Welcome!
We help families answer one of the hardest questions that comes with aging and caregiving:
“We need care. How do we make this work financially?”
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.
We call it Financial Care Planning. It helps you:
organize the financial decisions
avoid costly mistakes
coordinate with the legal and health-care professionals around you
communicate it to your family
Let’s start where you are
Planning Ahead
Getting organized before life forces your hand.
In the Middle of It
Decisions can't wait. We're here.
Something's Changing
You can feel it coming. Let's get ahead of it.
“The hard conversations are worth having early.”
After the Dust Settles
Time to recover, reorganize, and move forward.
When everything exists, but nothing works together
Families often come to us when:
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.
Avoid the “oops” decisions
Waiting isn't neutral. It's a decision — and it has a price.
Without clarity and coordination, families can lose control of care decisions, drain savings faster than expected, create conflict between siblings, and overwhelm the very people trying to help.
2 Years
Average wait for memory care and nursing home placement
What happens to the money?
The wrong account gets liquidated first
Tax consequences no one planned for
Insurance that could have covered care — never activated
An estate depleted faster than anyone expected
1 in 3
Families report significant conflict over care and estate decisions
What happens to the family?
Siblings disagree on care decisions
One child carries everything — and resents it
A spouse is left financially unprepared
Relationships that don't recover
Most of this is preventable. None of it is inevitable.
Let’s Get Organized
We sit at the intersection of financial planning, estate coordination, and family care. Not to replace your advisor or attorney — but to connect them, fill the gaps, and make sure the plan actually works for the people who have to carry it out.
Before
Scattered information
A list of people to call
Unclear responsibilities
Confusing documents
Financial mess
After
Everything organized in one place
A coordinated plan and people
Clear roles and responsibilities
Understood resources
Family alignment
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.
Financial Care Planning brings those pieces into one coordinated plan — so everyone understands what needs to happen, who is responsible, and what comes next.
Three things must work together.
Financial
Care costs, cash flow, insurance, taxes, assets.
Our Specialty
Professional
Advisor, attorney, tax, insurance, care — coordinated.
“Good planning takes a team — and someone has to connect them.”
Our Network
Family + Care
Spouse, children, caregivers — prepared and supported.
Your People
Why the financial side matters
Care decisions are financial decisions.
Where will the money come from?
Which accounts should be used first?
What happens to the budget?
Will this increase the tax bill?
What happens to the spouse who remains at home?
Does our insurance cover this?
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.
3 ways to get started
1
Clarity Before Crisis
Driven by the stories of real families, the book walks you through what to think about, what to prepare, and how to have the conversations that matter most.
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.
Work through your situation 1:1 with 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
What happens after the consultation?
Optional Financial Care Planning Engagement
The $1,000 consultation 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.
Concierge financial and care coordination for families navigating aging, caregiving, and major life transitions.
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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.
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.
My Story
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, whether they need a book, a planning system, a conversation, or more hands-on support.
Benjamin Bolen, CERTIFIED FINANCIAL PLANNER®
Wealth Advisor
Author
Creator of Financial Care Planning