Long-Term Care Planning in the New River Valley
Protect your life savings, secure your legacy, and age with dignity right here at home.
Licensed in North Carolina
Helping hundreds of families secure their assets since 2014
Coordinating seamlessly with Estate Planning Attorneys and Financial Advisors
The Real Cost of Care in the NRV
The New River Valley is a remarkable place to live, work, and retire. Whether you call Montgomery, Pulaski, Floyd, or Giles County home, you’ve worked hard to build a comfortable foundation.
Without a strategy, the default payment method is often your own pocket. Medicaid is a needs-based program with strict financial limits, which often requires a significant spend-down of assets before assistance is provided. Proper insurance-based planning matters in the New River Valley because it is the only way to help ensure a health crisis does not significantly reduce your retirement accounts, impact your family home, or leave your healthy spouse financially vulnerable.
Comprehensive Protection Strategies
As a Financial Consultant, our focus is specifically designed insurance protection for the assets you have accumulated and the portfolio you have built. Our core services for NRV families include:
Long-Term Care Planning
Structure a strategy to prepare for future care and mitigate financial risk.
Long-Term Care Insurance
Explore coverage options that help fund care while preserving your assets.
Asset Protection Strategies
Work alongside appropriate financial and legal professionals to reduce the impact of long-term care costs.
Life Insurance
Protect your family's standard of living, replace lost income, and secure your legacy.
Disability Insurance
Protect your most valuable asset—your paycheck—in case of an unexpected illness or injury.
Your Local Guide to Financial Security
When it comes to protecting your life's work, you do not need an out-of-state call center or a generic 1-800 number. You need a dedicated, local professional who understands the New River Valley community.
Willie Jester has helped hundreds of families across the NRV since 2014. Because he is local, he deeply understands the costs of nearby care facilities, the strict nuances of Virginia Medicaid, and the unique financial goals of the families who call this region home.
His approach is simple:
Educate First
We guide you through the numbers before any decisions are made.
No Pressure
We provide clear insurance options, not high-pressure sales pitches.
Personalized
Your strategy is structured around your specific home, your assets, and your family goals.
Is This Right For You?
Our consulting services are typically a great fit for NRV individuals and couples who have built a foundation of assets—such as a home or retirement accounts—and want to protect them from being depleted by healthcare costs.
Who this is NOT for:
If you are already in a care crisis and require immediate legal representation for Medicaid qualification, you may need to consult with an elder law attorney. Our goal is proactive, protective insurance strategy for the assets you have already accumulated.
Start Planning Before You Need It
The absolute best time to evaluate long-term care strategies and income protection is right now—while you are healthy and have the widest array of options available. Take the first step today to understand your risks and structure a layer of protection around your wealth.