Best CLTC Podcasts (2025)

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The Hidden Costs of Passion: How It Can Lead to Burnout and What to Do About It with Jennifer Gray, Ep 153 45:27

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1d ago45:27

45:27

Ever feel like your passion is actually… burning you out? This week, we're diving deep into the often-unseen downsides of passion-driven work with licensed mental health therapist and entrepreneurial wellness specialist, Jennifer Gray. We explore how that fiery drive can unknowingly fuel overwork, blur your personal identity, and even make you blin…

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How does Private LTC Insurance Compare to the WA Cares Fund? 11:29

1d ago11:29

11:29

The WA Cares Fund is the nation’s first government-run long-term care insurance program, but how does it really compare to private insurance? In this episode, Scott A. Olson, CLTC, breaks down nine key reasons private long-term care insurance outshines the WA Cares Fund. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest in…

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Public Long-Term Care Insurance? What is the WA Cares Funds? 11:07

5d ago11:07

11:07

In this episode, Scott A. Olson explains the WA Cares Fund, the first government-run long-term care insurance program in the U.S. He highlights what Washington State did right and wrong with the program's design and explores key similarities between WA Cares and private LTC insurance. He also outlines six distinct advantages the WA Cares Fund offer…

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I'll Make You Quit Your Job - Pt. 3: The How, Ep 152 29:54

8d ago29:54

29:54

Ever dreamed of quitting your job but wondered, "How the heck do I actually do it?" This episode is for you! In the final episode of our “I’ll Make You Quit Your Job” series, we’re diving deep into the mechanics, finances, and structure needed to make that leap when you've decided it's time for a change. Bri and Dr. Jay discuss how much money you n…

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The Best Annuities to Buy for Long-Term Care 5:17

9d ago5:17

5:17

In this episode, Scott A. Olson, CLTC, explains how certain annuities can multiply your premium deposit, providing significant leverage for long-term care. He details how these products attract clients who need to prioritize easy underwriting, catastrophic coverage, and a built-in death benefit. Welcome to Long-Term Care Insurance Now. Your trusted…

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The Worst Annuities Used to Plan for Long-Term Care 10:58

12d ago10:58

10:58

Scott A. Olson breaks down the worst types of annuities marketed for long-term care planning. He explains why most annuity-based strategies fall short and how some approaches merely amount to self-insuring. If you're considering annuities as part of your LTC plan, this is a must-listen. Welcome to Long-Term Care Insurance Now. Your trusted source f…

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Quitting Amazon: Stephanie Ramos’ Inspiring Story on Designing a Life You Love, Ep 151 34:18

15d ago34:18

34:18

Ever wondered what it's like to quit a big tech job without a Plan B and actually thrive? Join us for an inspiring conversation with Stephanie Ramos, who went from "LinkedIn famous" to living her best childfree life! Stephanie shares her candid experience leaving Amazon, and how having "F.U. money" allowed her to prioritize her well-being over a pa…

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Rate Stability FAQs 5:44

18d ago5:44

5:44

In this episode, Scott discusses the history, purpose, and effectiveness of the NAIC's Rate Stability Regulation for long-term care insurance. He explains how to check if your policy is covered and notes that these regulations aim to reduce future premium increases. As a result, newer policies usually experience smaller or no rate increases compare…

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Rate Increases! Rate Increases! Rate Increases! 9:23

21d ago9:23

9:23

In this episode, Scott A. Olson explains the truth about long-term care insurance rate increases and why many older policies saw steep hikes. Today’s policies, while more expensive upfront, are subject to stricter regulations that reduce the likelihood of significant future hikes. As a result, while minor adjustments are still possible, new buyers …

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The Last Radio Show 52:01

20d ago52:01

52:01

Although the podcast will continue, this show is the last show airing on the radio stations. Brian goes through how we started this show and how it has evolved over the years.By Brian Ott, RICP, CLTC

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I'll Make You Quit Your Job - Pt. 2: The Why, Ep 150 27:37

22d ago27:37

27:37

What if the biggest thing standing between you and a better life… is your job? In this episode, Bri and Dr. Jay get real about why so many Childfree people stay in jobs they hate—and what it would take to finally walk away. From financial fears to cultural expectations to the ever-persistent voice in your head saying, “but it’s good money,” we unpa…

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How To Compare Hybrids (Part 2) 6:31

25d ago6:31

6:31

In this episode, Scott A. Olson shares a true story that highlights the risks of relying on uninformed investment advisors when shopping for hybrid long-term care insurance. He explains how a poorly chosen policy can result in limited benefits or even no benefits at all. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest in…

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Staying In Your Home 52:01

28d ago52:01

52:01

Brian discusses what points to consider when planning on staying in your own home in a long-term care situation.By Brian Ott, RICP, CLTC

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How To Compare Hybrids (Part 1) 5:37

29d ago5:37

5:37

In this episode, Scott A. Olson breaks down the five critical elements to compare when evaluating hybrid life/long-term care insurance policies. From death benefits and cash value to LTC coverage, premium schedules, and no-lapse guarantees, Scott simplifies the jargon so you can make an informed decision about which hybrid policy might be right for…

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REPLAY: I'll Make You Quit Your Job - Pt. 1, Ep 149 22:16

29d ago22:16

22:16

What happens when your financial planner keeps telling clients to quit their jobs? Dr. Jay Zigmont, CFP® and Bri Conn, CFP® unpack the now-infamous tagline: "I'll Make You Quit Your Job." From sabbaticals to soul-searching, this conversation is full of real talk, tough love, and a refreshing challenge to the status quo—especially for the Childfree …

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The Easiest Way to Get a Real Long-Term Care Quote 3:27

1M ago3:27

3:27

Discover how to get a personalized long-term care insurance quote without the hassle. In just two minutes, Scott A. Olson walks you through LTCShop.com's most popular feature: the Policy Finder. No phone calls, no sales pitches, just a simple, anonymous tool to help you find the right coverage at the right price. Welcome to Long-Term Care Insurance…

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Should I Buy a Hybrid Policy? 6:05

1M ago6:05

6:05

In this episode, Scott A. Olson tackles the common question of whether to buy a hybrid or traditional long-term care insurance policy. He explains five specific scenarios where a hybrid policy might be the better choice. He concludes by emphasizing the importance of comparing key features in a hybrid policy. Welcome to Long-Term Care Insurance Now.…

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General Policy Questions 52:01

1M ago52:01

52:01

Brian responds to thoughtful questions about long-term care insurance policies.By Brian Ott, RICP, CLTC

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Luxury Aging: What Long-Term Care Looks Like When Money’s Not the Problem, Ep 148 30:05

1M ago30:05

30:05

What if aging didn’t have to feel like a downgrade? In this episode, Jay and Bri explore what long-term care can look like when you’ve got the financial resources to design it your way. From high-end independent living communities to cruise ships and even Golden Girls-style co-living, this conversation is packed with creative (and practical!) ways …

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How to Compare Long-Term Care Policies? 6:37

1M ago6:37

6:37

In this episode, Scott A. Olson, co-founder of LTCShop.com, explains how to compare long-term care insurance policies with confidence. He outlines four essential questions you must ask about any policy: daily home care benefit, daily facility care benefit, lifetime maximum benefit, and whether benefits grow with inflation. Welcome to Long-Term Care…

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Small Plans Count 52:01

1M ago52:01

52:01

Brian explains why even a small long-term care insurance plan makes sense for most people.By Brian Ott, RICP, CLTC

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How Much Does Long-Term Care Insurance Cost? 5:22

1M ago5:22

5:22

In this episode of LTCi Now, Scott A. Olson breaks down the question, “How much does long-term care insurance cost?” and explains the key factors that determine your premium, including age, health, gender, and more, to help you make an informed decision about protecting your future. Welcome to Long-Term Care Insurance Now. Your trusted source for t…

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Who Takes Care of You When You Can't? Long-Term Care Planning with Scott Barnes, CFP®, CLTC®, Ep. 147 31:35

1M ago31:35

31:35

Long-term care is one of the most complicated and overlooked parts of financial planning, especially when you're Childfree. Without kids to step in, who actually takes care of you when you can’t? In this episode, Dr. Jay sits down with Scott Barnes, CFP® and CLTC®, to explore what care really costs, what insurance does (and doesn’t) cover, and how …

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The 28 Hats of a Caregiver: A Tribute to My Wife 5:57

2M ago5:57

5:57

Even with excellent long-term care insurance, caregiving is still a heavy lift. In this video, Scott honors his wife by sharing the 28 roles she filled while caring for her mother. From managing finances and legal affairs to attending every medical appointment, she did it all while working full-time and raising a family. None of it would have been …

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Long-Term Care Expert Reviews "Caregiving" - Part 2 4:43

2M ago4:43

4:43

In this episode, Scott shares his thoughts on the new PBS documentary Caregiving, produced by Bradley Cooper. Drawing on his own experiences as a caregiver and LTCi expert, he breaks down the film and what he wishes it had covered. Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work…

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Protecting Your Legacy 52:01

2M ago52:01

52:01

Learn about the importance of long-term care planning when you are doing estate planning.By Brian Ott, RICP, CLTC

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Values, Not Just Profits: Rethinking ESG with Pete Krull, Ep. 146 29:04

2M ago29:04

29:04

In this episode, Dr. Jay sits down with Pete Krull, a pioneer in sustainable investing, to unpack what it really means to align your money with your values. They explore how ESG has become politicized, what the media gets wrong about ethical investing, and why ‘green hushing’ might be the most honest thing happening in finance right now. Whether yo…

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The Easiest Way to Shop for Long-Term Care Insurance 4:54

2M ago4:54

4:54

In this episode, Scott A. Olson explains LTCShop.com’s simple four-step process for shopping for long-term care insurance. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break down everything you need to know to make informed decisions…

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The 5 Types of Stress Caregivers Face Everyday 10:32

2M ago10:32

10:32

In this episode, Scott shares from personal experience the five types of stress every caregiver faces daily: physical, emotional, mental, financial, and family stress. Whether you’ve been a caregiver or may be one in the future, this honest account will prepare you for the reality behind the role. Discover how planning ahead, particularly with long…

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Long-Term Care Expert Reviews "Caregiving" - Part 1 6:11

2M ago6:11

6:11

In this episode, Scott shares his thoughts on the new PBS documentary Caregiving, produced by Bradley Cooper. Drawing on his own experiences as a caregiver and LTCi expert, he breaks down what the film got right and what it missed Hosted by Scott A. Olson, CLTC, a nationally recognized expert with over 25 years of experience in the field. His work …

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Entitlements Programs 52:01

2M ago52:01

52:01

Brian explains how Medicare, Medicaid, and the VA programs work for long-term care.By Brian Ott, RICP, CLTC

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Living Abroad: Andy & Libbi’s Journey to a Simpler, Happier Life in Europe, Ep. 145 32:05

2M ago32:05

32:05

What does it really take to leave everything behind and start a new life abroad? In this episode, Dr. Jay reconnects with Andy and Libbi to talk about their move from Hawaii to the French countryside—and how financial independence made it possible. From navigating long-stay visas and currency conversions to learning a new pace of life, they share t…

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How Recovery Policies Can Help Cover Long-Term Care 11:18

2M ago11:18

11:18

In this episode, Scott suggests “recovery policies” to cover long-term care. Scott details the fine print factors, benefit triggers, home care coverage, and inflation protection that determine whether a recovery policy is worth considering. He also highlights how some recovery policies may offer unique advantages over traditional LTC insurance and …

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Know what you are buying 52:01

2M ago52:01

52:01

Brian addresses a listener’s concerns about his father's policy not paying a claim.By Brian Ott, RICP, CLTC

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Celebrating the Curious Life: Childfree Living, Community, and Conversations That Matter with Emily Paulsen, Ep 144 41:30

2M ago41:30

41:30

What if the life you're living was always enough, no kids required, no apologies necessary? In this episode, Bri sits down with Emily Paulsen, the founder of Curious Life of a Childfree Woman, to explore what it means to build a joyful, curious, and unapologetically Childfree life. From starting her podcast and navigating judgment to building commu…

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Better Funding Options 52:01

2M ago52:01

52:01

Brian explains the various ways to fund these asset-based long-term care programs and how they remain an asset to you.By Brian Ott, RICP, CLTC

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Childfree, Retired (Almost), and Figuring It Out: Travel, Money, and Boundaries with Robert and Pamela, Ep. 143 57:11

2M ago57:11

57:11

How do you plan your finances when there’s no one but the two of you to consider? For Childfree couples, that question changes everything. It shapes how much is enough, and what role family plays in your future. In this episode, Bri sits down with Pamela and Robert, a Childfree couple who’ve spent nearly three decades as Team Us. Robert is already …

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Get More for Less 52:01

3M ago52:01

52:01

Brian compares asset-based plans that pay you back with traditional plans that don’t and teaches you which ones cost less.By Brian Ott, RICP, CLTC

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Managing Money as a Couple: Yours, Mine, Ours, or Something Else Entirely? Ep 142 30:05

3M ago30:05

30:05

How should couples manage money when marriage isn’t a given and independence still matters? In this episode, Dr. Jay and Bri break down what it really means to combine (or not combine) finances as a couple, especially when you’re Childfree. Whether you’re all in on joint accounts or prefer a roommate-style setup, they cover the legal, emotional, an…

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Meet the People Powering Childfree Wealth®, Ep. 141 42:08

3M ago42:08

42:08

You hear from Bri and Dr. Jay all the time. But who else is behind the scenes helping make Childfree Wealth® what it is? In this episode, we’re pulling back the curtain and introducing you to Fiona Waller, CFP® and Scott Barnes, CFP® and CLTC — two of our incredible Childfree Wealth Specialists®. You'll hear how Fiona moved from a career in therapy…

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Easy Approval Long-Term Care Insurance (EZ-LTC) 4:38

3M ago4:38

4:38

In this video, Scott shares his #1 recommendation for anyone who has been declined for long-term care insurance: "Easy Approval Long-Term Care Insurance," which he calls EZ-LTC, for short. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to…

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The RIGHT Way to Buy Long-Term Care Insurance 4:10

3M ago4:10

4:10

For years, Scott's approach to selling long-term care insurance was fundamentally flawed. But over two decades ago, everything changed for him because of one client: Mrs. Robinson. Welcome to Long-Term Care Insurance Now. Your trusted source for the latest insights, updates, and expert guidance on long-term care insurance. This show aims to break d…

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Have you been declined for long-term care insurance? 2:24

3M ago2:24

2:24

Have you been declined for long-term care insurance? In this video, Scott shares what to do if you’ve been declined for long-term care insurance and guides you through the next steps. Getting denied doesn’t mean you’re out of options. There are still innovative, practical strategies you can use to plan for your future and protect yourself and your …

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Getting Money Back 52:01

3M ago52:01

52:01

Learn how you can access money in your plan through borrowing, surrendering, or canceling you’re your plan.By Brian Ott, RICP, CLTC

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Caregiving Basics: Talking Boundaries and Family with Drs. Julia Mayer and Barry Jacobs, Ep. 140 29:09

3M ago29:09

29:09

In this episode, Dr. Jay talks with Drs. Barry Jacobs and Julia Mayer — co-authors of The AARP Caregiver Answer Book — about what it really takes to be a caregiver, why setting boundaries matters, and how to make caregiving more manageable for everyone involved. Together, they share real-life stories, cultural tensions, and practical strategies for…

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What LTCi Pays For 52:01

3M ago52:01

52:01

Brian will teach you what services long-term care insurance pays for and where you can use your policy.By Brian Ott, RICP, CLTC

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Who's Looking Out for You? Elder Abuse, End-of-Life Planning, and Protecting Your Future, Ep. 139 32:05

3M ago32:05

32:05

Elder abuse is more common than you think. And if you’re Childfree or aging solo, you might be more vulnerable to it unless you have a plan in place. In this episode, Dr. Jay and Bri talk through the financial and emotional realities of elder abuse, how it shows up in real life, and what it means to protect yourself or your loved ones as you age. F…

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You Are Self-Insuring 52:01

4M ago52:01

52:01

Brian explains why advisors are wrong about self-insuringBy Brian Ott, RICP, CLTC

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Who Handles It All When You're Gone? Death, Legacy, and Planning for a Solo Life with Marni Blank, Ep. 138 31:06

4M ago31:06

31:06

Let’s be real. Death isn’t optional. But having a plan? That part is up to you. In this episode, Dr. Jay sits down with Marni Blank, end-of-life doula and founder of Begin with the End, to unpack what it really means to prepare for death and aging when you’re Childfree or solo. From digital logins and legal paperwork to caregiving and community, th…

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Is Cash King 52:01

4M ago52:01

52:01

Brian will go over the pros and cons of cash benefit plansBy Brian Ott, RICP, CLTC