Objective Long-Term Care Planning by a CPA
Independent Long-Term Care Planning by a Certified Public Accountant
Price Waterhouse, London · CPA (California) · CGMA · FCA (England & Wales)
Helping partners at the Big 4, corporate executives, business owners, and affluent families make informed long-term care decisions through objective, carrier-neutral analysis. Every review is personally conducted — never outsourced, never sales-driven.
See the Numbers First
That is the question almost everyone is really asking, and it deserves an answer before any explanation of how the coverage works. Four sample client illustrations show exactly what a single-premium design looks like for a healthy 50-year-old couple in California: the premium, the cash value that remains available to you, the net capital actually at risk, and the benefits guaranteed for life.
*Based on the combined monthly benefit for two insureds. Illustrative examples only; results vary by age, health, carrier underwriting, and policy design.
The Financial Reality in California
A monthly figure is difficult to judge in isolation. The same number over a realistic period of care is not.
Approximate, at a Bay Area private nursing home room of roughly $15,000 a month. A semi-private room runs closer to $12,000, and in-home care varies with the hours required.
These are today’s costs. They do not allow for future increases — and roughly one in five people who need care will need it for more than five years.
Why Clients Contact Me
If any of these apply, you are in the right place.
The Case for a Review
Insurance products change. So do tax laws. So do your financial goals. A policy purchased fifteen or twenty years ago may no longer represent the most efficient way to protect your family.
A professional review may identify opportunities to:
Sometimes the recommendation is to keep exactly what you own. Independent advice means the recommendation follows the facts — not a sales quota.
Just as major financial statements are independently audited, significant insurance decisions deserve an objective review. You may discover that your existing coverage remains the best choice. Or you may uncover opportunities that were unavailable when your policy was originally purchased. Either way, you will know.
The Difference
This is disciplined, audit-style insurance analysis — not a product pitch.
| CPA-Led Review | Product-Focused Sale | |
|---|---|---|
| Analysis | Independent | Product-focused |
| Carrier selection | Multiple carriers | Usually limited |
| Tax considerations | Included | Limited |
| Estate coordination | Integrated | Separate |
| Business owner planning | Considered | Often omitted |
This is not a criticism of insurance agents — it simply reflects two different starting points.
Experience
No call centers. No junior advisors. No outsourcing.
Every recommendation you receive is prepared personally by Bert Payne — not delegated to staff or outside consultants.
How It Works
1
A customized analysis built around your objectives — not a sales quota.
2
An independent evaluation of available strategies and any existing coverage.
3
Carrier-neutral recommendations aligned with your financial goals.
Clients
The Cost of Waiting
Planning early creates choices. Waiting often removes them.
“The best insurance decisions are made before they become necessary.”
— Withbert W. Payne, CPA
HelpVet Advisor · 2026–2028
I am honored to serve veterans and their families through my appointment as a HelpVet Advisor, providing independent, complimentary insurance reviews.
Ready to Begin?
Whether you are evaluating new coverage or reviewing policies you have owned for years, an independent CPA review can help you make a more informed decision.
Request a Complimentary ReviewPrefer to speak first? Call Bert directly at (925) 708-6501.
Confidential. Complimentary. No obligation.
This website is for informational purposes only and does not constitute personalized insurance, legal, or financial advice. Insurance products and availability vary by state. Withbert W. Payne is a licensed insurance broker (CA License No. 0E90257). Policy illustrations and hypothetical results are shown for illustrative purposes only and are not guarantees of future performance. Results will vary based on individual health, age, carrier underwriting, and policy design. Long-term care benefits are generally income-tax-free; insurance decisions should be coordinated with your tax, legal, and financial advisers. All consultations are complimentary. This is a solicitation for insurance.
