We are client focused Certified Long-Term Care Planning Specialists. We help people with assets protect their savings and the people they care about most from the financial, physical and emotional costs that come with a long-term care situation. We work with people near or in retirement put a meaningful, tax-free guaranteed plan in place that will pay them back if they never use it.

c5a83c_338450cb1503406786add0e71810ea85Brian Ott, CLTC, CLA
Certified Long-Term Care Planning Specialist
WAIOC # 736178

Driven by the need to help my own family members as they moved into a long-term care situation, I have developed a true understanding and appreciation for the many different options and offerings available today. I will be glad to share with you what I have learned and show you how I have been able to help the people closest to me. I believe everyone needs to have a discussion about long-term care and understand just how important it is to a successful and secure retirement experience. -Brian Ott, CLTC, CLA

c5a83c_2680db67680f47cdab7115038f8d6b52Brian Ott has earned a professional degree in the field of long-term care, Certified in Long-Term Care (CLTC). The program is independent of the insurance industry and focuses on providing financial service professionals the tools needed to meet their client’s long-term care needs

c5a83c_baaa277c3111412aae2fdda862d78522Brian Ott has earned the Certified Liability Advisor (CLA) designation. Liability management is about managing the client’s cash to first minimize the cost of liabilities and second use available cash flow for their lifestyle today and tomorrow. Housing and borrowing related costs are the majority of American’s expenses. The designation acknowledges those professionals who have completed the required study of a Certified Liability Advisor™ training.

c5a83c_c1d9c0705c4f42dfa9111635e3b54924Madalyn Lutsch
Client Coordinator
WAIOC # 789370

Smoothing out the process and providing an excellent experience for my clients is my top priority. With a background in health and long term care insurance, I know just how important it is to be prepared and do it right the first time. I have a passion for long-term care planning stemming from the experience my family went through when my mother passed away in long-term care. I look forward to educating my clients and helping them through the entire process.

Why You Should Work With Us…

My experience has taught me that there is an overall lack of understanding on the importance of long-term care planning. Over the years I have watched as the financial industry has moved to a more complicated strategy of helping people prepare for retirement all the while ignoring the single biggest risk to their financial health heading into retirement.

Nearly 3 out of 4 people will end up in a long-term care situation during their retirement years and all of us will be affected when a loved one needs care. Long-term care is expensive and traditional insurance and government programs don’t pay for this type of care. Today, thanks to recent Federal and State changes, you now have better options and more programs to protect your family and savings from the consequences of an extended health care situation.

At 525 Advisors, we are a truly independent company that works with all the major carriers. We have a complete understanding of the different types of programs including, Traditional, Asset Based, Hybrid, Critical Care and other offerings including life insurance with riders. We will educate you on the different options and help you design and decide on a plan that is right for your situation. Unlike other financial companies that dabble in long-term care, we are focused and passionate about it.

Protecting your family and savings should be priority number 1 as you prepare for retirement and we have the resources and tools to help you do just that.

What’s In A Name?c5a83c_6e87d46f68724996a3a768d978474598

525 is an IRS publication and the inspiration for our name. Many people are surprised at how much taxes play a role during retirement. Long-Term Care insurance provides a Tax-Free stream of income to pay for care later in life. Many people will mistakenly spend through their retirement or other savings and pay unnecessary taxes along the way. New programs have made
Long-Term Care insurance more advantageous than ever. We understand Long-Term Care and offer the most choices so you can get the plan that works best for you. We are your local Long Term Care experts.

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