Business Details
20 Years
experience
Your Trusted Long-Term Care Planning Partner
525 Advisors was founded on deeply personal experiences with long-term care challenges. Our team understands the emotional and financial burdens of unplanned care situations through firsthand family struggles. We combine professional expertise with lived insight to help clients protect their assets and loved ones. Our specialists hold advanced certifications in retirement income planning and long-term care. We work independently to provide unbiased guidance across all major insurance carriers. Our educational resources empower clients to make informed decisions about coverage options.We focus on custom solutions that address individual needs and financial circumstances. Our approach emphasizes transparency, avoiding hidden fees or complex jargon. We maintain ongoing relationships with clients to ensure their plans remain aligned with changing needs. Our track record includes helping thousands of clients secure appropriate coverage over the past decade. We're committed to transforming the long-term care planning experience into one that empowers rather than overwhelms.
Services
Long-Term Care Insurance
Asset-Based Plans
Traditional Plans
Cash Indemnity Plans
Lifetime Benefit Plans
Details
- Year established: 2006
Highlights and features
- We combine personal experience with professional certifications in long-term care planning
- Our independent agency works for you, not insurance companies
- We've helped thousands of clients secure appropriate coverage over 10+ years
- We offer comprehensive educational resources including webinars and radio shows
- Our plans provide lifetime benefits that never run out and return value if unused
Associations and certifications
- Certified in Long-Term Care (CLTC)
- Retirement Income Certified Professional (RICP)
What people say
"Competent professionals"
"Peace of mind"
"Quick responses"
"Helped with pre-existing conditions"
"Personalized approach"
Services
Asset-Based Plans
Asset-based long-term care plans combine protection with financial flexibility. These policies guarantee lifetime benefits that never expire while preserving your investment. If care becomes needed, funds cover home care, assisted living, or nursing facilities. Plans offer inflation protection and joint coverage options for couples. Clients receive their full deposit back tax-free if benefits remain unused.
Cash Indemnity Plans
Cash indemnity plans provide monthly benefits directly to policyholders for care expenses. Funds can pay family caregivers or professional services without requiring receipts. Coverage lasts up to eight years with customizable benefit periods. Plans include zero-day waiting periods for home care and maintain value across all 50 states. Unused benefits return to estates tax-free.
Lifetime Benefit Plans
Lifetime benefit plans ensure continuous care funding without expiration. Policies cover all approved care settings including home health, adult day care, and hospice. Benefits activate when two activities of daily living require assistance. Plans work with Medicaid without asset spend-down requirements. Unused policies return full value to beneficiaries.
Traditional Plans
Traditional long-term care policies offer customizable coverage with inflation protection. Plans reimburse actual care costs up to daily/monthly limits with shared benefits for couples. Policies qualify for state partnership programs protecting assets from Medicaid spend-down. Premiums stop once claims activate, with benefits growing annually at 3%.
Savings-Based Plans
Savings-based plans convert deposits into triple their value for care expenses. Initial investments grow with tax-deferred interest while maintaining liquidity. Policyholders access funds through withdrawals without canceling coverage. Unused balances return with accumulated interest. Plans include zero-day home care waiting periods and international coverage options.
People
Brian Ott
Owner, Certified Long-Term Care Planning Specialist
Brian Ott founded 525 Advisors after personal family experiences with long-term care challenges. He holds RICP and CLTC certifications, specializing in retirement income and care planning. His approach combines professional expertise with firsthand understanding of caregiving burdens. He advocates for transparent, client-centered planning solutions.
Madalyn Volkman
Case Manager, CLTC Professional
Madalyn brings personal insight from caring for her chronically ill mother. She specializes in helping clients avoid Medicaid dependency through proactive planning. Her CLTC certification focuses on practical care solutions for complex health situations. She guides clients through policy selection and application processes.
Questions
What qualifies as long-term care need?
Need for assistance with two or more activities of daily living (bathing, dressing, etc.) or cognitive impairment triggers benefits.
Can I pay family members for care?
Yes, cash indemnity plans allow paying family caregivers directly without receipts while maintaining professional care options.
Do plans cover home care?
All plans cover home health care with zero-day waiting periods and include professional services or family caregiver payments.
What happens if I never use the plan?
Unused policies return full value tax-free to estates or through cash surrender options, eliminating 'use it or lose it' concerns.
Can I qualify with health issues?
Asset-based plans have more flexible underwriting. We've secured coverage for clients with conditions that traditional insurers would decline.
How do plans interact with Medicaid?
State partnership program plans protect assets from Medicaid spend-down requirements while maintaining eligibility for additional benefits.
