Long-term care planning is no longer just about nursing homes and traditional insurance policies. This forward-looking panel brings together experts from across the spectrum—insurance strategy, technology innovation, and hands-on care delivery—to help advisors navigate the modern realities of aging and care. Karry Ballinger will highlight evolving insurance solutions and hybrid funding strategies to address clients’ diverse needs. Lily Vittayarukskul will showcase how AI-driven planning tools are transforming the way advisors model care costs and anticipate client scenarios. Brian Levy will share real-world insights into care delivery—from in-home to residential settings—and how family dynamics and emotional readiness shape financial decisions. Together, the panelists will demonstrate how integrating technology, funding options, and practical care models creates more holistic, proactive plans. Attendees will leave equipped with actionable frameworks to help clients start the long-term care conversation earlier, set realistic expectations, and make confident, informed choices for their future well-being.
Learning objectives:
- Identify LTC risks and their planning implications.
- Evaluate insurance-based and alternative funding strategies for varied client scenarios.
- Analyze the role of AI tools in modeling care needs and costs
- Compare care delivery models and assess their impact on family decisions and financial outcomes.
Meet the speakers:
Karry Ballinger, CLTC - With over 25 years of experience in long-term care (LTC) planning, Karry focuses her time and attention on educating advisors and their clients to help them better prepare for the cost of healthcare in retirement. Her customized solutions cater to each client’s individual circumstances. Karry holds her Certified in Long-Term Care (CLTC) designation and maintains multi-state licenses, along with ongoing continuing education in her field of expertise. If you have a group you would like Karry to speak to, she is a firm believer that education is key to making the best decisions to protect your family from the high cost of long-term care.
Lily Vittayarukskul is the Co-Founder and CEO of Waterlily, a patented inventor, and a World Economic Forum Top Innovator and invited speaker. After starting college at 14 and interning at NASA by 16, she graduated from UC Berkeley with a bachelor’s degree in Genetics and Data Science. She led product and engineering at multiple startups before founding Waterlily, a financial technology company that predicts a family’s future LTC needs and costs in retirement by analyzing more than 500 million data points using its AI modeling software. Waterlily makes long-term-care planning as simple as any other portfolio decision. In one meeting, you can compare self-funding with every traditional, hybrid, or annuity-based LTC policy on the market; our AI tests thousands of possible insurance combinations against your client’s projected care costs and instantly highlights the best-value mix - no insurance license or carrier training required. When the client is ready, Waterlily auto-fills the application, provides real-time underwriting feedback, and collects e-signatures in minutes, turning a process that used to take months into an hour-long conversation.
Brian Levy is the Chief Relationship Officer of Cambridge Caregivers and Manchester Care Homes. A “people person” to the extreme, Brian loves to meet new people and extoll the virtues of Cambridge Caregivers and Manchester Care Homes. Brian is the host of the Manchester Living Podcast, offering insight to families trying to navigate the complex maze of challenges facing our aging community and their families. Brian holds a degree in Psychology from Menlo College. He lives in Dallas with his wife and their dog Dash. Brian has twin teenage boys who he enjoys the great outdoors with hunting, fishing and golfing.