A consultant with the Retirement Income Planning Group of Lincolnshire, Illinois, William Robert “Bill” Cunningham helps women support themselves in retirement by setting up a permanent and growing income. Leveraging his personal experience with a long term care event and with the assistance of his son, Bill shows his clients how to handle the risks of rising healthcare costs and burdensome long-term care expenses. He takes a deliberative approach to retirement INCOME planning, first considering all possible sources of income and then devising an appropriate strategy to never run out of money in retirement. He uses the "INCOME CONDUCTOR" protocol

After a career in financial risk management, Mr. Cunningham found his niche after learning about a neighbor’s economic plight. Her husband was diagnosed with Alzheimer’s disease, and after 12 years of paying his long term care expenses, their assets were left completely drained. This motivated Mr. Cunningham to take out long-term care insurance, which became necessary when his wife was diagnosed with the disease.

Bill Cunningham also puts his knowledge of long-term care to good use by writing a Substack newsletter called The Shrinking Brain (substack,com). Here with his son David, they discuss ways to ease the emotional and financial stress from caring for a loved one with Alzheimer's Disease. They support various Alzheimer's-focused organization.

As a certified long-term care specialist, Mr. Cunningham is able to open up emotional and financial reduction avenues to those suffering from a long term care event. When he is not serving clients, he can be found checking out new long term care facilities and new home health care agencies.

William Robert Cunningham