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Al Smith

Retirement and financial planning advisor at Golden Eagle Financial and recurring guest on Denver radio's Rush to Reason with John Rush (KLZ 560 AM).

Oct 14, 2026

10:21
Do clients ever ask you about, like, long-term care or assisted living, that kind of thing, later in life stuff?
10:27
Well, they do.
10:28
And, uh, if they don't, I talk about it a little bit when I have, um, events and so forth.
10:34
And it's the elephant in the room of retirement planning because once people reach 65, there's about a 50% chance that they will need long-term care for at least 90 days, and about half of those who need it for 90 days will need it for a year or longer.
10:53
And, uh, women especially, um, if they end up in assisted living or a nursing home, will spend about a year, year and a half longer on average than men do.
11:13
Well, if people want to be prepared for long-term care type situations, how are they gonna get in touch with you?
11:17
Well, it requires some planning, and we sit down and look at, uh, people's resources and how they would pay for that under certain circumstances.
11:25
And, uh, to have that conversation, you can reach me at 303-744-1128.
TJHOST
28:00
Do clients ever ask you about, like, long-term care or assisted living, that kind of thing, later in life stuff?
28:06
Well, they do.
28:07
And, uh, if they don't, I talk about it a little bit when I have, um, events and so forth.
28:13
And it's the elephant in the room of retirement planning because once people reach 65, there's about a 50% chance that they will need long-term care for at least 90 days, and about half of those who need it for 90 days will need it for a year or longer.
28:32
And, uh, women especially, um, if they end up in assisted living or a nursing home, will spend about a year, year and a half longer on average than men do.
TJHOST
28:52
Well, if people wanna be prepared for long-term care type situations, how are they gonna get in touch with you?
28:57
Well, it requires some planning, and we sit down and look at, uh, people's resources and how they would pay for that under certain circumstances.
29:04
And, uh, to have that conversation, you can reach me at 303-744-1128.
9:26
Do clients ever ask you about, like, long-term care or assisted living, that kind of thing, later in life stuff?
9:33
Well, they do, and, uh, if they don't, I talk about it a little bit when I have, um, events and so forth, and it's the elephant in the room of retirement planning because once people reach 65, there's about a 50% chance that they will need long-term care for at least 90 days, and about half of those who need it for 90 days will need it for a year or longer, and, uh, women especially, um, if they end up in assisted living or a nursing home, will spend about a year, year and a half longer on average than men do.
10:18
Well, if people wanna be prepared for long-term care type situations, how are they gonna get in touch with you?
10:23
Well, it requires some planning, and we sit down and look at, uh, people's resources and how they would pay for that under certain circumstances.
10:30
And, uh, to have that conversation, you can reach me at 303-744-1128, and there's many different ways of financially preparing for long-term care, but as I mentioned, it's the elephant in the room of retirement planning, and it needs to be taken into consideration.
TJHOST
25:40
Do clients ever ask you about, like, long-term care or assisted living, that kind of thing, later in life stuff?
25:46
Well, they do, and, uh, if they don't, I talk about it a little bit when I have, um, events and so forth, and it's the elephant in the room of retirement planning because once people reach 65, there's about a 50% chance that they will need long-term care for at least 90 days, and about half of those who need it for 90 days will need it for a year or longer.
26:12
And, uh, women especially, um, if they end up in assisted living or a nursing home, will spend about a year, year and a half longer on average than men do.
TJHOST
26:32
Well, if people wanna be prepared for long-term care type situations, how are they gonna get in touch with you?
26:36
Well, it requires some planning, and we sit down and look at, uh, people's resources and how they would pay for that under certain circumstances.
26:44
And, uh, to have that conversation, you can reach me at 303-744-1128, and there's many different ways of financially preparing for long-term care.
26:57
But as I mentioned, it's the elephant in the room of retirement planning and it needs to be taken into consideration.
19:14
Uh, I'm just curious, how, uh, do clients ever ask you about, like, long-term care or assisted living, that kind of thing, later-in-life stuff?
19:24
Well, they do, and, uh, if they don't, I talk about it a little bit when I have, um, events and so forth, and it's the elephant in the room of retirement planning because once people reach 65, there's about a 50% chance that they will need long-term care for at least 90 days, and about half of those who need it for 90 days will need it for a year or longer.
19:49
And, uh, women especially, um, if they end up in assisted living or a nursing home, will spend about a year, year and a half longer on average than men do.
20:09
Well, if people wanna be prepared for long-term care type situations, how are they gonna get in touch with you?
20:14
Well, it requires some planning, and we sit down and look at, uh, people's resources and how they would pay for that under certain circumstances.
20:21
And, uh, to have that conversation, you can reach me at 303-744-1128, and there's many different ways of financially preparing for long-term care.
20:35
But as I mentioned, it's the elephant in the room of retirement planning, and it needs to be taken into consideration.

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