Any financial plan would be incomplete without planning for long-term care needs.  As the population in our country ages, the need for long-term care will skyrocket.  Currently, 50% of people over the age of 85 need some type of long-term care assistance (whether it be nursing home care, in-home care, assisted living or other type of care).  Many individuals have found that the time to purchase Long Term Care Insurance is at a much earlier age than expected.  Purchasing policies while younger and healthier reduce premiums substantially.