I’m planning ahead
Maybe you’ve seen it with someone else. Maybe you’re noticing some warning signs, so now you want to be prepared.
Let’s get ahead of it while we can.
Take the readiness assessment below. It’ll show you where you stand.
Check out the book and workbook, so you can learn the essentials and start building your plan.
I need help now
It may feel like crisis mode. You’re dealing with the stroke, the fall, the diagnosis. You may feel alone and overwhelmed. That’s what we’re here for. It’s going to be hard, but if we wait, it gets worse. Let’s prevent the disaster.
Our job: prioritize, simplify, get you moving. One step forward, one day at a time, and plan for the long-term.
Schedule a meeting with us.
Do I Need Professional Assistance?
Prefer to handle things yourself? Not sure if you need professional help?
Some challenges are manageable on your own. Others involve complex financial decisions, legal concerns, or risks you may not recognize until it's too late.
Our free 10-minute Financial Care Assessment helps you identify potential gaps, understand your priorities, and determine when professional guidance may be needed.
No obligation. No pressure. Just clarity.
What we do
Pay for Care. Protect Your Family. Preserve Your Legacy.
Fund Care Wisely
We evaluate retirement accounts, investments, insurance benefits, cash reserves, and real estate to develop a sustainable strategy for paying for care while considering taxes and liquidity.
Protect the Surviving Spouse
We examine how care expenses could affect the spouse who remains at home, including retirement income, future care needs, and long-term financial security.
Preserve What Matters Most
We help families evaluate the tradeoffs between paying for care today and preserving assets for children, grandchildren, charitable causes, and future generations.
You Shouldn't Have to Figure This Out Alone.
We take the lead on the financial and care management side.
When money, medical, legal, and insurance decisions collide, you need a guide. Not only do we provide advice on the financial piece, we coordinate with your other professionals:
Insurance Agents
Financial Advisors
Care Managers
Discharge and housing
Hospice
Attorneys
It takes a village, or in this case, a team of experts.
You don't need to become an expert in everything. You need a clear plan, the right people working together, and someone helping you navigate the financial decisions along the way.
You Don't Need to Solve Everything Today.
When a family faces a care crisis, everything can feel urgent. But not every decision needs to be made at once.
One step at a time. One coordinated plan. Guidance along the way.
4 Ways We Can Help
Whether you’re in crisis now or planning ahead, we offer resources and guidance to move your forward.
Clarity Before Crisis
Knowledge is power, and I want you to be empowered. Driven by the stories of real families and filled with key concepts ranging from retirement prep | Medicare | Medicaid | LTC | grief | end of life planning, this book gives you the key foundation to prepare technically and emotionally.
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The Aging Parents Planning System
The workbook associated with Clarity Before Crisis, this is the same system used for our planning clients. Communicate to your family the information that matters about roles, money, authority, access, care plans, and more. Organize everything your family will need and have the conversations that make a difference.
Crisis Planning Consult
You need help and you need it now. Get personalized advice from a Certified Financial Planner®.
90-minute Zoom call meeting
Detailed written recap of your situation
Prioritized action items and next steps
$500
You pay, we meet, you get a plan. That's it. No other costs or obligations.
From consultation call to written plan in one week.
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We review your financials, legal documents, insurance policies, and your wishes for care, legacy, and final arrangements. You'll know exactly where you stand — and where the gaps are.
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A detailed, written recap of your situation with clear priorities and next steps. No more guessing what you would have wanted. No more decisions made under pressure without a roadmap.
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We try to get everyone on the same page. Define roles. Build a support system around the people carrying the most weight. When conflict arises, we help manage it before it breaks relationships.
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Ongoing financial guidance tailored to your situation : flat-fee planning, investment management, insurance, or professional referrals.
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We help identify the financial questions surrounding Medicare, Medicaid, long-term care, and paid care, and coordinate with the appropriate care and legal professionals when specialized guidance is needed.
Personal Financial Care Officer
The $500 consult gives you clarity on what to do; having a Financial Care Office by your side helps you get it done.
Greater clarity, control, and communication in 90 days. Concierge support along the way.
*Cost based on complexity.
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Not sure where to start? That’s ok. Let’s talk for 15 minutes, and I can point you in the right direction.
What People Are Saying
"Ben took topics that can be difficult to talk about and made them approachable and meaningful. Our employees walked away with practical things they could think about and discuss with their own families."
— Corporate Client · Estate Planning Education Series
"I recommend Ben's service and what he has to offer. Get the book he wrote and then call him to help you."
— Church Pastor · Financial and Family Stewardship Presentation
Benjamin speaks regularly to companies, churches, and community groups on aging, caregiving, and family financial planning. Check out our EVENTS page.
Who you will be working with
My approach to Financial Care Planning and Management is grounded in years of experience as a CERTIFIED FINANCIAL PLANNER® professional, the discipline of military service, and firsthand experience helping families navigate complex financial decisions. I've seen the limitations of traditional financial planning, particularly when aging, illness, and caregiving enter the picture. Retirement projections, estate documents, and insurance policies are important, but they don't necessarily prepare families for the decisions, financial pressures, and responsibilities that accompany a care crisis.
I've also witnessed the disconnect between professionals working in silos. Financial advisors, attorneys, healthcare providers, and care professionals each bring valuable expertise, but too often families are left to coordinate everything themselves. As America's aging population places increasing demands on families, these gaps are becoming more consequential. I'm not an academic studying these challenges or a journalist reporting on them. I'm a practitioner who has seen where plans fall short, where communication breaks down, and where better preparation and coordination can make a tangible difference.
That experience inspired Clarity Before Crisis and my approach to Financial Care Planning and Management. Drawing on the comprehensive standards of financial planning and the military principles of preparation, discipline, and execution, I work to bridge those gaps, bring clarity to complex decisions, and help families develop practical, coordinated plans.
My goal isn't simply to help families prepare for the future. It's to help make sure their plans work when life doesn't go according to plan.
Benjamin Bolen, CERTIFIED FINANCIAL PLANNER®
Wealth Advisor
Author