Long-Term Care Planning
in Denver
At BAM, our long-term care planning helps protect your retirement from one of its biggest potential risks.
We look at what care could cost, find any gap in your plan, and put a strategy in place before you need it.
- Long-term care cost projections for Colorado
- Tax-efficient long-term care funding
- strategies
- Gap analysis between your income and potential future care costs
- Family and caregiver planning
- Account access planning
How We Build Your Care Plan
Identify the Risk
About half of Americans 65 and older will need intensive long-term care at some point.¹ We start by looking at what that risk actually means for your specific plan.
Project the Real Cost
In Colorado, long-term care typically runs from about $6,500 to more than $12,000 a month depending on the type of care,² and costs keep climbing.³ We project what that looks like years from now, not just today.
Find and Help Fill the Gap
We compare your future income and portfolio against projected care costs. If a gap exists, we look at tax-efficient ways to help cover it, without adding unnecessary risk.
Document the Plan
Even without a policy in place, we build a written plan: which accounts to spend down first, who to contact, and whether care happens at home or in a facility.
Recognized for excellence by:
Why It Matters
Long-term care may be one of the biggest potential risks to a retirement plan, and Medicare does not cover it.
Know what long-term care actually costs in Colorado, today and in the future.
Help keep the cost and burden of care from falling on your spouse or children
Have a documented plan ready, even without a policy if appropriate
Help protect your portfolio from being drained by a health event
Options for tax-efficient funding in place where you qualify
Help reduce stress and uncertainty for your family when care is needed
Who This Is For
You could benefit from long-term care planning if you:
- Have never looked at what long-term care actually costs in Colorado
- Are worried a future health event could drain your retirement savings
- Want a plan in place before a decision has to be made under pressure
- Haven’t reviewed who has access to your accounts
For 25+ years we’ve helped people just like you retire on their terms
Explore the Rest of Your Retirement Gameplan
Long-term care planning is one piece of the full BAM Retirement Gameplan.
We also help with income planning, tax planning, investment management, and estate and legacy planning, all working together toward one retirement plan.
Disclosures
¹ of Their Long-Term Care Risks?” Issue in Brief 25-3, Center for Retirement Research at Boston College, February 4, 2025. https://crr.bc.edu/do-households-have-a-good-sense-of-their-long-term-care-risks-2/
² CareScout, Cost of Care Survey 2025 (conducted July through November 2025). Colorado median annual costs: assisted living community $79,005; semi-private nursing home room $121,910; private nursing home room $146,183. Monthly figures are calculated by dividing annual medians by 12. https://www.carescout.com/cost-of-care
³ Genworth Financial, “CareScout Releases 2025 Cost of Care Survey Results,” March 2, 2026. https://investor.genworth.com/news-events/press-releases/detail/1054/carescout-releases-2025-cost-of-care-survey-results
Figures reflect statewide medians; actual costs vary by location, provider, and level of care.
