CJB Insurance Services

06/04/2026

The costs of caring for aging parents don't always arrive all at once; they build quietly, in small decisions that add up faster than most families expect. This article does a beautiful job capturing both sides: the financial reality AND the emotional weight that rarely gets talked about.

What I'd add from my corner of this conversation: long-term care insurance is one of the most powerful tools for protecting both your parent's dignity and your family's financial foundation. But it only works if it's in place before the need arises.

If this article resonates with where you are right now, let's talk.
https://www.newhorizonsfc.com/blog/the-true-cost-of-caring-for-aging-parents-and-how-families-can-prepare

Understand the real financial and emotional costs of caring for aging parents—and steps families can take to plan, budget, and reduce stress.

06/02/2026

There are 53 million unpaid caregivers—people providing care for their loved ones in the home—in America. They provide over $870 billion in services to society each year by caring for these people. Some of these caregivers and/or those receiving care may be your loved ones.

If you are or have been a caregiver, what is something you’d like people to know?

For me, when my family was helping care for my mother, I felt like my friends did not understand, and I felt very lonely about that part of my life. Now, I would take the time to share this with friends so they could have better supported me, if only emotionally.
https://publichealth.jhu.edu/2025/what-is-the-caregiver-crisis #:~:text=There%20are%2053%20million%20unpaid,of%20caring%20for%20these%20people.

There are an estimated 63 million caregivers in the U.S., paid or unpaid, who provide care for people who rely on them for basic needs. While that might seem a mighty number, this invisible workforce is under increasing strain.

06/01/2026

Take pride in who you are!

05/29/2026

Term life insurance is a simple way to protect your family. There are also ways to strategize with term insurance. For example, you can ladder policies. New clients just purchased a $2 million for 20 years and a $1 million for 30 years instead of a $3 million for 30 years. This addresses their concern about their kid's college education (among other things) and is less expensive than a $3 million policy for 30 years would have been.
I have many clients who purchase policies in different configurations.

I’d be happy to talk with you and determine which configuration best suits your situation.

https://www.linkedin.com/posts/suzeorman_termlifeinsurance-financialplanning-protectyourfamily-activity-7244345087357263872-WQeX/?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAAAFmQBqAzI3xKQAsJyev3g6SheCRjtQgI

When selecting life insurance, one of the most important decisions is determining how long you’ll need coverage. With term life insurance, you have flexibility. You can choose a 5-year, 10-year, 20-year, or even longer policy depending on your needs. For example, if you have young children, consid...

05/28/2026

Lisa asked such great questions on behalf of her audience at the Not Ready Yet: Curating Conversations for the Aging Journey. This is the full episode and we both agreed that a Part II is in the future. I look forward to it, Lisa!

https://youtube.com/shorts/Z8AYeBMT6kg?si=XzjlK7i4nT6CGlRY

Lisa Harper and Carly Ebenstein highlight where Medicare coverage ends, and where long-term care coverage steps in.

05/25/2026

Wishing everyone a wonderful Memorial Day!

05/21/2026

I was recently a guest speaker on Lisa Harper's podcast: Not Ready Yet: Curating Conversations for the Aging Journey. We discuss exactly what long-term care insurance is and how it helps.

This quick video provides quick answers on LTCI!

https://youtube.com/shorts/q3sFlRBTUAA?si=bZ7I70Vv9jkYwQdJ

Carly Ebenstein is a guest speaker on Lisa Harpers podcast: Not Ready Yet: Curating Conversations for the Aging Journey. Carly and Lisa discuss what exactly ...

05/19/2026

The Great Wealth Transfer assumes the wealth survives long enough to be transferred.
For many families, an unplanned extended care event is the variable no one accounted for.
This is exactly why Long-Term Care planning is part of every conversation I have with clients, not as an afterthought, but as a cornerstone of any real legacy strategy.
The Newsweek article that CLTC notes is worth a read.

https://www.linkedin.com/posts/cltc_financialadvisors-wealthmanagement-ltcplanning-activity-7450211368198123520-JTxH?utm_source=share&utm_medium=member_desktop&rcm=ACoAAADCCEwBy213WEnPQJkegYCoKS1IYhVR3hE

05/12/2026

The best part of my work isn’t just helping clients—it’s knowing they felt supported, confident, and well-advised along the way. Thoughtful feedback like this means everything.

05/10/2026

Happy Mother's Day!