# $3M+ Retirement: Long-Term Care, Early Inheritances & The "3 C's" Strategy

Page: https://stenobird.com/podcast/money-matters-by-allworth-financial-173477/3m-retirement-long-term-care-early-inheritances-the-3-c-s-strategy
Text version: https://stenobird.com/podcast/money-matters-by-allworth-financial-173477/3m-retirement-long-term-care-early-inheritances-the-3-c-s-strategy.md
Podcast: [Money Matters by Allworth Financial](https://stenobird.com/podcast/money-matters-by-allworth-financial-173477)
Published: 2026-08-15T13:00:00+00:00
Episode link: http://podcast.moneymatters.com/e/3m-retirement-long-term-care-early-inheritances-the-3-cs-strategy/
Audio file: https://mcdn.podbean.com/mf/web/n4mcx45hkp2mwc94/AWMM_2026815_PODCAST_2845oe.mp3
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Duration seconds: 2650

## Resource

Are you prepared for the complexities of a high-value retirement? In this episode of Allworth’s Money Matters, Scott and Pat break down real-world case studies for a $3M+ retirement, specifically focusing on the math behind long-term care, the tax implications of early inheritances, and a powerful framework for tax efficiency known as the "3 C's." In this episode, Scott and Pat discuss: The Long-Term Care Dilemma: They analyze a $3.7M case study where the caller is retiring abroad. Does she actually need long-term care insurance, or can she "self-insure"? Scott and Pat explain the "elimination period" strategy that could save thousands in premiums. Managing Early Inheritances: Using a $3.3M case study, Scott and Pat explore the pros and cons of buying a home for your children. They discuss how to manage early inheritances without creating family "real estate wars" or triggering unnecessary IRA taxes. The "3 C's" Strategy: Allworth partner advisor Ben Abraham joins the show to reveal a strategy for maximizing tax efficiency by balancing stock concentration and charitable giving to fuel massive Roth Conversions. Join Money Matters: Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

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