Baseline Runway
No structural trust changes. Existing housing plan stays in place and care costs are funded directly.
Timeline: LTC insurance payout in 2028, Memory Care starts 2031, Passing in 2040
Financial Metrics (2026-2040)
Liquid Assets Start:
$643,000
Liquid Assets Final:
—
IRA Start:
$368,000
IRA Final:
—
LTC Disbursed:
—
Real Estate Final:
—
Real Estate Liquidated:
—
No Trust Buffer
Legacy condo is rented for household support while the protected condo purchase stays financed through the trust plan.
Timeline: LTC insurance payout in 2028, Memory Care starts 2031, Passing in 2040
Financial Metrics (2026-2040)
Liquid Assets Start:
$643,000
Liquid Assets Final:
—
IRA Start:
$368,000
IRA Final:
—
LTC Disbursed:
—
Real Estate Final:
—
Real Estate Liquidated:
—
Asset Protection
Primary protection path. Housing assets sit inside trust structure with lookback timing and crisis pivot planning.
Timeline: LTC insurance payout in 2028, Memory Care starts 2031, Passing in 2040
Financial Metrics (2026-2040)
Liquid Assets Start:
$643,000
Liquid Assets Final:
—
IRA Start:
$368,000
IRA Final:
—
LTC Disbursed:
—
Real Estate Final:
—
Real Estate Liquidated:
—