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Kac'Rae McAlonan, Registered Representative with Nylife Securities LLC

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Kac'Rae McAlonan, Registered Representative with Nylife Securities LLC

Registered Representative offering securities products and services through NYLIFE Securities LLC I am not licensed in all jurisdictions.

I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. Neither New York Life Insurance Company, nor its agents, provide tax, legal,

or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success.

1003 Dolorosa St., Victoria, KS 67671
(620) 282-0715

06/18/2026

📍 Colby, Kansas Long-Term Care Seminar

A big thank you to everyone who joined us today for our Long-Term Care seminar in Colby! We were fortunate to have our dedicated Long-Term Care Consultant with us to share valuable insights and answer questions about planning for the future.

One question that really stood out was:

“I’m 41 years old. If I wanted a life insurance policy with long-term care benefits, could I pay for it while I’m still working instead of worrying about payments in retirement? Could I pay for 10 years and then have it fully paid up?”

The answer is YES!

Many people are surprised to learn that there are options that allow you to fund coverage during your working years and have the policy paid up after a set period, such as 10 years. This can provide peace of mind knowing you’ve addressed a potential long-term care need without carrying payments into retirement.

Another important point: the younger and healthier you are when you apply, the more affordable coverage typically is. Waiting can mean higher costs and fewer options.

Planning ahead isn’t just about protecting your assets—it’s about protecting your independence and giving your family confidence in the future.

Thank you again to everyone who attended and participated in the discussion. If you’d like to learn more about life insurance with long-term care benefits or explore what options may fit your goals, feel free to reach out.

06/16/2026

📣 Join Us for a Free Long-Term Care Planning Seminar in Colby! 📣

Have you thought about how long-term care could impact your retirement, family, and financial future?

Join Aaron Lauck, Long Term Care Consultant and I for an educational seminar designed to help you understand your options and make informed decisions about protecting what matters most.

🗓 Thursday, June 18, 2026
⏰ 12:00 PM – 1:00 PM
📍 350 South Range Avenue, Suite 10, Colby, KS 67701

Topics include:
✔️ Why long-term care planning matters
✔️ The real costs of care in retirement
✔️ Medicare vs. Medicaid—what’s covered and what’s not
✔️ The impact caregiving can have on families
✔️ Strategies to help protect retirement savings
✔️ Long-term care solutions available today

Don’t miss this opportunity to gain valuable insights and prepare for the future with confidence.

🔗 Register today: https://www.colbychamber.com/events

06/01/2026

“I’ll just self-fund long-term care.”

For many people, that sounds like the safest plan… until they start looking at the numbers.

Long-term care costs locally can already approach $8,000 per month — and no one knows what those costs may look like 10, 15, or 20 years from now.

To self-fund successfully, your assets may need to keep growing consistently while also remaining accessible during a market downturn, health event, or retirement income need. That can create more risk than many families realize.

The question isn’t just:
“Can I afford care today?”

It’s:
“How would paying for care impact my spouse, retirement lifestyle, legacy goals, or financial security over time?”

A strategy for long-term care planning can help create more certainty in an uncertain future — without relying solely on market performance to carry the burden.

Planning ahead isn’t about fear.
It’s about protecting your choices. 💙

05/31/2026

Pull out the family calendar for a minute.

Now add:
• Mom’s doctor appointment
• Dad’s physical therapy
• Medication pickups
• Someone staying overnight after surgery
• Time off work to help with appointments

Then look at everything already there:
⚾ Kids’ sports
🎓 School events
💼 Work meetings
🚗 Daily life

This is the reality for so many in the “sandwich generation” — caring for aging parents while still raising children and managing careers.

Most families don’t realize how emotionally, physically, and financially challenging caregiving can become until they’re in the middle of it.

Planning ahead isn’t just about money. It’s about protecting time, relationships, choices, and peace of mind for everyone involved. 💙

05/29/2026

Most people spend years planning for retirement… but few plan for what happens if they ever need extended care along the way.

The reality is, a health event can affect more than just finances — it can impact independence, family dynamics, and future choices. Having a strategy in place early can help create more options and less stress later.

The goal isn’t to live in fear of the “what ifs.” It’s to prepare with confidence so you can focus on enjoying life today while protecting the people and goals that matter most tomorrow. 💙

05/28/2026

Peace of mind starts with a plan. 💙

The best time to start planning for future care needs is before you need it. Many people begin exploring options between ages 45–65 to gain:
✔️ More flexibility
✔️ Lower costs
✔️ Greater confidence
✔️ Protection for loved ones
✔️ Preservation of retirement assets

Having a plan in place can help you make informed decisions with clarity and confidence—while protecting what matters most.

Let’s start the conversation today.

05/27/2026

I recently had a conversation with a local elder law attorney and something that really stuck with me: most families don’t seek help until they’re already in crisis mode. By then, they’re trying to make difficult decisions quickly while also figuring out how to protect the assets and legacy they’ve worked so hard to build.

Long Term Care planning isn’t just about finances — it’s about creating a strategy, protecting your family, and making sure your wishes are known before a crisis happens. The earlier these conversations start, the more options and flexibility your family may have in the future.

Estate planning and Long Term Care planning go hand in hand. A plan today can help bring clarity, confidence, and peace of mind tomorrow.

If you haven’t started the conversation yet, this is your sign.

05/20/2026

Most people don’t realize there may be a smarter way to prepare for long-term care.

According to What You Really Need to Know for the Second Half of Life by Joseph E. Roseman, Jr. and featuring Certified Elder Law Attorney Adam C. Dees, the Pension Protection Act created opportunities for individuals to reposition certain life insurance policies and annuities into long-term care solutions — potentially allowing gains to be used tax-free for qualified long-term care expenses.

“Thanks to this Pension Protection Act, you can take the entire value of the contract… and move those funds directly into a long-term care policy.” — What You Really Need to Know for the Second Half of Life (2025 update)

As more families face the realities of aging parents, retirement planning, and healthcare costs, education around long-term care has never been more important. My goal is to become a trusted local resource for individuals and families looking to better understand their options and prepare with confidence.

Long-term care planning isn’t just about protecting assets — it’s about protecting dignity, independence, and the people you love most.

If you’d like to learn more about long-term care strategies and how they may fit into your retirement plan, let’s connect.

📘 Source: What You Really Need to Know for the Second Half of Life (Updated for 2025), Joseph E. Roseman, Jr., featuring Adam C. Dees, Certified Elder Law Attorney, pp. 237–238.

04/24/2026

💡 Where is your money REALLY working for you? Is your money just sitting there, or is it actually strategically growing?

Let’s compare:

🔹 CDs
• Fixed rate of return
• Fully taxable interest (1099 every year)
• Limited flexibility if you need access

🔹 Cash Value Life Insurance
• Tax-deferred growth inside the policy
• Potential for tax-free access through policy loans (if structured properly)
• No contribution limits like many retirement accounts
• PLUS a death benefit to protect your family

💥 Here’s what most people overlook:
When you factor in taxes, the net return on a CD can be significantly reduced…

Meanwhile, cash value life insurance is designed for steady, long-term growth — and when structured properly, its after-tax returns can be competitive with (or even outperform) CDs over time, especially for those in higher tax brackets.

👉 Not all “safe money” is created equal.
👉 Some money gets taxed now (CDs = “1099 now”)
👉 Some money can be positioned for “1099 never” 💥

This isn’t about replacing everything you do — it’s about repositioning a portion of your money more efficiently.

If your goal is long-term growth, tax efficiency, and protection… it might be time to rethink where your dollars live.

📩 Want to see how this could look for you? Let’s connect.

Address

1003 Dolorosa Street
Victoria, KS
67671

Telephone

+16202820715

Website

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