Planning for the Retirement You Want—and the Care You May Need

On today's episode, Cheryl Scheidell is joined by Tammy Semler of Lighthouse Retirement Services and Jill Facarazzo of Futurity First Wealth Management for an important conversation about retirement planning, long-term care, and preparing for the unexpected.

Retirement planning isn't just about investments and income. It's also about understanding the potential cost of care, protecting your retirement assets, and making informed decisions about the resources available to you.

IN THIS EPISODE, WE DISCUSS:

With Tammy Semler:

• Why long-term care should be an essential part of retirement planning
• How likely someone may be to need long-term care during retirement
• How long-term care needs can last
• The potential costs of home care, assisted living, nursing facilities and memory care
• Common misconceptions about Medicare and paying for long-term care
• The role of family members in providing care
• Traditional long-term care insurance
• Hybrid life insurance policies
• Retirement-income strategies
• Self-funding long-term care expenses
• Repositioning assets
• Planning considerations involving Medicaid eligibility
• The first steps to take when you're concerned about future long-term care costs

With Jill Facarazzo:

• The biggest mistakes people make when planning for retirement
• How to determine whether you're actually ready to retire
• Questions to consider before leaving the workforce
• One thing you can do this year to potentially improve your retirement plan

MEET OUR GUESTS

Tammy Semler

Founder / Advisor
Lighthouse Retirement Services

Tammy helps clients navigate retirement planning and understand strategies designed to address income needs, retirement risks and long-term care considerations.

📞 623-244-0520
📧 tammy@lighthouseretirementservices.com

Jill Facarazzo

Futurity First Wealth Management

8501 E Princess Dr., Suite 210
Scottsdale, AZ 85255

📞 Office: 602-365-0474
📱 Text Only: 480-809-9016
📧 jill@ffigaz.com

YOUR HOST — CHERYL SCHEIDELL

Reverse Mortgage Specialist / Senior Mortgage Loan Originator
Barrett Financial Group, L.L.C.
NMLS #181106
Cheryl Scheidell — NMLS #886425

📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 ReverseMortgageAndBeyond.com
▶️ YouTube: @ReverseMortgageAndBeyond

Have questions about reverse mortgages, reverse mortgage purchases, second-lien reverse mortgages or how home equity may fit into a retirement strategy?

Call Cheryl at 480-817-4324.

The goal is education first—understanding the facts, the options, the costs and the questions you should be asking before making a decision.

IMPORTANT DISCLAIMER

This program and the information discussed are provided for educational and informational purposes only and are not intended to provide financial, investment, tax, legal, insurance, healthcare or Medicaid-planning advice.

A reverse mortgage is a loan and is subject to eligibility requirements, borrower obligations, costs and applicable program guidelines. A reverse mortgage is not right for everyone. Borrowers are responsible for meeting the terms of the loan and for maintaining the property, paying property taxes, homeowners insurance, HOA dues and other applicable property-related expenses.

A reverse mortgage may affect eligibility for certain means-tested government benefits, including Medicaid or Supplemental Security Income (SSI). Borrowers should consult with appropriate financial, tax, legal, insurance and benefits professionals regarding their individual circumstances before making decisions.

Information regarding long-term care costs, insurance products, Medicare, Medicaid and retirement strategies can vary based on individual circumstances and may change over time. Nothing discussed on this program should be considered a guarantee of future costs, benefits, investment performance or insurance coverage.

This is not a commitment to lend. All loans subject to credit approval.

Barrett Financial Group, L.L.C. NMLS #181106 | Cheryl Scheidell NMLS #886425 | Equal Housing Lender