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Preparing For Tomorrow podcast

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Long-term care planning before crisis hits.

The gist

Preparing For Tomorrow podcast explains long-term care choices through real family scenarios, policy reviews, cost trends, and caregiving pressures. Diane Stoddard keeps the focus on planning early, protecting assets, and preserving choices when extended care becomes necessary.

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About Preparing For Tomorrow podcast

Preparing For Tomorrow podcast is built for the years before a long-term care crisis. Diane Stoddard frames aging as something families can prepare for with clearer choices, better documents, and fewer panicked decisions. The show is practical first. It takes the abstract language of long-term care insurance and turns it into household questions: where care might happen, who might provide it, how it would be paid for, and what happens to savings when help is needed every day. Episodes often begin with a client story, a family situation, or a cost statistic. Then they work through the planning consequences in concrete terms. Audrey and Danny’s older reimbursement plan becomes a lesson in shared riders, professional-care requirements, and the value of having benefits in place. Lindsay’s planning needs open a discussion of paying family caregivers, possible care outside the United States, and plans that can return value if care is never needed. Kathy and Bill’s policy review shows why details matter when comparing smoker rates, death benefits, inflation protection, benefit periods, and annual premiums. Other episodes widen the lens. Rising home care and assisted living costs are linked to aging baby boomers, provider wages, inflation, and Medicaid requirements. A senior event in the Tampa Bay area becomes a warning about families being frightened into high-priced Medicaid planning help. A fall or a sudden health interruption becomes a reminder that independence can change quickly. The show’s pace is calm and explanatory, with enough repetition to make complex planning terms feel less intimidating. It is not a general retirement show. Its focus is narrower and more urgent: protecting family, assets, care options, and dignity before extended care is needed.

Made for: This show suits adults planning for aging parents, spouses, or their own later-life care. It is especially useful for families comparing long-term care insurance, Medicaid planning, assisted living, home care, and caregiver support options.

What sets it apart: Preparing For Tomorrow podcast stands out by using real client scenarios and policy details rather than staying at the level of generic retirement advice. Its strength is translating confusing coverage terms into family consequences.

In their own words

Diane Stoddart, Certified Long Term Care Consultant, will show you how to protect your family and loved ones from the financial, physical and emotional burdens and consequences when long term care is needed. In each episode, Diane will help you to navigate through long term care concepts, terms and options and to discuss what strategies are available that can best protect both your family and your nest egg.We will invite guests to sit with us and share ideas regarding various parts of our lives as they relate to long term care planning.

long-term care insurancecare-cost inflationfamily caregivingassisted living and home careMedicaid planninghybrid and linked benefit planspolicy reviewsaging and health changes

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Episodes

  1. 1

    What can happen without a plan?

    ·11m
  2. 2

    Saving $26,850 in premiums over 5 years? LTC Specialists matter

    ·12m
  3. 3

    I should have done this when I first thought of it

    ·13m
  4. 4

    He fell and he couldn't get up

    ·14m
  5. 5

    48% increase in cost of care from 2019-2024

    ·13m
  6. 6

    Don't let them scam you or your parents

    ·11m
  7. 7

    We need to plan like the sun will come up tomorrow morning

    ·5m
  8. 8

    If I can't get what I want, I don't want anything

    ·16m
  9. 9

    My clients need me 25 years before they think they need me

    ·16m
  10. 10

    Please share this with someone you love

    ·13m
  11. 11

    7.8 Million professional caregivers needed in next 25 years!

    ·12m
  12. 12

    Guest Interview: Jason Dutra shares Worksite LTC case study 4 employees

    ·17m
  13. 13

    What is discussed in our first meeting?

    ·15m
  14. 14

    Back to the Basics of Long Term Care

    ·12m
  15. 15

    A Christmas song from Paul & Diane Stoddart

    ·1m
  16. 16

    Guest Interview:Jason Dutra BuddyIns - easy to add LTC at work

    ·18m
  17. 17

    I can't afford LTC & I'll never qualify for Medicaid

    ·15m
  18. 18

    301% rate increase? What the...?

    ·18m
  19. 19

    Some of what I'm thankful for...

    ·3m
  20. 20

    Guest Interview: Jason Dutra with BuddyIns discusses UNUM ceasing LTC sales in February 2026

    ·16m
  21. 21

    Nov. is LTC Awareness Month & Family Caregiver Month - coincidence?

    ·14m
  22. 22

    Who is the LTC insurance really for?

    ·13m
  23. 23

    Questions we don't get as often but very relevant

    ·9m
  24. 24

    Which hybrid plan do I recommend most?

    ·14m
  25. 25

    Guest Interview: Jason Dutra with BuddyIns shares how employers can attract and retain employees

    ·16m
  26. 26

    Poor decisions when planning cause BIG problems later

    ·12m
  27. 27

    Start Young & Get it Done Part 2

    ·12m
  28. 28

    Start Young & Get it Done!

    ·12m
  29. 29

    Who's your quarterback? What's your defense?

    ·9m
  30. 30

    Less healthy? Less Wealthy? Less Young? There are plans for you

    ·9m
  31. 31

    Just keep throwing seeds

    ·11m
  32. 32

    Questions that must be asked if you're told to self fund LTC needs

    ·11m
  33. 33

    LTC in Europe

    ·13m
  34. 34

    Which kind of plan is right for me?

    ·16m
  35. 35

    Understand how different annuities offer LTC benefits

    ·7m
  36. 36

    How having a plan can help the whole family

    ·11m
  37. 37

    Questions 9 & 10 - Nursing homes? Paying family?

    ·10m
  38. 38

    Question 8 - How long will I need to pay my LTC premiums?

    ·12m
  39. 39

    Question 7 - Does Medicare pay for long term care?

    ·12m
  40. 40

    Question 6 - What's the best age to buy LTC insurance?

    ·11m
  41. 41

    Question 5 - Are there tax deductions when I own LTC insurance?

    ·12m
  42. 42

    Question 4 Part 2 - Annuities: can I get my money back if I don't need care?

    ·14m
  43. 43

    Question 4 - Can I get money back if I don't need care?

    ·12m
  44. 44

    Question 3 - What is an Elimination Period?

    ·11m
  45. 45

    Question 2 - How much insurance do I need?

    ·11m
  46. 46

    Question 1 - What does LTC insurance pay for?

    ·10m
  47. 47

    Reason For The Season - Song for you to enjoy from us

    ·3m
  48. 48

    Notice who is helping who this holiday season

    ·10m
  49. 49

    2 years ago...

    ·13m
  50. 50

    Case Study: Joe 71 & Jenny 72 single premium life/LTC hybrid plan

    ·11m
  51. 51

    Our Thanksgiving card and song for you

    ·6m
  52. 52

    Gio wants a plan that does EVERYTHING and more

    ·11m
  53. 53

    Do I need to use the whole benefit every month?

    ·11m
  54. 54

    The nursing home costs $13,000/month. Will the state take my house to pay for it?

    ·12m
  55. 55

    Do You Ever Get Depressed Talking about This Stuff?

    ·11m
  56. 56

    What are the biggest mistakes people make when considering LTC insurance?

    ·13m
  57. 57

    We made it through Milton and are feeling blessed

    ·3m
  58. 58

    We're in Tampa and are staying here throuh Milton

    ·2m
  59. 59

    We made it through hurricane Helene, but too many didn't - What does that have to do with LTC ?

    ·10m
  60. 60

    Why & when would an insurance company not approve and pay a claim?

    ·17m
  61. 61

    $25,000-$30,000 per month for home care and assisted living?

    ·13m
  62. 62

    They're selling EVERYTHING to qualify for Medicaid

    ·9m
  63. 63

    Make that inherited IRA create tax-free LTC benefits

    ·11m
  64. 64

    What's better than leaving an inheritance?

    ·8m
  65. 65

    Tom said he doesn't think he'll ever need LTC, so why should he buy a policy?

    ·12m
  66. 66

    Asking the intrusive health questions gets more approvals

    ·9m
  67. 67

    Questions I hate to get

    ·13m
  68. 68

    What questions do we get most often?

    ·11m
  69. 69

    Why is it important to work with a LTC Planning Specialist?

    ·14m
  70. 70

    What's a 1035 exchange?

    ·12m
  71. 71

    What if I die before using all my LTC benefits?

    ·10m
  72. 72

    They said I was too big to qualify for LTC insurance. What can I do to protect my family?

    ·11m
  73. 73

    My lifetime of mistakes that you shouldn't make - really only 3 of them

    ·11m
  74. 74

    Case Study - he turned $100K taxable gains into over $500K tax-free LTC benefits

    ·10m
  75. 75

    Pension Protection Act - create tax-free LTC income using taxable gains on non-qualified annuities

    ·14m
  76. 76

    We think we're saving on premiums, but what's the real cost of waiting?

    ·12m
  77. 77

    I promised your mom

    ·11m
  78. 78

    How can we afford to pay $270K annually for care in 30 years?

    ·13m
  79. 79

    Home Care Costs Increased over 14% March 2023 to March 2024!!!

    ·12m
  80. 80

    Interview: Jay Zigmont with Childfree Wealth - Who's going to bring me my chips?

    Hidden gem

    Jay Zygmont says child-free clients need a plan before age 40 and argues, "the answer is probably not" that kids will pay for care.

    ·21m·1 clip
  81. 81

    When Health Interrupts Our Plans

    ·32m
  82. 82

    When I Met Alzheimer's Face to Face

    ·27m
  83. 83

    Guest interview: Lynda Krueger with Owl Be There Tampa

    Hidden gem

    Hillsborough County has "254 assisted living communities," and Linda Krueger explains why Google is not enough.

    ·21m·1 clip
  84. 84

    Guest Interview: Jason Dutra with BuddyIns shares worksite LTC plans today vs. yesterday

    Host Diane Stoddard interviews Jason Dutra about the evolution of worksite long-term care insurance plans from past to present.

    ·18m
  85. 85

    2026 Resolution: Fund LTC plan without killing the budget

    Diane Stoddard discusses how to fund long-term care insurance without straining your budget, offering strategies for affordable planning in 2026.

    ·11m
  86. 86

    We need to focus on what we can control

    ·4m
  87. 87

    Annuity LTC Client turned $100K taxable gains to tax-free income for LTC

    ·11m
  88. 88

    Stand-alone LTC - shared and individual

    ·12m
  89. 89

    shared vs. individual LTC plan comparison - how do they work?

    ·13m
  90. 90

    Are shared LTC plans the same as Partnership plans?

    ·11m
  91. 91

    This week, I'm talking to dads

    ·10m
  92. 92

    Highlights from 2025 Sustainable Solutions: Future of LTC Financing

    ·13m
  93. 93

    More people with memory concerns at younger ages - limits options severely

    ·11m
  94. 94

    Guest interview: Mike Simenstad with NGL - How LTC plans and planning has evolved

    ·17m
  95. 95

    I want to buy an LTC policy for my parents

    ·10m
  96. 96

    What tax advantages are you overlooking?

    ·16m
  97. 97

    In this economy, it's even more important to have a plan

    ·10m
  98. 98

    30 years of retirement needs 30 years of LTC protection

    ·10m
  99. 99

    Don't do these things until after you've considered LTC insurance options

    ·11m
  100. 100

    Case Study: Is age 79 too late to buy LTC insurance?

    ·12m
  101. 101

    We don't know what it feels like to be old

    Diane Stoddard discusses the unique perspective of aging and the importance of long-term care planning, sharing a personal story about an ankle injury to illustrate the physical realities of getting older.

    Apr 16, 2026·12m
  102. 102

    Saving $26,850 in premiums over 5 years? LTC Specialists matter

    A long-term care specialist discusses a client's dilemma about canceling a policy while keeping a spouse's plan, highlighting the importance of tailored planning and cost considerations.

    Apr 9, 2026·12m
  103. 103

    I should have done this when I first thought of it

    Diane Stoddart discusses a client's long-term care policy review, detailing how the policy was used after the husband's stroke.

    Apr 2, 2026·13m
  104. 104

    He fell and he couldn't get up

    A personal story about a fall leads into a discussion on long-term care planning and the importance of preparing for the financial, physical, and emotional risks of extended care.

    Mar 26, 2026·14m
  105. 105

    48% increase in cost of care from 2019-2024

    Dr.

    Mar 19, 2026·13m
  106. 106

    Don't let them scam you or your parents

    Mar 12, 2026·11m
  107. 107

    We need to plan like the sun will come up tomorrow morning

    Mar 5, 2026·5m
  108. 108

    If I can't get what I want, I don't want anything

    Hidden gem

    A $150-a-day policy eventually paid $4,500 monthly, helping a client move safely without using savings.

    Feb 26, 2026·16m·1 clip
  109. 109

    My clients need me 25 years before they think they need me

    Hidden gem

    Diane Stoddard argues that people need long-term care plans 25 years before they expect to need them, using a daily phone reminder to reinforce the point.

    Feb 19, 2026·16m·1 clip
  110. 110

    Please share this with someone you love

    Feb 12, 2026·13m
  111. 111

    7.8 Million professional caregivers needed in next 25 years!

    Feb 5, 2026·12m
  112. 112

    Guest Interview: Jason Dutra shares Worksite LTC case study 4 employees

    Jan 29, 2026·17m
  113. 113

    What is discussed in our first meeting?

    Jan 22, 2026·15m
  114. 114

    Back to the Basics of Long Term Care

    Jan 15, 2026·12m
  115. 115

    2026 Resolution: Fund LTC plan without killing the budget

    Jan 8, 2026·11m
  116. 116

    Guest Interview:Jason Dutra BuddyIns - easy to add LTC at work

    Dec 18, 2025·18m
  117. 117

    I can't afford LTC & I'll never qualify for Medicaid

    Dec 11, 2025·15m
  118. 118

    301% rate increase? What the...?

    Dec 4, 2025·18m
  119. 119

    Some of what I'm thankful for...

    Nov 27, 2025·3m
  120. 120

    Guest Interview: Jason Dutra with BuddyIns discusses UNUM ceasing LTC sales in February 2026

    Nov 20, 2025·16m
  121. 121

    Nov. is LTC Awareness Month & Family Caregiver Month - coincidence?

    Nov 13, 2025·14m
  122. 122

    Who is the LTC insurance really for?

    Nov 6, 2025·13m
  123. 123

    Questions we don't get as often but very relevant

    Oct 30, 2025·9m
  124. 124

    Which hybrid plan do I recommend most?

    Oct 23, 2025·14m
  125. 125

    Guest Interview: Jason Dutra with BuddyIns shares how employers can attract and retain employees

    Oct 16, 2025·16m
  126. 126

    Poor decisions when planning cause BIG problems later

    Oct 9, 2025·12m
  127. 127

    Start Young & Get it Done Part 2

    Oct 2, 2025·12m
  128. 128

    Start Young & Get it Done!

    Sep 25, 2025·12m
  129. 129

    Who's your quarterback? What's your defense?

    Sep 18, 2025·9m
  130. 130

    Guest Interview: Jason Dutra with BuddyIns shares worksite LTC plans today vs. yesterday

    Jason Dutra from BuddyIns discusses the evolution of worksite long-term care insurance plans from past to present.

    Sep 11, 2025·18m
  131. 131

    Less healthy? Less Wealthy? Less Young? There are plans for you

    Sep 4, 2025·9m
  132. 132

    Just keep throwing seeds

    Aug 28, 2025·11m
  133. 133

    Questions that must be asked if you're told to self fund LTC needs

    Aug 21, 2025·11m
  134. 134

    LTC in Europe

    Aug 14, 2025·13m
  135. 135

    When Health Interrupts Our Plans

    Diane Stoddard uses the analogy of power outages to introduce the importance of planning for long-term care interruptions.

    Aug 7, 2025·32m
  136. 136

    Which kind of plan is right for me?

    Jul 24, 2025·16m
  137. 137

    Understand how different annuities offer LTC benefits

    Jul 17, 2025·7m
  138. 138

    How having a plan can help the whole family

    Jul 10, 2025·11m
  139. 139

    What can happen without a plan?

    Jul 3, 2025·11m
  140. 140

    We need to focus on what we can control

    Jun 26, 2025·4m
  141. 141

    Annuity LTC Client turned $100K taxable gains to tax-free income for LTC

    Jun 19, 2025·11m
  142. 142

    Stand-alone LTC - shared and individual

    Jun 12, 2025·12m
  143. 143

    shared vs. individual LTC plan comparison - how do they work?

    Jun 5, 2025·13m
  144. 144

    Are shared LTC plans the same as Partnership plans?

    May 29, 2025·11m
  145. 145

    This week, I'm talking to dads

    May 22, 2025·10m
  146. 146

    Highlights from 2025 Sustainable Solutions: Future of LTC Financing

    May 15, 2025·13m
  147. 147

    More people with memory concerns at younger ages - limits options severely

    May 8, 2025·11m
  148. 148

    Guest interview: Mike Simenstad with NGL - How LTC plans and planning has evolved

    Diane interviews long-term care veteran Mike Simenstad about how LTC planning has evolved and what motivates consumers to invest in long-term care solutions.

    May 1, 2025·17m
  149. 149

    I want to buy an LTC policy for my parents

    Apr 24, 2025·10m