Specialized Long-Term Care Planning,
Designed Around You
Guidance grounded in experience, built on understanding your needs,
& focused on doing what’s right for you
Planning for long-term care is one of the most important (and often most overlooked) decisions families face. Without a plan, choices are often made under pressure, with financial and emotional consequences that can be difficult to reverse.
Taking the time to plan ahead allows you to protect your assets, maintain control over your care, and reduce the burden on those you love.
Just as important as planning ahead is having the right guidance along the way.
At Collazo Care Planning, every recommendation begins with understanding your situation - your health, your finances, and what matters most to you.
As an independent long-term care specialist, I work with multiple leading carriers to provide objective, tailored solutions. There is no one-size-fits-all approach, only thoughtful, well-informed guidance designed around you.
It starts with understanding you
Before making any recommendations, I take the time to understand your health, your financial picture, and what matters most to you. Every plan is built around your situation — not a template.
Experience you can trust
With more than 20 years in the long-term care space, I help you navigate complex decisions with clarity and confidence, so you can move forward knowing you’ve made the right choices.
Professional expertise
I hold both the CLTC (Certification in Long-Term Care) and LTCP (Long-Term Care Professional) designations, reflecting advanced training in long-term care planning and a continued commitment to this specialized field.
Objective, independent guidance
I work with leading carriers, allowing me to compare options and recommend what truly fits your needs — not what’s tied to any one company.
I stay personally involved
This isn’t a one-time transaction. I’m here to help you understand your options, think through your decisions, and move forward with confidence.
PERSONAL GUIDANCE. EXPERIENCED PERSPECTIVE.
ADVICE YOU CAN TRUST.
You don’t have to figure this out on your own.
I’ll guide you through the process so you can make decisions that protect what matters most — today and in the years ahead.
Why work with Me
LTC planning isn’t just about choosing a policy,
it’s about making informed decisions that will
impact your finances, your independence, and your family
How I Can Help
Traditional & Hybrid LTC Strategies
We'll explore long-term care insurance and hybrid solutions in plain language, helping you find the right fit for your unique situation. Many LTC plans today offer guaranteed premium and a death benefit if you never need care.
For clients facing health concerns, I also provide specialized LTC strategies that can offer meaningful protection. These solutions allow us to explore alternatives and ensure that health history does not automatically eliminate the opportunity to plan.
LTC Planning After a Diagnosis or Health Change
Legacy & Family Planning Coordination
Aligning your strategy with your core family values and generational goals, ensuring a legacy that reflects what matters most. If you recently inherited an IRA, you'll want to consider this option.
Advisor and Attorney
Collaboration
We can partner with attorneys, CPAs, and financial advisors to seamlessly integrate care planning into broader wealth preservation strategies.
Retirement Asset Protection
Already have an LTC Plan?
Planning ahead can help protect your hard-earned retirement assets from the potentially devastating impact of care costs. Some LTC plans can be funding with IRA dollars.
Already have long-term care coverage? Let’s review your plan together to ensure it still aligns with your goals and provides the protection you expect.
The best time to plan for long-term care
is before a crisis
Prefer to connect directly?
Call 201.397.3358
or email Richelle@CollazoCarePlanning.com
and I'll be glad to connect.
Let’s start with a conversation, taking the time to understand your situation and explore options
that fit your health, finances, and family
No pressure. Just a place to start.