In this article, we explore the full range of options, from the most favorable (purchasing on behalf of employees, or for employee-owners of a C corporation or who are less-than-2% shareholders of an S corporation), to the slightly less favorable (purchasing for owner-employees of partnerships and LLCs, more-than-2% owners of S corporations, and sole proprietors), to the least favorable (paying for LTC insurance premiums directly, subject to age-based limitations, medical expense AGI thresholds, and itemized deduction limitations). And there are also the less-common-but-also-sometimes-appealing alternatives, like using the money in a Health Savings Account (HSA) to purchase LTC insurance, or funding it via a partial 1035 exchange into a standalone LTC insurance or hybrid LTC policy.

Why is it that some people seem to be able to read a book once and remember every detail of it for life, while others struggle to recall even the title a few days after putting down a book?

...As a parent you can do many things to support your older boy to develop friendships...

...Progress is often made through one’s willingness to persist at the small activities that no one else sees, but that truly generate results. The small battles, when properly defined, eventually lead to victory...

...When it comes to math, Wiles said, people tend to believe “that there is something you’re born with, and either you have it or you don’t. But that’s not really the experience of mathematicians. We all find it difficult. It’s not that we’re any different from someone who struggles with maths problems in third grade…. We’re just prepared to handle that struggle on a much larger scale. We’ve built up resistance to those setbacks.”...

...Sprinkle the doughnuts with powdered sugar and consume immediately with a mug of apple cider...

...Tax strategy is far from simple - yet if done right, planners can create large amounts of tax alpha for clients in any phase of life...

...When the path reveals itself, follow it...

“Wealth is not about having a lot of money; it’s about having a lot of options.” Chris Rock

...The principle of building Love Maps is simply this: knowing the little things about your partner’s life creates a strong foundation for your friendship and intimacy...

What do you offer your clients? (or patrons, or customers, or members)

...Since each goal can be read in about a minute, we are encouraged to take a moment every now and then to look at what we're doing and see if it matches our goals...

...When we learn any new skill, we usually learn just enough to become competent, and then our brains switch to autopilot. They’re lazy that way...

...It's amazing what you can do with the sweet, rich taste of root beer...

...Distractions can lead to delays in getting your work done and could cause you to make mistakes, disrupting an otherwise harmonious office environment...

...Must is who we are, what we believe,and what we do when we are alone with our truest, most authentic self. It's that which calls to us most deeply. It's our convictions, our passions, our deepest held urges and desires - unavoidable, undeniable, and inexplicable. Unlike Should, Must doesn't accept compromises...

...If you don’t like (or at least respect) your business partner, things can only go downhill from there. Just as you would screen potential employees, you need to make sure that you and your future partner agree when it matters most...

Why is it that some people seem to make constant progress in their professional and personal lives, while others appear to be doomed to repeat the same mistakes over and over?

The 5 Secrets to Taking Great Vacations

...You can dramatically accelerate your transition into your new role. Do the right things – the essential transition tasks listed next – and you will rapidly create momentum that will propel you to even greater successes...