- Lily Vittayarukskul shared her early fascination with aerospace engineering, including work recognized at age 12 and a role at NASA’s JPL by 16.
- A personal long-term care event in her family at age 16 prompted her pivot from aerospace to healthcare.
- She built technical expertise in genetics and AI at Berkeley before founding a company focused on long-term care solutions.
- The ideal candidates for long-term care planning are typically 40–60 years old, upper-middle-class individuals with $2–5 million in assets.
- Many financial professionals avoid long-term care due to its complexity, morbid nature, and time-consuming conversations.
- Traditional long-term care policies and hybrid/lump-sum products each have advantages depending on individual circumstances and predicted care needs.
- Self-funding long-term care is an option, but many clients are risk-averse and ultimately prefer a structured insurance plan.
- Lily’s company uses decades of data to predict long-term care events and costs, helping advisors map policies to individual client needs.
- Long-term care planning is as much about protecting family members and legacy as it is about financial strategy.
- Conversations about long-term care should start with a professional, involve spouses, and eventually include children or trusted family members.
- Many clients struggle with the emotional and logistical burdens of caregiving, which can impact their own health and quality of life.
- The topic is often avoided culturally because it forces acknowledgment of aging, mortality, and potential loss of autonomy.
Using AI to Transform Long-Term Care with Lily Vittayarukskul
Release Date: 11/07/2025
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We discuss...
Today's Panelists:
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- Barbara Friedberg | Barbara Friedberg Personal Finance
- Douglas Heagren | Mergent College Advisors
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For more information, visit the show notes at https://moneytreepodcast.com/transform-long-term-care-lily-vittayarukskul-762