Welcome!
We help families answer one of the hardest questions that comes with aging and caregiving:
When care changes, the financial plan has to change with it, so this site was created to help families prepare for the financial, care, legal and family decisions that often come with
aging
illness
caregiving
loss
by creating a plan that your family can carry out, even under difficult circumstances.
Does any of this sound familiar?
No one knows who leads. People may be named on paper, but they aren't prepared for the role.
Nothing feels coordinated. Financial, legal, caregiving, and family decisions are happening separately.
Decisions are being made under pressure. A fall, diagnosis, hospitalization, or decline suddenly forces action.
Responsibilities are unclear. Spouses, siblings, and adult children can become overwhelmed or divided.
Money starts moving without a plan. Savings, taxes, care costs, and inheritance decisions collide.
Let’s start where you are
Planning Ahead
Getting organized before life forces your hand.
Something's Changing
You can feel it coming. Let's get ahead of it.
In the Middle of It
Decisions can't wait. We're here.
After the Dust Settles
Time to recover, reorganize, and move forward.
10 minutes to greater clarity
You have a lot on your plate, so it's time to assess your situation and see what should come first.
How urgent is this?
Is your situation more complex than you may think?
Assess your readiness across six key planning areas.
“The hard conversations are worth having early.”
Less Time | Fewer options | More Costs | More Stress
2-year waiting lists on nursing home and memory care
1 in 3 families face significant conflict
Confusion over care wants
Planning costs increase
Physical and mental health impacts to the caregiver
Savings can be depleted
Potential debt to the estate
Tax consequences if the wrong account is used to pay for care
Probate delays and costs
The cost of doing nothing
Waiting isn't neutral. It's a decision — and it has a price.
Many of these problems can be prevented, eased, or minimized
Where we come in
Most families don't need more isolated advice. They need someone to connect the financial, legal, caregiving, and family decisions that have to work together.
Three things must work together.
1: Financial
Care costs, cash flow, insurance, taxes, assets.
Our Specialty
2: Professional
Advisor, attorney, tax, insurance, care — coordinated.
“Good planning takes a team — and someone has to connect them.”
Our Network
3: Family + Care
Spouse, children, caregivers — prepared and supported.
Your People
4 ways we can help
From DIY to tailored concierge services, 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.
1
2
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.
Financial Care Planning Consult
You need help and you need it now. Get personalized advice from a Certified Financial Planner®.
90-minute video or in-person session
Detailed written recap of your situation
Prioritized action items and next steps
$1,000
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.
3
-
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.
-
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.
-
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.
-
Ongoing financial guidance tailored to your situation : flat-fee planning, investment management, insurance, or professional referrals.
-
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.
Financial Care Planning Engagement
The $1,000 consult gives you clarity on what to do; the Financial Care Planning Engagement helps you get it done.
Greater clarity, control, and communication in 90 days. Starting at $3,500+.
4
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.
Who you will be working with
A lifetime of experience led me to this. From losing my father as a young boy, to years of military service, to seeing situations in my own family and clients, this is personal.
I came into financial planning to serve and make a tangible impact on people, but have seen the shortcomings of financial advice. The paperwork matters, but preparation is bigger than documents.
I was tired of hearing about situations where I could have helped. I have seen how quickly life can change and how much pressure that can place on a family. I have also seen that some of the hardest parts can be eased, and some challenges can be prevented. It is making sure the right people know what to do, the important conversations have happened, and the plan can actually work when life changes.
I also believe this kind of planning should be accessible. Families with significant wealth can benefit from it, but it’s not only for the wealthy. The goal is to provide practical resources, education, and guidance that meet people where they are.
Benjamin Bolen, CERTIFIED FINANCIAL PLANNER®
Wealth Advisor
Author
Creator of Financial Care Planning