Your clients’ biggest retirement risk isn’t the market.
We help investment-focused advisers close the long-term care gap without selling insurance or risking the relationship, so your clients stay protected, loyal and yours.
You’ve spent years growing your clients’ portfolios,
but one long-term care event can drain $100,000+ a year straight out of the assets you manage. Clients rank health care costs as their top retirement worry, yet most advisers never bring up long-term care, and few have a trusted specialist to call. That gap is an open door: an adviser who sells both insurance and investments can step in, solve the LTC problem and take the whole relationship with them. Add slow organic growth and heirs who often leave their parents’ adviser, and protecting the assets you already manage has never mattered more.
We become your firm’s long-term care department, without ever competing for your clients.
We protect your book. Every dollar your client doesn’t spend on care stays invested and under your management.
We make your clients stickier. With LTC covered, there’s no opening for a competitor to step in.
We stay in our lane. We don’t offer investment management, and we put that in writing up front.
Your clients get a specialist. Traditional, hybrid and annuity-based solutions, with clear plain-English explanations and guaranteed-premium options.
Added value for your clients. Complimentary estate-plan access through Trust & Will, a no-cost reason to start the conversation.
Business-owner opportunities. Tax-advantaged long-term care strategies for your business-owner clients, where premiums may be fully deductible in some cases.
Founder’s Story
“Our founder knows what a good plan is worth, because his family lived it.”
In their thirties, Russell Denney CLTC and his wife, Christine, built a complete protection plan: life, disability income and long-term care insurance. When Christine was diagnosed with a brain tumor at 48, that plan gave them nine years together instead of nine years of financial scramble. It replaced her income, helped pay for her care and kept their savings intact.
After losing Christine, his wife of 33 years, Russell left a 25-year career in technology to found Five Points Financial. A former U.S. Marine and Boston College graduate, Russell built the firm on a simple promise to advisers: we protect your clients’ plans, and we never touch the portfolio.
Today our team partners with advisers nationwide to protect their clients and their books of business, so the clients you’ve worked hard to win stay protected and stay yours.
What to expect when we work together
Introductory call.
We learn how your practice works, who your clients are and how you’d like to collaborate.
Partnership agreement.
Clear, written terms: we handle LTC only, never investments, and compensation sharing is set where appropriate.
Warm introductions.
You introduce us to clients, or we co-host a review, using our talking points and the estate-plan offer to open the door.
We do the heavy lifting.
Needs analysis, carrier comparisons, applications and underwriting, while keeping you updated.
Ongoing partnership.
Annual reviews, claim support and education for your team and clients.
Rave Reviews from Satisfied Clients
“My clients are people I care about. I’ve known many of them for years, and we’ve been through a lot together. When they’re planning for assisted living or nursing home costs, I want to know they’ll be taken care of. That’s why I refer them to Russell. He considers the broader financial plan and brings a practical approach to a very expensive problem. He understands how the right strategies can protect both wealth and relationships. He’s been through this with his own family, so this is personal to him. I know he’ll look after my clients with the same care I would. It’s not about selling a product with him. It’s about protecting both the assets and the family.”
— Mary Lyons, The Wealth Woman, Benchmark Income