The Long-Term Care Decision Most People in Their 50s & 60s Are Ignoring

Most people in their fifties and sixties know long-term care exists. They just don't plan for it — because thinking about it is uncomfortable. So they put it off. And putting it off is itself a decision. Just not the one they'd make if they were thinking clearly.

In this solo episode of Beyond the Numbers, fiduciary financial planner Chris Everett breaks down why long-term care is the financial risk with the highest probability of wiping out everything a couple spent 30 years building — and what a real strategy to protect against it actually looks like.

What You'll Learn:

• Why long-term care is the most avoided and most consequential financial decision most pre-retirees never make
• The reframe that changes everything: this isn't planning for sickness — it's protecting the retirement you built
• Why the average private nursing facility costs over $90,000 a year — and why Medicare won't save you
• How one long-term care event can erase 30 years of savings with no bad investment decisions involved
• Why waiting doesn't give you more time — it gives you fewer options at a higher cost
• The unique risk business owners face when this is missing from their plan
• Where to start building a real strategy before the window closes

Resources:
Everett Wealth Solutions: https://chris-everett.knowledgevaultpress.com/long-term-care

Free resource + Pre-Discover Session (30 min, no cost): https://calendly.com/ews407/30min?back=1&month=2026-06

Subscribe to Beyond the Numbers for conversations where money meets meaning and purpose.

Everett Wealth Solutions is a Registered Investment Adviser in the State of Illinois providing fiduciary financial planning and asset management across the nation.

Donata Stroink-Skillrud is a licensed attorney, certified information privacy professional, and the president and co-founder of Termageddon — a privacy policy platform covering 120+ laws that has helped thousands of businesses from solo entrepreneurs to Fortune 500 companies stay compliant as privacy regulations continue to multiply.

In this episode of Beyond the Numbers, she joins host Chris Everett for a wide-ranging conversation about what data privacy really means for business owners, what the regulatory landscape looks like right now, and how to protect your business without drowning in legal fees.

Donata's story starts with a Target data breach notice, a first date that turned into a business plan, and a career-long mission to democratize privacy compliance for the businesses that need it most but can least afford the lawyers to get there.

What You'll Learn:

• Why most businesses assume they're too small for privacy laws to apply — and why that assumption is dangerous
• The first step every business owner needs to take to understand their compliance obligations
• Why your privacy policy must match your actual practices — and the legal exposure when it doesn't
• The growing state-by-state privacy patchwork in the US and what it means for your business in the next 3-5 years
• The shocking license plate reader story — and what it reveals about how personal data is being shared without consent
• Why compliance always has to come from the top of the organization to actually stick
• How Termageddon is expanding globally — and what different countries' privacy laws reveal about their culture

🔗 Links & Resources:
Termageddon: https://termageddon.com/
Follow Donata on LinkedIn: / donata-stroink-skillrud

Subscribe to Beyond the Numbers for conversations where money meets meaning and purpose — bringing together voices from business, finance, law, and leadership to talk about the moments that shape us and the strategies that sustain us.

Everett Wealth Solutions is a Registered Investment Adviser in the State of Illinois providing fiduciary financial planning and asset management across the nation.

Most people don't lose money from bad decisions. They lose money from no decision — waiting for clarity that never quite comes while the window quietly closes.

In this solo episode of Beyond the Numbers, fiduciary financial planner Chris Everett walks through the three financial decisions that carry the highest cost of delay and why if you're between 58 and 67, right now is the most important financial window of your life.

Markets don't pause. Tax laws don't wait. And the cost of inaction compounds just as fast as a bad move.

What You'll Learn:

• Why waiting for clarity is itself a financial decision — and often an expensive one
• The 3 decisions with the highest cost of delay: Social Security timing, retirement plan rollovers, and early retirement income structure
• Why the difference between claiming Social Security at 62 vs. 70 can exceed $100,000 in lifetime income
• What the "decision decade" (ages 58–67) really means for your retirement outcome
• Why treating your 401k as set-it-and-forget-it is not a strategy — it's hope
• What an honest fiduciary conversation actually looks like — and why it consistently leads to better outcomes

Resources:
Everett Wealth Solutions: https://chris-everett.knowledgevaultpress.com/long-term-care

Free resource + Pre-Discover Session (30 min, no cost): https://calendly.com/ews407/30min?back=1&month=2026-06

Everett Wealth Solutions is a Registered Investment Adviser in the State of Illinois providing fiduciary financial planning and asset management across the nation.

Subscribe to Beyond the Numbers for conversations where money meets meaning and purpose.