New retirement book frames long-term care as a critical planning gap

By AI, Created 5:02 PM UTC, May 18, 2026, /AGP/ – Reid Abedeen’s new book argues retirees need an active, math-driven strategy to protect savings from medical costs, taxes and fraud. The release highlights long-term care planning as a central issue for couples and surviving spouses as health expenses rise with age.

Why it matters: - A retirement plan without long-term care coverage can be derailed by medical costs. - The risk is especially acute for couples, because a major health event can threaten the surviving spouse’s lifestyle. - The book argues retirees need a dynamic strategy, not a static plan.

What happened: - Reid Abedeen released The Mathematics Of Retirement: How To Safeguard Your Future in 2026 through Indie Books International. - Abedeen is a managing partner at Safeguard Investment Advisory Group. - The book uses chess as a metaphor for retirement planning. - Abedeen presents retirement planning as an interactive process that requires mathematical discipline.

The details: - The book introduces “The Safeguard Planning Playbook,” a 10-move framework aimed at reducing financial risks. - The playbook covers risk management, tax mitigation and hidden fees. - Move six asks, “Do You Have a Long-Term Care Plan?” - Abedeen says more than 50% of people need care at some stage as they age. - The book says a health crisis can overwhelm savings, investment gains, tax planning and Roth conversions. - Abedeen outlines long-term care options, including traditional insurance, annuities and life insurance. - Later chapters cover legacy planning, beneficiary designations, identity theft and scams targeting retirees.

Between the lines: - The book’s main argument is that retirement security depends on anticipating threats that do not show up in basic investment planning. - The chess framing suggests retirees should think in terms of countermoves, tradeoffs and contingency planning. - The focus on medical costs, scams and policy changes points to a broader view of retirement risk than portfolio returns alone.

What’s next: - Abedeen says retirement plans should be reviewed regularly over time. - He argues strategy sessions are needed to adjust for technological, medical and policy shifts over decades. - The book positions long-term care planning as one part of an ongoing retirement process, not a one-time decision.

The bottom line: - The book’s core message is simple: retirees who plan only for market risk may still be exposed to the costs that matter most.