" your biggest financial concern? Avoiding scams and fraud? Having enough money in retirement? Paying for long-term care if you need it? "

All the above, I have to say. I avoid scams; I don't want to be tricked. I have money; I want to be sure it sticks around! I am significantly disabled; long term care might be an issue.

Joel Metzger Being able to afford long-term care takes planning. You might want to consider meeting with an elder law attorney to discuss how creating a trust can help you plan for long-term care. Here's an article to you started: https://www.getcarefull.com/articles/how-to-use-a-trust-to-plan-for-long-term-care