Waterlily ain't your parents' LTC plan (but it should be)

Long-term care is the single largest unfunded liability most families face, yet it rarely comes up in financial planning meetings. For fee-only advisors, the challenge isn't a lack of awareness but a lack of tools. You can't show clients insurance options because you're not licensed. When a client already has a policy or brings you a quote from an agent, you don't have a structured way to analyze it in a fiduciary context. The planning itself feels time-consuming and unstructured, and it's hard to make the conversation feel valuable and differentiated enough to engage clients.

In this session, Lily Vittayarukskul, Co-Founder and CEO of Waterlily, Forbes 30 Under 30 honoree, and winner of the 2025 XYPN AdviceTech Competition (Best in Show and Adviser's Choice), will be joined by XYPN member Chris Chen, CFP®, RLP, who will share how he’s incorporating Waterlily into his firm and the impact it’s had on his client experience and planning process.

Drawing on Lily's personal experience navigating a family long-term care crisis and the AI-powered platform she built to help advisors address this at scale, alongside real-world insights from Chris, you'll learn:

• How Waterlily lets fee-only advisors evaluate and compare insurance options in a fiduciary context, including traditional, hybrid, and annuity-based LTC products alongside self-funding strategies, without needing an insurance license
• How to analyze a client's existing policy or an agent's quote so you can provide informed, fiduciary guidance on coverage they already have or are considering
• How to turn LTC planning from an unstructured, time-consuming process into a streamlined, repeatable workflow that integrates with tools like Wealthbox and fits naturally into the XYPN tech stack
• How personalized, AI-driven projections create a wow-factor experience that makes the conversation concrete, actionable, and genuinely differentiated for your clients
• How to involve clients' aging parents, in-laws, and adult children in the planning process, building new multigenerational relationships that grow your client base
• How advisors like Chris are using this approach to drive referrals by delivering a planning experience clients actually want to talk about

Attendees will leave with a practical framework they can use in their next client meeting, no insurance license required, plus a firsthand perspective from an advisor actively using Waterlily in practice.