# Utah Retirement Income — llms.txt

> Utah Retirement Income is a licensed independent insurance and retirement-planning practice serving families across Utah — from Salt Lake City and Provo to St. George, Moab, and rural communities statewide. Advisor Brian Penner helps Utahns plan for long-term care, choose a Social Security claiming strategy, turn savings into lifetime income (including annuities), and protect their families with life insurance and legacy planning. Guidance is educational, not financial, tax, or legal advice. Not connected with any government agency. Long-term care cost figures are from the CareScout (Genworth) Cost of Care Survey 2024 (Utah); likelihood-of-care figures are from the U.S. Administration for Community Living (longtermcare.gov).

## Key pages
- [Home](https://utahretirementincome.com/)
- [Long-Term Care Planning](https://utahretirementincome.com/long-term-care-planning)
- [Long-Term Care Insurance](https://utahretirementincome.com/long-term-care-insurance)
- [Social Security Planning](https://utahretirementincome.com/social-security-planning)
- [Retirement Income & Annuities](https://utahretirementincome.com/retirement-income)
- [Life Insurance & Legacy](https://utahretirementincome.com/life-insurance)
- [Will I need long-term care?](https://utahretirementincome.com/will-i-need-long-term-care)
- [What does long-term care cost in Utah?](https://utahretirementincome.com/what-does-long-term-care-cost-in-utah)
- [Utah Cost of Care tool (2024 CareScout data)](https://utahretirementincome.com/tools/utah-cost-of-care)
- [Services](https://utahretirementincome.com/services)
- [Serving all of Utah](https://utahretirementincome.com/locations)
- [Blog index](https://utahretirementincome.com/blog)
- [Blog: The Real Cost of Long-Term Care in Utah (2024 data) — and how to plan for it](https://utahretirementincome.com/blog/cost-of-long-term-care-in-utah-2026)
- [About](https://utahretirementincome.com/about)
- [Contact](https://utahretirementincome.com/contact)

## Tools (agent-callable)
- [WebMCP manifest](https://utahretirementincome.com/.well-known/mcp.json): callable tools + endpoint.
- [MCP endpoint](https://utahretirementincome.com/mcp): JSON-RPC 2.0 (initialize, tools/list, tools/call).
- `utah_cost_of_care`: Utah long-term care costs (assisted living, home care, nursing home) from CareScout 2024.
- `long_term_care_likelihood`: federal statistics on how likely you are to need care and for how long (ACL).

## Data
- Utah cost of care: CareScout (Genworth) Cost of Care Survey 2024 — https://www.carescout.com/cost-of-care
- Likelihood and duration of care: U.S. Administration for Community Living — https://acl.gov/ltc/basic-needs/how-much-care-will-you-need
- For what Medicare and Medicaid do and don't cover, see https://www.medicare.gov and https://www.medicaid.gov
- Educational only; not financial, tax, or legal advice. Not affiliated with any government agency.