Elderly Care Planning
Plan for aging, long-term care, and Medicare—before a crisis forces the decisions.
The plan you hope you don’t need.
The most expensive financial event in retirement is rarely a market crash. It’s a long-term care episode—home care, assisted living, or skilled nursing—that wasn’t planned for and now consumes assets that were meant for a spouse, kids, or legacy.
What we plan around
- Long-term care funding. Traditional LTC insurance, hybrid life/LTC policies, or self-insuring—each has tradeoffs we’ll work through.
- Medicare vs. Medicaid. What Medicare actually covers (less than most people think), and where the gaps are.
- Asset protection. Strategies that can protect assets for a spouse without disqualifying the other from Medicaid.
- Power of attorney and surrogate decisions. Who has authority to act, and when it kicks in.
- The aging-in-place conversation. Most people want to stay home. We plan for what makes that financially possible.
Decisions made calmly years ahead are dramatically better than decisions made in a hospital hallway.
Let's see if we're a good fit.
A 30-minute introductory call—no pressure, no obligation. We'll talk through your goals and whether working together makes sense.