Plan with confidence. Our elder-focused financial advisors help you protect your savings, create reliable retirement income, and prepare for long-term care—so you can enjoy life with peace of mind.
Why Work with an Elder-Focused Financial Advisor?
Specialized expertise: Advisors trained in senior finances understand Social Security timing, Medicare costs, long-term care, required minimum distributions, and tax-efficient withdrawals.
Protection-first approach: We prioritize safety, income stability, and healthcare planning over high-risk growth.
Coordinated care: Your advisor works hand-in-hand with estate planning and elder law attorneys to cover wills, trusts, powers of attorney, advance directives, and Medicaid planning if needed.
What We Coordinate for You
Retirement income planning: Social Security optimization, pension choices, annuity review, and safe withdrawal strategies.
Long-term care planning: Funding strategies for home care, assisted living, and nursing care; evaluating long-term care insurance; Medicaid eligibility planning with elder law support.
Estate and incapacity planning: Wills and trusts, powers of attorney, healthcare directives, beneficiary reviews, and protecting a spouse at home if one partner needs care.
Housing and home equity: Evaluating downsizing, aging-in-place modifications, and when a reverse mortgage might be appropriate.
Risk management: Medicare, Medigap, Part D, and coverage gaps; assessing life and hybrid long-term care policies.
Tax-aware strategy: Coordinating withdrawals from IRAs, Roth accounts, and taxable accounts to reduce taxes and extend savings.
How It Works (Simple 3 Steps)
Free Phone Assessment & Plan
A quick 10-minute call to understand your needs and create a clear, personalized plan.
Provider Match
We connect you with vetted local providers who are the best fit for your care and lifestyle.
Ongoing Support
Enjoy peace of mind with continuous support and regular check-ins—so you are never on your own.
Your Care Team May Include
Elder-focused financial advisor (lead planner)
Elder law/estate planning attorney
Geriatric care manager
Long-term care insurance specialist
Reverse mortgage specialist (when appropriate)
Home health and hospice providers
Pre-need funeral planning professional
What You Can Expect in Your Plan
A simple timeline for the next 12–24 months
A written income plan showing where paychecks come from
A long-term care funding strategy (with or without insurance)
A document checklist (POA, living will, HIPAA releases, beneficiary forms)
A tax-aware withdrawal plan to meet required minimum distributions
Clear fee transparency and no-pressure recommendations
Frequently Asked Questions
How is an elder financial advisor different from a general financial planner?
Elder-focused advisors specialize in retirement income, long-term care, Medicare, Medicaid planning coordination, and estate documents—areas that matter most later in life.
Do I need long-term care insurance?
Not always. We compare options: self-funding, traditional LTC insurance, hybrid life/LTC policies, or Medicaid planning with an elder law attorney. The right choice depends on your health, budget, and goals.
Are reverse mortgages safe?
They can be appropriate for some homeowners to fund care or aging-in-place upgrades. We provide education and coordinate with vetted specialists so you understand costs, safeguards, and alternatives.
How do fees work?
You’ll receive a clear, written fee summary before you decide—no surprises. Some services are flat-fee planning; others may be asset-based or hourly.
Can you work with my existing attorney or advisor?
Yes. We often collaborate with your existing professionals to keep your plan coordinated and up to date.
