{"id":29899,"date":"2017-07-07T12:11:13","date_gmt":"2017-07-07T16:11:13","guid":{"rendered":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/?p=29899"},"modified":"2017-07-07T12:11:13","modified_gmt":"2017-07-07T16:11:13","slug":"business-report-wealth-management-ground-2","status":"publish","type":"post","link":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2017\/07\/business-report-wealth-management-ground-2\/","title":{"rendered":"Business Report: Wealth Management From Ground Up"},"content":{"rendered":"<figure id=\"attachment_29900\" aria-describedby=\"caption-attachment-29900\" style=\"width: 197px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-29900\" src=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2017\/07\/long-term-care-column-brian-johnson-c-197x300.jpg\" alt=\"\" width=\"197\" height=\"300\" srcset=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2017\/07\/long-term-care-column-brian-johnson-c-197x300.jpg 197w, https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2017\/07\/long-term-care-column-brian-johnson-c.jpg 485w\" sizes=\"auto, (max-width: 197px) 100vw, 197px\" \/><figcaption id=\"caption-attachment-29900\" class=\"wp-caption-text\">Brian M. Johnson, director of business development. New York Long Term Care Brokers Ltd.<br \/>Courtesy Long Term Care Brokers Ltd.<\/figcaption><\/figure>\n<p class=\"p1\">By Brian M. Johnson, MBA, CLTC<\/p>\n<p class=\"p2\">If you\u2019re approaching age 50 or thinking of retirement, keep this acronym in mind \u201cSWAN.\u201d<\/p>\n<p class=\"p2\">Surveys from folks in this retirement planning age group are interesting because these concerns are almost always in their answers to questions such as:<span class=\"Apple-converted-space\">\u00a0 <\/span>What do you worry about after your working years are over?<\/p>\n<p class=\"p2\">Here are some top-concerns:<\/p>\n<p class=\"p2\"><b>\u2022 <\/b>Outliving my money.<\/p>\n<p class=\"p2\"><b>\u2022 <\/b>Keeping my nest-egg secure (no or little risk of principal).<\/p>\n<p class=\"p2\"><b>\u2022 <\/b>Dieing to soon.<\/p>\n<p class=\"p2\"><b>\u2022 <\/b>Becoming sick or disabled which in turn could eat up my retirement nest-egg.<\/p>\n<p class=\"p2\"><b>\u2022 <\/b>Becoming dependent on my children.<\/p>\n<p class=\"p2\"><b>\u2022 <\/b>Leaving a meaningful and significant legacy to my children\/grand-children\/charity.<\/p>\n<p class=\"p2\">These concerns are real-life and can happen to any of us without proper planning<\/p>\n<p class=\"p2\"><!--more-->This is where my \u201cSWAN\u201d comes in. It stands for Sleep Well at Night.<\/p>\n<p class=\"p2\">If you have this SWAN wish for yourself or a parent\/family member, then you need to speak with a competent financial\/insurance advisor that knows about a fairly new financial-insurance product that is extremely popular to folks approaching age 50 and above.<\/p>\n<p class=\"p2\">It combines long term care, critical illness and life insurance along with tax advantaged cash value build up that can be used as an annuity income stream for retirement.<\/p>\n<p class=\"p2\">Its truly a multiple-trigger insurance plan that has death, living and income benefits. If you don\u2019t need to leave a family member a death benefit, then consider using this as a bequest to your favorite charity, church or college. They will certainly appreciate it.<\/p>\n<p class=\"p2\">We recently worked with a local financial advisor and her client who wanted to SWAN.<span class=\"Apple-converted-space\">\u00a0 <\/span>She was age 52, in great health we accomplished her goals (the bullet points listed above). She and her advisor accomplished her objective of, as she put it, \u201cnot worrying about her financial future.\u201d<\/p>\n<p class=\"p2\">The problem that many of us have, is that infamous issue of<span class=\"Apple-converted-space\">\u00a0 <\/span>denial\u2014its not going to happen to me.<span class=\"Apple-converted-space\">\u00a0 <\/span>And it doesn\u2019t\u2014until it does.<\/p>\n<p class=\"p2\">One of the big issues we have is that folks wait too long to get these plans implemented.<span class=\"Apple-converted-space\">\u00a0 <\/span>And guess what? Their health changes for the worse, or they can\u2019t get standard rates or they\u2019re being denied any coverage at all.<\/p>\n<p class=\"p2\">I urge everyone to start this planning early.<span class=\"Apple-converted-space\">\u00a0 <\/span>Don\u2019t wait. Its less expensive when your younger and many times your healthy enough to get preferred rates.<\/p>\n<p class=\"p2\">Statistics show that 70 percent of us will need some form of long term care before we die.<\/p>\n<p class=\"p2\"><i>Johnson is director of business development at New York Long Term Care Brokers Ltd.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>By Brian M. Johnson, MBA, CLTC If you\u2019re approaching age 50 or thinking of retirement, keep this acronym in mind \u201cSWAN.\u201d Surveys from folks in this retirement planning age group are interesting because these concerns are almost always in their answers to questions such as:\u00a0 What do you worry about after your working years are [&hellip;]<\/p>\n","protected":false},"author":89,"featured_media":29900,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-29899","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-50-plus"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Business Report: Wealth Management From Ground Up - Saratoga Business Journal<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2017\/07\/business-report-wealth-management-ground-2\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Business Report: Wealth Management From Ground Up - Saratoga Business Journal\" \/>\r\n<meta property=\"og:description\" content=\"By Brian M. Johnson, MBA, CLTC If you\u2019re approaching age 50 or thinking of retirement, keep this acronym in mind \u201cSWAN.\u201d Surveys from folks in this retirement planning age group are interesting because these concerns are almost always in their answers to questions such as:\u00a0 What do you worry about after your working years are [&hellip;]\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2017\/07\/business-report-wealth-management-ground-2\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Saratoga Business Journal\" \/>\r\n<meta property=\"article:published_time\" content=\"2017-07-07T16:11:13+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/wp-content\/uploads\/sites\/48\/2017\/07\/long-term-care-column-brian-johnson-c.jpg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"485\" \/>\r\n\t<meta property=\"og:image:height\" content=\"740\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"Jake Van Ness\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jake Van Ness\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/\"},\"author\":{\"name\":\"Jake Van Ness\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/#\\\/schema\\\/person\\\/a11ec438b5f0e57f1156754ba3931b86\"},\"headline\":\"Business Report: Wealth Management From Ground Up\",\"datePublished\":\"2017-07-07T16:11:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/\"},\"wordCount\":459,\"image\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/wp-content\\\/uploads\\\/sites\\\/48\\\/2017\\\/07\\\/long-term-care-column-brian-johnson-c.jpg\",\"articleSection\":[\"50-Plus\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/\",\"url\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/\",\"name\":\"Business Report: Wealth Management From Ground Up - Saratoga Business Journal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/wp-content\\\/uploads\\\/sites\\\/48\\\/2017\\\/07\\\/long-term-care-column-brian-johnson-c.jpg\",\"datePublished\":\"2017-07-07T16:11:13+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/#\\\/schema\\\/person\\\/a11ec438b5f0e57f1156754ba3931b86\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/2017\\\/07\\\/business-report-wealth-management-ground-2\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/wp-content\\\/uploads\\\/sites\\\/48\\\/2017\\\/07\\\/long-term-care-column-brian-johnson-c.jpg\",\"contentUrl\":\"https:\\\/\\\/www.saratoga.com\\\/saratogabusinessjournal\\\/wp-content\\\/uploads\\\/sites\\\/48\\\/2017\\\/07\\\/long-term-care-column-brian-johnson-c.jpg\",\"width\":485,\"height\":740,\"caption\":\"Brian M. 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Johnson, director of business development. New York Long Term Care Brokers Ltd. 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