Elder Care Financial Planning

This is emotional, time-sensitive, and easy to get wrong. You do not need more information. You need a calm path forward.

Josh Dunlop, CFP®, CDFA® | 15 years in finance | Fee-only advice | No commissions, no product sales

Most people are trying to figure out:

What documents actually matter and what is missing

How to organize accounts, access, and responsibilities before a crisis

How to pay for care without breaking the plan for everyone else

How to prevent financial exploitation and scams

How to make decisions with siblings without blowups

Support designed for real people in high-stakes transitions, delivered with calm, fee-only clarity

Quick Start

In 30 minutes, you will leave with:

A priority list of what matters most right now
The next 3 decisions to make and what can wait
A recommendation for the right path: DIY checklist, attorney lane, care manager lane, or a guided Playbook plan

Do you sell products? No.

Is this therapy? No but the empowerment can be therapeutic.

Will you work with my attorney or care team? Yes

30 minutes | Zoom or phone | No prep required

Pick the sentence that sounds like your life right now:

I am the adult child and I am overwhelmed.

You are coordinating decisions, finances, and emotions. You want a clear plan that reduces risk and removes guessing.

What you get →

I have an estate plan, but I still do not feel at peace.

You have watched other families fall apart anyway. You want dignity, clarity, and less burden on the people you love.

How I help →

Something changed and we need to act fast.

A fall, diagnosis, hospital stay, or memory shift changes everything. You need calm next steps, not panic decisions.

How it works →

I do not want my kids guessing or fighting.

You want roles, access, documents, and preferences to be clear before anything becomes urgent.

The decision zones →

The 5 decision zones that create chaos if you wait or guess

These are not paperwork problems. They are coordination problems.

Decision Rights + Documents

Who can act, when, and where the documents live. Wills, POAs, healthcare proxies, advance directives.

Account Access + Single Source of Truth

If someone got sick tomorrow, could the right person access what they need without scrambling? Organize papers in one place and make sure a trusted person knows where to find them.

Paying for Care Without Breaking Everything Else

Housing choices, care levels, benefits, and cash flow stack fast. Plan so you do not overpay by accident.

Fraud and Exploitation Risk Controls

Isolation, change, and cognitive decline increase risk. Put simple safeguards in place, including monitoring and trusted contact planning.

Family Alignment

Roles, responsibilities, and decision clarity so the situation does not tear the family apart.

You do not need more advice. You need a decision path.

The Senior Care Playbook creates clarity, reduces risk, and makes the next steps obvious, whether you are planning for yourself or helping a parent. We organize the financial reality, coordinate the right professionals, and turn stress into a plan you can execute.

Build a clear family map: people, roles, access, documents, key contacts

Create a single source of truth for accounts, insurance, and important papers

Clarify the care-cost picture and the financial tradeoffs

Add practical safeguards to reduce exploitation risk: monitoring, access hygiene, trusted contact planning

Coordinate with your attorney and care providers so nothing falls through the cracks

Reduce family conflict by clarifying responsibilities and decisions

We do not provide legal advice. We work alongside your attorney and care providers.

What you walk away with

No commissions. No kickbacks. No product sales

Transparent, fee-only guidance

Calm, structured support through high-stakes transitions

Services & Pricing

Option A: Simple Structure

$2,500 per year per family

per year per family

Comprehensive planning and ongoing support to navigate care decisions, documents, access, and family coordination.

We will confirm fit and scope on the free consult before anything paid.

Option B: Persona-Based

$1,000 + $1,000 per adult child

for Q1, halved for subsequent quarters (effective $2,500 per person per full year)

Comprehensive planning and ongoing support to navigate care decisions, documents, access, and family coordination.

We will confirm fit and scope on the free consult before anything paid.

How it works (simple, calm, effective)

Book a Free Consultation

30 minutes. You will leave with clarity, priorities, and the right next step.

Build the Playbook

We gather what matters, identify gaps, and map the plan.

Coordinate and Implement

We loop in the right professionals and help you execute.

Update as life changes

We revise the plan as needs, health, and family dynamics change.

FAQ (Senior Care and End-of-Life Planning)

Not sure how it works? Here are the most common questions people ask before getting started.

Is this the same thing as estate planning?

No. Estate planning is the legal document layer. The Playbook is the execution layer: access, organization, roles, safeguards, and coordination with your attorney.

What happens in the free consultation?

In 30 minutes, you will leave with priorities, the next decisions, and the right path forward.

Do you sell insurance or investment products?

No. Fee-only. No commissions, no kickbacks, no product sales.

Can you work with my attorney or care provider?

Yes. Coordination is part of the value.

Is this for adult children or older adults?

Both. We built it for caregivers and for people planning for themselves.

How do you help protect against scams and exploitation?

We set practical safeguards like monitoring and trusted contact planning.

What if my parent refuses to talk about money?

We start with what is possible and focus on protective steps and clarity first.

Do I need to be in a crisis to start?

No. Starting earlier usually means more options and less stress.

Make the next decision calmly before it becomes urgent.

You will leave the consult with clarity, priorities, and a path forward.