorities.
02
Design
We evaluate which funding strategies may fit your goals and underwriting profile.
03
Decide
You receive a clear explanation of what fits, why it fits, and what tradeoffs matter.
Two paths, one standard of care
Wherever you start, the conversation is built around you.
For families
You do not need to know what policy you need. You need a better conversation.
If you were referred here, you do not need answers yet. You deserve a thoughtful conversation about what should happen if care is ever needed.
- · Educational, not transactional.
- · Built around your family.
- · No pressure, no quote-first pitch.
For advisors
A planning partner who protects the advisor–client relationship you built.
MyLTCStrategy gives your clients a planning-led LTC experience designed to reinforce the trust they already have in you.
- · Planning-led, never product-first.
- · Clear communication throughout the case.
- · Your role as trusted advisor reinforced.
About Chip
Experience matters.
So does understanding what families actually go through.
Long-term care planning became personal for Chip Sroufe through his own family. The MyLTCStrategy approach was built from what that experience taught him: planning is not only for the person receiving care. It is also for the people who love them.
Licensed insurance professional. Based in Chandler, Arizona.
Why planning matters
The facts matter. But they are not the whole story.
Long-term care planning should not be driven by fear. It should be driven by clarity.
~70%
Likelihood that someone turning 65 today will need some type of long-term care services and supports.
1 in 5
65-year-olds who may need care for longer than five years.
Generally not
Medicare typically does not cover ongoing custodial long-term care.
$129,575
2025 national median annual cost of a private nursing home room.
Sources: LongTermCare.gov / Administration for Community Living long-term care planning data and CareScout 2025 Cost of Care Survey, as referenced in the MyLTCStrategy planning materials.
A short conversation can bring clarity
before your family ever needs it.
Start the conversation and begin building your long-term care strategy.