Long-Term Care Cost Planning · Asset Protection · Middle Tennessee

Don't let the cost of care rewrite your legacy.

You spent decades building something worth passing on. A few years of long-term care can quietly undo it — unless you plan while every option is still open.

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The Gap Nobody Talks About

Too much to qualify for help.
Not enough to pay for care forever.

If you've built real wealth — a paid-for home, savings, retirement accounts — you're in the hardest spot there is. You've done everything right. And that's exactly why a long stretch of care can hit hardest: there's no safety net, and there's something real to lose.

Medicare doesn't pay for ongoing long-term care. Without a plan, the cost comes straight out of the savings, investments, and home equity you meant to leave to your children. Families in this position rarely lose an inheritance to a bad decision. They lose it to no decision at all.

You've built real wealth A home, savings, and retirement accounts — enough to be worth protecting, and enough to lose.

You don't need care today You're healthy, independent, and thinking ahead — which is precisely when planning works best.

You want it to go to family Not to a facility, and not to a system that only steps in once there's nothing left.

Why Timing Is Everything

Planning before care is needed
changes what's possible.

Once care becomes urgent, your options narrow fast. Plan early, and almost everything is still on the table.

Protect the home Your house is usually the largest asset at stake — and one of the most protectable, if it's addressed in time.

Position your savings Structure what you've set aside so the cost of care doesn't come straight out of your family's inheritance.

Respect the clock Many of the most effective strategies carry waiting periods measured in years. The time to start is while you're healthy.

Avoid the costly mistakes Gifting, adding the kids to the deed, last-minute fixes — well-meaning moves that can cost a family its options. We plan around them.

The Authority Behind the Plan

We didn't just study elder law.
Our team helped define it.

Timothy L. Takacs

Of Counsel · Certified Elder Law Attorney

Tim Takacs is recognized nationally as a pioneer in elder law and planning for the cost of long-term care, with more than 30 years devoted to older adults and their families. He was among the first attorneys in the country to develop the Life Care Planning model now used across the elder law field, has written multiple books on elder law, and has trained hundreds of attorneys nationwide.

A founding member and past president of the Life Care Planning Law Firms Association and a former national board member of the National Academy of Elder Law Attorneys, Tim brings that depth to every family we serve.

Certified Elder Law Attorney (CELA)
Founding Member & Past President, Life Care Planning Law Firms Association
National Academy of Elder Law Attorneys — National Board of Directors
NAELA John Regan Writing Award recipient

Read Tim's Full Bio →

Working alongside Allen Christie, Tim's long-term care cost planning and the firm's Life & Legacy Planning — our name for a complete estate plan — are built together, by one firm, as one plan.

How It Works

Three steps. No pressure at any of them.

Free 15-Minute Call A quick conversation with our team to understand your situation and whether pre-crisis planning is the right fit.

Family Wealth Planning Session A thorough, guided review of your family, your assets, your health outlook, and your goals — and the options still open to you.

Your Plan, Built & Maintained Your estate plan and your long-term care cost strategy in one coordinated plan — with a team that stays with you as life changes.

Before You Call

Questions families ask us first.

Isn't this only for people who are already in a nursing home?

No — that's when the fewest options remain. Pre-crisis planning is for people who are well today and want to stay in control of what happens later.

I already have a will or a trust. Doesn't that handle it?

Usually not. A standard will or revocable trust decides who inherits. It does little to keep those assets from being spent on care first. That takes a different kind of planning.

What if we never need long-term care?

Then you'll have a complete, well-built estate plan and the peace of mind that came with it. Nothing is wasted — the plan simply does its quieter job.

Is it too late if care is already on the horizon?

It's rarely too late to do something, but it's often too late to do everything. The sooner we talk, the more we can protect.

What People Are Saying

Trusted by families across Middle Tennessee.

“

My wife and I can't recommend Allen and his team enough! They took what can be a difficult and uncomfortable process and walked us through each step with care and patience. Allen answered all of our questions and helped us map out the best plan for our family.

— Greg Malham

“

The Life and Legacy Law Center is a warm, caring and professional legal team. They are keenly knowledgeable and provide insight into making decisions on how to create a family legacy. They kept us on track every step of the way.

— Charquet Halbert

Start the Conversation

Find out what's still protectable — before it isn't.

A free 15-minute call with our team is all it takes to know where you stand and what your options are. No pressure, no pitch.

Book a Free 15-Minute Consultation Or call us directly: 615-257-1055