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About Les

Advice built on experience.

More than 40 years in financial planning shaped how Les approaches long-term care today.

Les Goldstein, independent long-term care insurance advisor
Les GoldsteinIndependent Long-Term Care Insurance Advisor - Chicago, IL

Retirement is not just about building wealth. It is about protecting the life you have worked so hard to create.

For more than 40 years, I helped individual and couples make informed financial decisions with clarity and confidence. After spending years with a major Wall Street investment firm, I founded Personal Financial Strategies, Inc. in 1996, spending over 25 years helping clients to grow, preserve, protect and then transfer their wealth to their loved ones.

After retiring from Personal Financial Strategies in 2022, I chose to return to the financial services industry with one focus: helping individuals and families prepare for the possibility of a long-term care event in their lives, potentially disrupting all of their otherwise well-designed plans.

Long-term care planning is about much more than just selecting the correct long-term care insurance policy. An unexpected health event can affect your retirement savings, your independence, your choices, and the people you love most. Planning ahead can help protect what you have built, while reducing the financial and emotional burden on your family.

Education has always been at the center of my approach. I am the author of Big Picture Retirement Planning: A Bird’s Eye View for 3,000 Feet, and believe in listening first, explaining options clearly, and helping clients make informed decisions with clarity and confidence. My way of helping you is to listen first, understand your life situation as completely as possible, explain your choices clearly and in writing, and help you to make an informed decision with clarity and confidence.

How Les works

How these conversations go

The policy is one piece of a much larger financial and family picture.

Education first

Before we talk about any product, we talk about what long-term care is, what triggers it, and what it could cost. Decisions come after that.

No forced fit

Traditional coverage, LTC + life, or LTC + annuity - your health, assets, goals, and budget decide, not a product menu.

Honest either way

If you don't need a policy, or your current one is still the better choice, I'll tell you directly.

A career built on the full picture

Ready to talk it through?

It starts with your situation, your questions, and what you want to protect.