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Insurance and
health advisory services

Wealth structuring

Thanks to advances in medical care, on average people are living longer than ever. However, for some, that might mean facing and recovering from a health crisis. At a time like that, no one wants to worry about financial matters.

Our Approach

If a health concern does arise, you should be able to focus on what’s most important to you—taking care of yourself or a loved one. We’ll help you access tools and resources to help you navigate the healthcare planning process, including:

  • Repositioning assets to fund potential long-term care expenses
  • Considering different types of insurance solutions
  • Establishing a trustee to manage your assets in trust in case you are incapacitated
  • Establishing a power of attorney to help ensure a decision making structure is in place to help your loved ones


Traditional long-term care insurance

You or a loved should have access to high-quality care without having to deplete your wealth to cover costs. When it comes to coverage and payments, you have a growing number of options available to fit your individual needs and preferences.


Using individual or corporate trustee services, you can appoint a trustee to make decisions in the event you are incapacitated. This includes investment oversight, bill paying or broader financial responsibilities.

Hybrid or permanent life insurance

As an alternative to self-funding for long-term care or purchasing traditional long-term care insurance, which can be a sunk cost, you could consider purchasing a life insurance policy that offers long-term care benefits which could preserve your wealth and pass it on to your heirs.

Merrill Lynch Octave Card

Card holders have access to health advisory services. So in the event you or a family member are diagnosed with a serious health condition such as cancer, heart disease or multiple sclerosis, or have general health and wellness questions, PinnacleCare’s private health advisory services can help you navigate the healthcare system. They can offer guidance on questions like: “Which doctors are best?”, “Which facility is right for me?”, and “Is surgery the best option?”

Power of Attorney and Healthcare Directives

We can help you put the right decision making structure in place before a cognitive decline or a family crisis.

A private wealth advisor can help you learn more.

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