At Cooper & Associates, our mission is to understand what our clients concerns are about their retirement income so that we can provide practical financial solutions to help improve the quality of their retirement years.

We have the unique ability to:

• Identify our client's concerns and needs
• Provide up-to-date information for education and decision-making
• Offer individually tailored plans to meet our client's needs
• Help our clients make informed and wise financial decisions
• Provide a wide range of products with creative solutions

Call us today at 859-224-0764 or email us to set up a conversation that will lead to a more secure financial future for you and your family.

Consider These Facts

• Since 1995, the cost of medical care in the U.S. has risen 40% and is showing no signs of slowing down. That kind of sticker-shock can be difficult to comprehend, even for those with solid retirement plans. One of the largest medical costs today is long-term care. In fact, the average cost of a one-year stay at a nursing home, is almost $70,000.
• With the costs increasing at about 4% per year, this care could cost $150,000 to $250,000 per year in 20 to 30 years.
• 40% of people who need long term care are working age adults between the age of 18 and 64. The probability of losses in physical functioning increases with age - dramatically so for the population aged 65 and older.
• The average nursing home/nursing facility stay is 2.4 years and 10% of residents will stay five years or longer.
• The average life expectancy in the U.S. was 77.9 in 2004, according to the National Center for Health Statistics. And the older one gets, the longer the life expectancy becomes. In 2003, those age 65 could expect to live, on average, to 83.4, according to the center. And people age 75 in 2003 could expect to live to 86.8.
• Nearly half of all Americans still spend at least some portion of their so-called golden years living in poverty.

Please call us at 859-224-0764 or email us for a free consultation.