Get answers to these questions and more:

• How can I protect my savings for myself and my children from the costs of long-term care?
• When is the right time to start planning my long-term care strategy?
• Do I need to worry about long-term care if I never go into a nursing home?
• Will Medicare or Medicaid pay for my long-term care needs?
• What is long-term care insurance and is it my only option?
• Can I afford long-term care insurance?
• What if I don't qualify for long-term care insurance?

Fixed annuities and insurance are offered through ESL Investment Services, LLC, a subsidiary of ESL Federal Credit Union. ESL Investment Services, LLC
and ESL Federal Credit Union are not insurance companies or insurance underwriters. ESL Investment Services, LLC, member FINRA/SIPC, provides referrals
to LPL Financial and its affiliates. ESL Investment Services, LLC and ESL Federal Credit Union are not affiliated with LPL Financial or its licensed affiliates.

• Not NCUA Insured
• Not Credit Union Obligations
• No Credit Union Guarantee
• May Lose Value

Securities and advisory services offered through LPL Financial, member FINRA/SIPC, and a Registered Investment Advisor.
Insurance products may also be offered through LPL Financial or its licensed affiliates.