In this episode of Talk Law Radio, host Todd Marquardt explores one of the most important — yet often misunderstood — topics in financial and estate planning: long-term care insurance. Joined by experts Joseph Warren (Financial Planning HQ), George H. Torres II (River City Home Care), and Sonny Espinoza (New York Life), Todd uncovers how the right planning can protect your independence, finances, and legacy for years to come.
💼 Segment 1 – Financial Focus with Joseph Warren: Planning for the Unexpected
Joseph Warren shares how small insurance decisions can protect families from financial ruin. Hear real-life stories of perseverance, smart long-term care planning, and how policies have saved clients over $65,000 per year in care expenses.
Learn the difference between standalone and hybrid long-term care policies, and why proactive planning today means peace of mind tomorrow.
📞 Call 210-444-2128 to request your free Long-Term Care Planning Guide and book offer.
🏠 Segment 2 – What Is Long-Term Care Insurance & How Does It Work?
Guests George H. Torres II and Sonny Espinoza explain how long-term care insurance pays for home care, assisted living, or rehabilitation services — and how it protects retirement savings.
They discuss the "bucket of money" analogy, why timing matters, and how early planning avoids crisis-mode decisions.
👉 Learn how $100 a day in benefits can add up to over $36,000 a year in care coverage.
🧾 Segment 3 – Long-Term Care Insurance Explained: Benefits, Costs & Myths
Our experts clear up misconceptions about what Medicare actually covers (hint: only short-term care). Discover how to qualify for benefits, what documentation is needed, and how policies let families pay relatives or friends as caregivers.
This discussion highlights how long-term care insurance helps the sandwich generation balance caring for both aging parents and young children — while protecting their inheritance and dignity.
🌟 Segment 4 – Legacy & Long-Term Care: Protecting What Matters Most
Long-term care insurance isn’t just about coverage — it’s about legacy, love, and peace of mind.
Joseph, George, and Sonny share real-world stories of clients whose policies preserved family assets and independence. They discuss alternative funding options like whole life policies or annuities, and why planning early is crucial.
Hosted by Todd Marquardt, this Legacy Spotlight reminds listeners that legacy isn’t just financial—it’s about faith, family, and foresight.
⚖️ Sponsored by Marquardt Law Firm, helping families with wills, trusts, and legacy planning across generations.
🌱 Learn more or book a consultation at marquardtlawfirm.com.
🎧 Listen on:
📻 KLUP 930 AM | KSLR 630 AM | KNTH 1070 AM | 103.3 FM Houston
🌐 talklawradio.com | YouTube | Spotify | Apple Podcasts | Facebook
Join host Todd Marquardt for honest chats, awareness, and tips on using LTCI for in-home care. Got questions? Call in or reach out—let's safeguard your legacy! 📞❤️ #TalkLawRadio #LTCI #HomeCare
The mission of Talk Law Radio is to help you discover your legal issue blind spots by listening to me talk about the law on the radio. The state bar of Texas is the state agency that governs attorney law licenses. The State Bar wants attorneys to inform the public about the law but does not want us to attempt to solve your individual legal problems upon the basis of general information. Instead, contact an attorney like Todd A. Marquardt at Marquardt Law Firm, P.C. to discuss your specific facts and circumstances of your unique situation.
Leave a legacy that makes a positive impact on people's lives
Chat online at MarquardtLawFirm.com to schedule an appointment to help you create a legally enforceable last will, living trust, or tax protected inheritance plan.
Tell a friend what this show is about discovering hidden legal issue blind spots like in business and estates and elder law. Subscribe to the Talk Law Radio YouTube channel to watch the show in four separate segments.
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