With 2025 winding down, small business owners have a narrow window to lock in powerful tax savings through traditional long-term care (LTC) insurance. Unlike hybrid policies or self-insurance, traditional LTC provides dedicated, tax-qualified coverage for nursing homes, assisted living, or in-home care—benefits are received tax-free. For advisors, this is a prime opportunity to protect clients’ wealth and leverage their business structure for immediate tax relief. Why Small B