Washington Residents: Use Your Annuity or IRA to Get 3× or More in Long-Term Care — Tax-Free
Already set money aside for care or retirement? You may qualify to unlock lifetime long-term care coverage — and if you don’t need it, your money stays in your estate.
Washington Residents: Use Your Annuity or IRA to Get 3× or More in Long-Term Care — Tax-Free
Already set money aside for care or retirement? You may qualify to unlock lifetime long-term care coverage — and if you don’t need it, your money stays in your estate.
You shouldn’t have to figure this out on your own.
The options for long-term care plans can be confusing, and the stakes for your physical, emotional, and financial future are too high to feel uncertain about your decisions.
Why Choose Long-Term Care Planning with John?
Tax-Free Benefits
Withdraw LTC funds 100% tax-free using a special annuity strategy.
Keep Control of Your Money
If you never need care, your investment stays in your estate.
One-on-One Personal Guidance
No call centers. No sales pressure. Just honest advice from a local expert.
Peace of Mind for the Future
Protect your spouse, savings, and retirement lifestyle from the rising cost of care.
Licensed LTC Producer with 30+ Years Serving Washington Families
Trusted Guidance for Long-Term Care Plans
Representing the highest quality long term care insurance companies to make sure your care is funded when you need it and your loved ones are protected
What IS Long-Term Care?
Long-term care insurance provides a tax-free stream of income to help pay for care costs that are not generally covered by medical insurance, Medicare or Medicaid.
What’s Covered?
- Custodial Care
- Skilled and Unskilled Care
- Nursing Care
- Therapy Care (occupational, speech, physical)
- Help with Personal Care (dressing, bathing, meal preparation, light housework)
Where is Care Covered?
- Your Home
- Adult Day Care
- Assisted Living Facilities
- Nursing Homes
- Hospice Care
- Special Care Facilities
- Adult Family Homes
Most families will struggle with long-term care…
And the planning process can be frustrating and confusing. We design custom plans that protect your wealth and your family, so you can have the security of knowing your care is funded and managed in a time of need.
Funding Strategies Available at LTC Planning
Meet John Rettenmier
I’m John Rettenmier. For over 30 years, I’ve guided Washington families through smart, tax‑efficient insurance planning. As an independent, licensed advisor, I deliver personalized strategies – no one‑size‑fits‑all. My goal is simple: help you keep control of the assets you’ve worked hard to build, so you protect your retirement and preserve your estate.