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Michael B. FitzPatrick, CLTC President and Co-Founder of The LTC Partnership, LLC, focuses on helping retirees develop a plan to protect against their two greatest financial and emotional concerns: Running out of money and spending all their assets on health-related issues, not covered by traditional health insurance or Medicare. He has been specializing in Retirement Income Planning and Long Term Care strategies since 2001. Mr. FitzPatrick has been quoted in numerous publications, including the NJ Garden State Women magazine, Advisor Today, Life and Health Insurance Foundation for Education, Resource Guide for Family Caregivers…

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Retirement & Income Planning

It’s not just about having a portfolio. It’s about solving for income — about ensuring you will have enough money to last you throughout your life. We can help you achieve that goal.

Investment & Wealth Management

No two lives are the same. Plus, circumstances change. We understand the need for a personalized approach and holistic perspective to your money management and the agility to stay ahead of change.

Tax Planning

Taxes are a certainty. But you may be paying out too much to Uncle Sam. We’ll help you cut your tax bill by factoring taxes into all your financial decision-making.

Legal Services

Without a plan, your retirement vision can fall apart. Our legal team can help you plan with certainty to experience the peace of mind you need for a fulfilling retirement journey.

Life Insurance

Living in the present is great for everyday living—not when it comes to protecting your family long-term. Our life insurance solutions can safeguard your family’s future and ensure your serenity now.

Long Term Care Options

Scientific innovations extend life but come with astronomical care costs that can drain your assets. We’ll put a plan in place that helps to eliminate caregiving burdens and protects your savings.

Social Security Planning

You can leave a lot of money on the table when you’re confused about how and when to file for Social Security. Rest easy. Our advisors will ensure you receive all the earnings you deserve.

Medicare & Health Insurance

Medicare’s myriad insurance options make choosing the right plan overwhelming. Our advisors will cut through the information overload and suggest the plan options that best match your unique needs.

Real Estate & Home Equity Solutions

Whether to downsize or age in place? The question haunts you. Our professionals can guide you—options to execution—and help you comfortably settle into the place you’ll call home.

Aging & Longevity Services

Are the uncharted waters of the second half of life leaving you adrift? Our longevity advisors can help. We’ll connect you with the longevity services and support for smooth sailing and purposeful, meaningful living.

"Aging is an extraordinary process where you become the person you always should have been."

David Bowie



February 25
6:30 pm – 8:30 pm

Park Avenue Club, Florham Park, NJ

Join your host, Michael B. FitzPatrick, President and Co-Founder of The LTC Partnership, LLC., for a fine dining experience and informative discussion where he will help shed light on the impact our new leadership in the White House and overall market conditions could potentially have on you and your retirement assets. Click Here to read more.


The Only Constant is Change (Especially with Taxation)

We talk a lot about people not doing tax planning and not spending more time creating the tax outcomes they want. We urge people to understand that it’s within their own control and that tax outcomes can be legally and ethically manipulated. We go on and on about the benefits. But…we understand why it’s so […]

If You Give to Charities or Have Plans to In the Future, It’s Not Too Late to Reduce Your Current Tax Bill!

Many people have the intention of doing a better job of “tax planning” in order to start having more favorable outcomes, but busy lives and life interruptions can leave them little time. If this is you, you’re not alone. Time flies even in normal times, but with the current stressful environment, everyone is scrambling even […]

Have 15 min to discuss your financial future?



Founder of LifeEncore, The Retirement Transition and Life Planning Expert for Boomers

Episode: The Solo Ager: Proactively Protecting the Ties that Bind

5 Things You’ll Learn:

  • People age alone for many reasons other than not having had children
  • Recognizing, planning for, and meeting the challenges that accompany aging
  • The importance of assessing facilities in your area before you need help
  • Taking healthy proactive steps vs. managing a crisis
  • However unpleasant the idea, working things out now is a parent’s greatest gift