Home Healthcare Planning
Plan how care gets paid for when you'd rather stay home.
Almost every retired family we talk to says the same thing. They want to stay home. Most don't have a written plan for what that costs, who provides the care, and which dollars pay for it.
We help families build that plan. The hours of help that get a spouse through the day, the home modifications that keep stairs from becoming a problem, the policy benefits that pay for care, and the family conversations that have to happen before they have to happen.
Everything that
actually moves the plan.
Built around your life
Almost every retired family we talk to says the same thing. They want to stay home. Most don't have a written plan for what that costs, who provides the care, and which dollars pay for it.
Our approach
We start by projecting realistic in-home care costs across light help, full-time home care, and skilled nursing at home. Then we map where the money comes from, dedicated insurance benefits, annuity income, investment withdrawals, and the role of family.
The details that matter
We also look at the home itself. Stair lifts, walk-in showers, single-floor living arrangements, and the timing of any renovation against the retirement income plan. The math is different when modifications happen at 65 versus at 80.
Why us
We've sat with families on the hard side of this. We know which plans hold up when a spouse can't drive anymore, when the stairs become a problem, when one of you needs help and the other still wants to live in the same house.
A firm built for this.
We've sat with families on the hard side of this. We know which plans hold up when a spouse can't drive anymore, when the stairs become a problem, when one of you needs help and the other still wants to live in the same house.
We work with the rest of your team. Your estate attorney, your doctor, your kids. Care planning is a family decision and we treat it like one.
Honest answers.
How much does in-home care cost in the Northern Suburbs?
Plan on roughly $25 to $35 per hour for non-skilled in-home care in the North Shore market, more for skilled nursing. Twenty hours a week of help is around $30,000 a year. Full-time care can run $150,000 to $250,000 a year. We use real local rates when we build your plan.
Can I afford to stay home if I need significant care?
Often yes, with planning. The families who succeed at staying home usually have a mix, some long-term care insurance or annuity riders that cover care, income from Social Security and pensions, withdrawals from investments, and modifications to the home that reduce the level of care needed. We model what your specific mix can support.
What home modifications are worth doing?
The high-value modifications are usually first-floor primary bedrooms, walk-in showers with grab bars, lever-handle doors, wider doorways, and good lighting on stairs and outdoors. We help families plan and pay for these as a normal part of the retirement budget, not an emergency expense later.
Home Healthcare Planning in your
community.
Let’s build the plan.
One free conversation. We’ll look at where you are and show you what a real plan looks like.