Episode 86: Why Seniors Must Plan LTC Insurance Now — Avoid Financial Stress & Secure Care
Fri Feb 06 2026
Welcome to Episode 86 of the Serving Seniors Podcast, hosted by Matt Helton! In this powerful and eye-opening episode, Matt sits down with Raymond Lavine, Financial Professional and founder of Lavine LTC Benefits, to break down why long-term care (LTC) planning is no longer optional for seniors and their families.
👤 Meet Our Guest – Raymond LavineRaymond Lavine is a seasoned financial professional and U.S. Army veteran with deep personal and professional experience in long-term care planning. Through his company, Lavine LTC Benefits, Raymond helps individuals and families protect their savings, dignity, and independence by planning ahead for long-term care needs.
Raymond’s passion for LTC planning is personal. After walking through his father’s long-term care journey and seeing his mother rely on LTC benefits, he understands firsthand how the right plan can mean the difference between peace of mind and financial stress.
🎯 What You’ll Learn in This Episode:✅ Why seniors should plan for long-term care before a crisis happens✅ How LTC insurance can protect retirement savings and family assets✅ Common myths and misunderstandings about long-term care coverage✅ How tactical empathy and real-life experience shape better financial decisions✅ Why waiting can cost you more — emotionally and financially
📺 Raymond has shared his expertise on national TV, including Moving America Forward, and on numerous podcasts. He’s also a contributing author to Empathy & Understanding in Business, where he explores how empathy leads to better outcomes during life’s most challenging moments.
🎖️ As a proud U.S. Army veteran who served in the 82nd Airborne Division and 173rd Airborne Brigade in Vietnam, Raymond brings discipline, compassion, and integrity to everything he does.
🔗 Connect with our Guest at:Website: https://www.lavineltcins.com/📞 Telephone or Text: 253.275.6091🎥 Video: https://raymondlavineofficial.com📅 Schedule a Conversation: https://meetings-na2.hubspot.com/meetings/raymond-lavine
Company Name: One Trust Home Loans
Host: Matt Helton
Podcast Name: Serving Seniors Podcast
Podcast Description:
Welcome to the Serving Seniors Podcast, a beacon of guidance for those entering or navigating their golden years. Hosted by Matt Helton, this weekly show dives into the challenges and opportunities of retirement. Each episode features trusted professionals who provide clear, practical education on finances, healthcare, real estate, and estate planning—helping seniors not just survive, but truly thrive.
Podcast URL: https://www.servingseniorspodcast.com/
Sponsor Name: One Trust Home Loans
Sponsor URL: https://onetrusthomeloans.com/
NMLS Numbers:
Matt Helton, NMLS #178551OneTrust Home Loans, NMLS #46375
Licensing Information:
Loans Provided by OneTrust Home Loans, a dba of CalCon Mutual Mortgage LLC NMLS #46375 (www.nmlsconsumeraccess.org); 3838 Camino del Rio N Suite 305, San Diego, CA 92108. Corporate phone (888) 488-3807.
All products are not available in all states. All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.By refinancing your existing loan, your total finance charges may be higher over the life of the loan. (Reference: 10 VAC 5-160-60 (F))
Contact Number: (888) 488-3807
Social Media Links:
Facebook: https://www.facebook.com/MattsMortgageNewsLinkedIn: https://www.linkedin.com/in/matt-helton-7b3bab6/YouTube: https://www.youtube.com/@servingseniorspodcastHashtags:
#ServingSeniorsPodcast #LongTermCarePlanning #LTCInsurance#SeniorLiving #RetirementPlanning #FinancialSecurity#AgingInPlace #VeteranOwned #MattHelton#OneTrustHomeLoans #LavineLTCBenefits
Disclaimer:
The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company, or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.
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Welcome to Episode 86 of the Serving Seniors Podcast, hosted by Matt Helton! In this powerful and eye-opening episode, Matt sits down with Raymond Lavine, Financial Professional and founder of Lavine LTC Benefits, to break down why long-term care (LTC) planning is no longer optional for seniors and their families. 👤 Meet Our Guest – Raymond LavineRaymond Lavine is a seasoned financial professional and U.S. Army veteran with deep personal and professional experience in long-term care planning. Through his company, Lavine LTC Benefits, Raymond helps individuals and families protect their savings, dignity, and independence by planning ahead for long-term care needs. Raymond’s passion for LTC planning is personal. After walking through his father’s long-term care journey and seeing his mother rely on LTC benefits, he understands firsthand how the right plan can mean the difference between peace of mind and financial stress. 🎯 What You’ll Learn in This Episode:✅ Why seniors should plan for long-term care before a crisis happens✅ How LTC insurance can protect retirement savings and family assets✅ Common myths and misunderstandings about long-term care coverage✅ How tactical empathy and real-life experience shape better financial decisions✅ Why waiting can cost you more — emotionally and financially 📺 Raymond has shared his expertise on national TV, including Moving America Forward, and on numerous podcasts. He’s also a contributing author to Empathy & Understanding in Business, where he explores how empathy leads to better outcomes during life’s most challenging moments. 🎖️ As a proud U.S. Army veteran who served in the 82nd Airborne Division and 173rd Airborne Brigade in Vietnam, Raymond brings discipline, compassion, and integrity to everything he does. 🔗 Connect with our Guest at:Website: https://www.lavineltcins.com/📞 Telephone or Text: 253.275.6091🎥 Video: https://raymondlavineofficial.com📅 Schedule a Conversation: https://meetings-na2.hubspot.com/meetings/raymond-lavine Company Name: One Trust Home Loans Host: Matt Helton Podcast Name: Serving Seniors Podcast Podcast Description: Welcome to the Serving Seniors Podcast, a beacon of guidance for those entering or navigating their golden years. Hosted by Matt Helton, this weekly show dives into the challenges and opportunities of retirement. Each episode features trusted professionals who provide clear, practical education on finances, healthcare, real estate, and estate planning—helping seniors not just survive, but truly thrive. Podcast URL: https://www.servingseniorspodcast.com/ Sponsor Name: One Trust Home Loans Sponsor URL: https://onetrusthomeloans.com/ NMLS Numbers: Matt Helton, NMLS #178551OneTrust Home Loans, NMLS #46375 Licensing Information: Loans Provided by OneTrust Home Loans, a dba of CalCon Mutual Mortgage LLC NMLS #46375 (www.nmlsconsumeraccess.org); 3838 Camino del Rio N Suite 305, San Diego, CA 92108. Corporate phone (888) 488-3807. All products are not available in all states. All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.By refinancing your existing loan, your total finance charges may be higher over the life of the loan. (Reference: 10 VAC 5-160-60 (F)) Contact Number: (888) 488-3807 Social Media Links: Facebook: https://www.facebook.com/MattsMortgageNewsLinkedIn: https://www.linkedin.com/in/matt-helton-7b3bab6/YouTube: https://www.youtube.com/@servingseniorspodcastHashtags: #ServingSeniorsPodcast #LongTermCarePlanning #LTCInsurance#SeniorLiving #RetirementPlanning #FinancialSecurity#AgingInPlace #VeteranOwned #MattHelton#OneTrustHomeLoans #LavineLTCBenefits Disclaimer: The information is intended to be viewed for informational purposes only. The content contained herein is not guaranteed or endorsed by the company, or any company mentioned, nor is this content meant to be an offer of credit. The information contained in this video may not be wholly or at all applicable to every situation or jurisdiction. You are strongly encouraged to consult your professional mortgage advisor before acting upon any information in this video. The information provided is for use as a training tool only. The information is not intended, nor should it be relied upon for any other purpose.