Elder Care Planning
Planning for aging parents or your own long-term care needs requires a clear strategy. I help families navigate the financial complexity of elder care before a crisis forces the decision.
Disclosure
This page is general educational information, not legal, tax, or investment advice. Medicare and Medicaid rules, and the laws on trusts and long-term care, differ by state and change over time. Confirm what applies to you with the program or a licensed attorney.
What I help with
Long-term care insurance
Policies differ in what they cover, how benefits are paid and what they cost. I help you read the terms and compare them with your other options.
Medicare & Medicaid coordination
Medicare generally does not pay for long-term custodial care. Medicaid may, if you qualify, and its rules differ by state. I help you understand how the programs fit together and what to ask.
Care cost projections
We estimate what different kinds of care could cost where you live, and how long your savings and income could cover them.
Asset protection strategies
Some families look at ways to protect assets from the cost of care. These strategies have legal and tax consequences, so I work with your attorney before anything is done.
Family caregiver financial planning
If you are caring for a parent, your own income, savings and retirement are affected too. We plan for both.
Start before a crisis
Decisions about care are harder to make well in a hospital hallway. Starting early gives your family time to compare options, gather documents and talk with each other.
See also estate planning and special needs trust planning.
Why I do this
I built my own family's plan first — for my parents, a brother with a disability, and a father with Alzheimer's — and I translate the complicated parts into plain language and a clear next step.
Common questions
Does Medicare pay for long-term care?
Medicare generally does not pay for long-term custodial care, such as help with bathing, dressing or eating over a long period. It covers some short stays after a hospital visit. Medicaid may help if you qualify, and its rules differ by state.
What does long-term care insurance do?
It is a policy that helps pay for care you may need later. Policies differ in what they cover, how long they pay and what they cost, so I help you read the terms before you decide.
When should we start planning?
Earlier than feels necessary. Starting before a health event gives your family time to compare options and gather documents without the pressure of a crisis.
I am caring for a parent. Can you help me plan?
Yes. Caregiving affects your own income, savings and retirement as well as your parent’s costs. We look at both.
Do you give legal advice about Medicaid?
No. I explain how the financial pieces fit together. Questions about Medicaid eligibility and legal strategies go to the program or to a licensed attorney.
Does it cost anything to talk?
The first conversation is free, no-pressure, and no-obligation. Tell me where you are and where you want to go — I'll tell you honestly whether and how I can help.
Talk with me
The first conversation is free, no-pressure, and no-obligation. Tell me where you are and where you want to go — I'll tell you honestly whether and how I can help.
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