525 Advisors guided us to a plan that fit our needs exactly. Our plan is structured to match our obligations regarding Minimum Required Distributions from my IRA and it provides an adequate amount of financial protection in case either my wife or I (or both) need long-term care, even for a very long time. I like the fact that if the face value of our policy is not used in LTC expenses, the remainder is returned to our estate upon death. Brian Ott and his staff were kind and very attentive to our questions and briefed us on every step in the process of finalizing the policy, and afterwards. We always felt we were in the hands of competent professionals who sought to understand our situation and had our best interest at heart.