Our Process

Assess Care Requirements
Unlike general financial planners, our process begins by gaining a thorough understanding of your care needs. An on-staff registered nurse and a clinical social worker are available for every case. Through discussions with the family, the doctor and the hospital, we can help you determine whether home care, board & care, assisted living, or a skilled nursing facility is the most appropriate choice. Just as important, we will provide insights on how these care needs will likely change over time.

Create Financial Plan For Care
We help families assess what financial resources are available to them and how much they can safely afford to pay for care. This guidance can be of great comfort and relieve a lot of the stress families will face. Together we’ll compare the different options and see which one makes the most financial sense. For example; we will compare Home Care Vs. Assisted Living, when to apply for Medi-Cal or Veterans Benefits, if you should rent or sell your house, when to use a home-equity-loan Vs. a reverse mortgage and many other useful tactics.

Assist with Medi-Cal applications
We help you get it done in a timely fashion and get it done right. For many, these forms can be confusing and time consuming. Worse yet, it’s possible to mess up or delay your eligibility if they’re not done properly. We’ve been through the process many times and know how to avoid the many pitfalls to obtaining the benefits you are entitled to.

Evaluate whether VA benefits are an option
We can provide a preliminary assessment of eligibility for Veteran’s Benefits and assess whether they are a good fit in your long term care plan. We will also provide you with directions on where to go to get free and qualified assistance with the applications.

Guidance in Selecting a Care Provider
Selecting the right care facility or home care agency is not an easy task as there are so many options. Our placement specialists know where to find the best providers, what they specialize in, what they charge, and their availability. Using our placement specialists greatly increases your odds of success as they will find a facility that matches your care needs and budget. Our agents are even available to go with you to tour the facilities they recommend.

Review Health Insurance Coverage
Now that your care needs have changed, your health insurance coverage may be inadequate. We will help you compare the different Medicare insurance options to see if your current coverage is the most cost efficient and will cover the specialists and medications you now need.

“24/7 On going support”
We are here to coach you through out the year. Having a plan is a great way to start but things can change,…so we’re here on standby 7 days a week to help you adjust the plan accordingly . Whether it’s a change to the finances, insurance or caregiving requirements we can help you react and implement quickly.