Care Plan Financial
ABOUT US
Your Trusted Partner in Financial & Health Planning.
Irene Jo
Principal Partner, Financial Professional
Care Plan Financial is a team of professionals dedicated to helping individuals and families make confident financial decisions through life insurance, annuities, retirement plans (401K rollovers), Medicare, ObamaCare, health insurance, and living trusts.
We understand that financial and health needs change with each stage of life. That’s why we provide personalized consultations and reliable expertise to design optimized strategies tailored to every client’s goals.
Based in Fort Lee, New Jersey, our team proudly serves individuals, families, and small business owners—with a strong commitment to improving the quality of life for the Korean-American community.
Our Promise
● We help protect your future and preserve your assets.
● We provide ongoing guidance as your life circumstances evolve.
● We offer integrated solutions for both financial and health planning.
Meet Our Founder
Inhyang Jo has held Life, Annuity, and Health Producer Licenses since 2017 and is an experienced financial and health insurance professional. With over 25 years of experience as a registered nurse (RN) across Korea and the U.S. in pediatrics, internal medicine, dialysis, hospice, and more, she brings deep medical insight into every consultation.
Holding a Master of Science in Nursing (MSN), as well as certifications like CDN/CNN (dialysis), ACLS, and BLS, she offers uniquely comprehensive guidance that bridges financial planning with genuine care for your health.
Her services cover retirement planning, Medicare, health insurance, long-term care, cancer insurance, living trusts, and more—always delivered in both English and Korean to serve a diverse client base.
Do you have questions like these?
● How do I start planning for retirement?
● What’s the best Medicare or health plan for me?
● Do I need long-term care or cancer insurance?
● Should I set up a living trust to protect my family?
Care Plan Financial helps you navigate all of life's transitions with strategies that align with your goals and bring lasting peace of mind.
OUR MISSION
Our mission is to empower individuals and families to make smart, confident decisions about their finances and health. We offer customized advice and access to trusted solutions—from life insurance and annuities to Medicare, ObamaCare, long-term care, cancer coverage, and living trusts.
With long-term support and expert planning, we help our clients protect their assets, manage their health, and live with peace at every stage of life.
Honesty is Our Top Priority
Customized Financial Service
Customized Health Insurance
Ongoing Support & Management
Professional Services
We provide the following core financial services to our clients:
Medicare
Turning 65 qualifies you for Medicare, but choosing the right plan can be confusing.
Care Plan Financial offers 1:1 customized support to help you choose the best Medicare option based on your health needs, preferred doctors, and prescriptions.
With over 25 years of RN experience, our expert also provides personal health consultations to ensure you fully understand and maximize your benefits.
Life Insurance
Life insurance is a powerful way to protect your loved ones, but it’s not one-size-fits-all.
We tailor solutions based on your life goals, finances, and family needs. Options include:
● Term Life
● Whole Life
● Universal Life
● Indexed Universal Life (IUL)
Insurance isn’t just a product—it’s a strategy. Let us help you plan wisely
Annuities
Annuities are essential for stable retirement income.
We offer custom solutions that prioritize principal protection, reduce risk, and guarantee lifetime income. Some plans even double payouts during long-term care situations.
Secure your future with predictable income—no matter what.
Retirement Planning & Long-Term Care (LTC)
With life expectancy nearing 100, planning beyond retirement is more important than ever.
Medicare only covers limited long-term care, leaving many to face high out-of-pocket costs.
We offer annuity options that double benefits during care needs and long-term income strategies that safeguard your future.
Prepare now so you won’t have to worry later.
401(k) & IRA Rollovers
Nearly half of working Americans hold retirement plans like 401(k), 403(b), or TSP. But without expert rollover planning, those assets can become vulnerable at retirement.
We help you:
● Optimize tax efficiency
● Choose between fixed or growth options
● Understand available rollover benefits
Retirement income is a strategy. Let’s plan it right.
Business Tax Strategies
We design efficient tax strategies for business owners.
Through deductions, deferrals, and tax-advantaged plans, we reduce taxable income and incorporate retirement planning—including insurance-based retention strategies for key personnel.
Tax planning is not optional. It’s essential.
Living Trust
Living Trust In the U.S., assets pass through probate after death—a court process that takes time, costs money, and makes your personal information public.
A Living Trust avoids probate, allowing your assets to transfer directly to beneficiaries. It also enables smarter estate and tax planning.
Care Plan Financial partners with financial advisors and estate attorneys to ensure your wishes are honored smoothly and privately.
Plan now so your legacy is protected.
Obama Care
Obama Care, officially known as the Affordable Care Act (ACA), is a federal health insurance program that provides premium subsidies based on income. It aims to reduce medical costs and expand access to coverage for more Americans.
You may qualify regardless of pre-existing conditions, and legal residents such as U.S. citizens and green card holders can apply.
Care Plan Financial assists with eligibility checks, plan selection, and enrollment—at no cost to you.
FAQ
1. What services does Care Plan Financial offer?
Innovative and deadline-driven Graphic Designer with 3+ years of experience designing and developing user-centered digital/print marketing material from initial concept to final, polished deliverable.
2. When should I start planning for retirement?
The sooner, the better. Starting early gives your assets more time to grow, provides more options, and helps ensure a stable future.
3. What is long-term care (LTC) planning and why is it important?
It is financial planning to prepare for extended medical care in later years. It helps protect your assets and reduces the financial burden on your family. About 80% of Americans receive long-term care before they pass away, but Medicare only covers up to 100 days. After that, costs are 100% out-of-pocket. The solution is to enroll in long-term care insurance or a life insurance or annuity policy with long-term care benefits to protect assets and ease the financial burden on loved ones.
4. What is the difference between term life insurance and permanent life insurance?
Term life insurance provides coverage for a specific period, while permanent life insurance offers lifetime coverage and builds cash value. Unlike older policies, many modern plans now include living benefits. We guide you to the most suitable product for your needs.
5. What is an annuity, and how does it help with retirement planning?
An annuity is a financial product that guarantees a steady income for life after retirement. Think of it as a second personal Social Security. It offers a stable financial foundation for a peaceful retirement, especially as life expectancy continues to rise.
6. Do you assist with 401(k) or IRA rollovers?
Yes. We design rollover strategies tailored to your situation, offering higher interest rates and additional benefits without tax penalties. You can roll over a retirement plan from a previous employer at any time, and rollovers from a current employer’s plan are possible once you are over 60.
7. Do you offer consultations on Medicare?
Absolutely. We guide you through Medicare enrollment, plan selection, benefit understanding, and more. We also provide support for Obamacare and Medicaid consultations.
8. Are Care Plan Financial's strategies effective for reducing taxes?
Yes. We offer customized tax-saving strategies for both individual retirees and business owners, helping reduce tax burdens and manage assets efficiently. We collaborate with tax experts, such as CPAs and tax attorneys, to provide comprehensive support.
9. Do I need life insurance even if I have savings?
Yes. Life insurance provides guaranteed protection along with tax benefits and advantages in wealth transfer that savings alone cannot offer. Modern life insurance policies often include living benefits, which allow you to access death benefits while still alive—making them highly attractive.
10. Do ordinary people need a living trust?
Yes, especially if you own a home. Assets in a trust transfer directly to beneficiaries without probate (court proceedings), saving time and costs while protecting privacy.
11. Do I need a living trust even if I have a living will?
Yes. A living will addresses medical decisions, while a living trust manages and transfers assets without probate after death. A living trust package often includes documents like a living will, so it is more effective for those who own assets.
12. Who is eligible for ObamaCare, and when can I apply?
Obama Care (officially the Affordable Care Act) is a health insurance program available to U.S. citizens, green card holders, and other legal residents.
You can apply regardless of any pre-existing conditions, and depending on your household income, you may qualify for government subsidies that significantly reduce your monthly premiums.
The main enrollment period (Open Enrollment) runs each year from November to early January.
However, if you've experienced a major life event—such as moving, giving birth, getting married, or losing a job—you may qualify for a Special Enrollment Period, allowing you to apply at any time during the year.
Not sure which plan is right for you or whether you qualify for financial assistance?
Care Plan Financial will guide you through the entire process—from plan comparison to enrollment—with care and clarity.
13. How do I start a consultation with Care Plan Financial?
Call us at (201) 221-6366 or email us at CarePlanFinancial@gmail.com to schedule a free consultation.
Contact
If you have any questions, please contact us.
Address
2160 N Central Road, Suite 204, Fort Lee, NJ 07024
Call Us
+1 (201) 221-6366
Email Us
CarePlanFinancial@gmail.com