“Retirement Planning Without Kids Demands Attention to Long-Term Care and Estate Strategies,” by Jonathan Ponciano, Investopedia
“Child-free retirees often enjoy more flexibility but must proactively plan for long-term care and estate decisions. Without heirs, the focus shifts from legacy building to safe spending,optimal risk taking, and tax-smart asset drawdowns. Naming trustworthy proxies and setting up proper beneficiary structures is particularly important when kids aren’t in the picture.”
LTC Comment, Stephen A. Moses, President, Center for Long-Term Care Reform:
DINKS (dual income, no kids) need LTCI.