From Policy to Plan: Rethinking Long-Term Care for Every Client — Mike Padawer [Founder]

In this episode of The Smarter Planner Podcast, host Belle Osvath, CFP®, sits down with Mike Padawer, CLTC, founder and president of Inertia Advisor Services Group and Carefidence, to discuss why financial planners must shift their approach from simply paying for care to truly planning for care.

Mike—author of What's the Deal with Long-Term Care and co-author of What You Don't Know About Retirement Will Hurt You—shares how advisors can guide clients through the emotional, legal, and financial realities of aging with intention.

He explains how most advisors stop at the funding question ("Can the client afford it?"), missing the more profound planning questions that matter most:

• Who will provide care?
• Where will it happen?
• And how can families avoid conflict and crisis when the time comes?

Mike outlines his four-step framework—Awareness, Assessment, Alignment, and Action—that helps advisors integrate long-term care into every financial plan with empathy and clarity.

Guest Links:

Website: https://www.inertia-asg.com

LinkedIn: https://www.linkedin.com/in/mike-padawer/

Recommend a podcast guest:

👉 https://www.surveymonkey.com/r/PWXHTV7

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The Smarter Planner Podcast is produced by the Financial Planning Association National Capital Area Chapter (FPA NCA) for educational purposes only. Belle Osvath and FPA NCA do not endorse specific individuals or services mentioned.