Are You Really Ready to Retire?

❌ They Don't Know Their Real Healthcare Costs

Medicare isn't free. Between Part B premiums ($175/month), Part D prescriptions ($30-100/month), Medigap or Medicare Advantage ($100-300/month), and out-of-pocket costs, the average retiree spends $5,000-$7,000 annually on healthcare. And that's BEFORE long-term care, which Medicare doesn't cover.

❌ They Haven't Planned for Long-Term Care

70% of people over 65 will need long-term care. In Colorado, nursing homes cost $8,000-$10,000/month. Assisted living runs $4,000-$7,000/month. Memory care for dementia? $6,000-$10,000/month. Over 7-10 years, that's $500,000-$1,000,000. Most families have NO plan for this.

❌ They Don't Understand Medicaid's 5-Year Look-Back

Want Medicaid to pay for your nursing home? They'll look back 5 years at every financial transaction. Gave money to your kids? Sold your house below market value? You'll face penalties. The time to plan is NOW, not when you need care. Most people learn this too late.

❌ They Don't Have the Right Legal Documents

No Power of Attorney? Your family faces expensive guardianship proceedings ($5,000-$15,000). No Medical Directive? Your loved ones make impossible end-of-life decisions without guidance. Outdated will from another state? Colorado laws may invalidate it. These documents cost $500-$2,000 to create but save families $tens of thousands in court costs and heartache.

❌ They Haven't Had "The Conversation" with Family

Your adult children don't know where your important documents are. They don't know your wishes for long-term care. They don't know your financial situation or who to call in an emergency. When crisis hits, they're scrambling—making decisions in panic instead of following your plan. The time to talk is NOW, while everyone's healthy and thinking clearly.

✅ Comprehensive Retirement Readiness Assessment

We don't just ask if you have "enough money." We dig deep into your complete financial picture, healthcare coverage, legal documents, family support system, and long-term care plans. Our assessment covers 50+ critical areas most financial advisors miss.

• Complete financial inventory (assets, income sources, expenses)
• Medicare Part A, B, C, D analysis and optimization
• Medicaid eligibility and planning strategies
• Social Security claiming strategy review
• Long-term care cost projections and funding options
• Legal document audit (POA, will, healthcare directive)
• Family communication and role assignment

✅ Medicare & Medicaid Navigation

Medicare has 4 parts (A, B, C, D), multiple enrollment periods, and penalty rules. Medicaid has asset limits, look-back periods, and complex eligibility rules. Making the wrong choice can cost you thousands. We help you:

• Choose between Original Medicare + Medigap vs. Medicare Advantage
• Select the right Part D prescription drug plan
• Understand and avoid late enrollment penalties
• Plan for Medicaid eligibility (if needed for long-term care)
• Navigate the 5-year look-back period requirements
• Protect assets while qualifying for Medicaid

✅ Legal Document Guidance

I'm not a lawyer, but after 15 years working with families in crisis, I know exactly which legal documents you need and why. I'll review what you have, identify gaps, and connect you with trusted elder law attorneys when needed.

• Financial Power of Attorney (to manage money if you're incapacitated)
• Healthcare Power of Attorney / Medical Directive
• Living Will / Advance Directive (end-of-life wishes)
• Will or Trust (estate planning)
• HIPAA Authorization (medical information access)
• DNR/MOST forms (if appropriate)

✅ Long-Term Care Planning

70% of people over 65 need long-term care. Medicare doesn't cover it. Long-term care insurance is expensive and has strict requirements. We help you create a realistic plan:

• Calculate realistic long-term care costs in Colorado
• Evaluate long-term care insurance (if still obtainable)
• Explore self-funding strategies
• Plan for "aging in place" vs. facility care
• Identify home modifications and support services
• Create backup plans if primary plan fails

✅ Family Communication & Role Assignment

The hardest part of retirement planning isn't the financial math—it's having difficult conversations with family. I facilitate these discussions and help families create clear action plans:

• Who will be Power of Attorney?
• Where are important documents located?
• What are your wishes for long-term care?
• Who manages finances if you become incapacitated?
• What's the emergency contact plan?
• How to handle disagreements between family members

✅ Perfect If You're:

• Age 55-75 (Baby Boomer generation)
• Within 5 years of retirement or recently retired
• Concerned about healthcare costs in retirement
• Worried about long-term care expenses
• Unsure about Medicare vs. Medicare Advantage
• Don't have updated legal documents
• Haven't talked to family about your plans
• Want to protect assets from nursing home costs
• Aging alone without nearby family support
• Managing retirement plans for aging parents

❌ Not Right If You:

• Need investment advice (I'm not a financial advisor)
• Want legal services (I'm not a lawyer)
• Need tax preparation (I'm not a CPA)
• Are looking for one-time paperwork filing
• Already have comprehensive planning done
• Aren't ready to have honest conversations

What I Do: I help you understand the retirement landscape, identify gaps in your planning, connect you with the right professionals, and coordinate your care team. Think of me as your retirement planning quarterback—not replacing your financial advisor or attorney, but making sure everyone works together toward YOUR goals.

How much does retirement planning cost?

The $99 Retirement Readiness Report is perfect for most people. If you need ongoing support, comprehensive elder care planning runs $350, guardianship services are $800-$1,500, and crisis navigation is $300. All prices include consultation, written reports, and follow-up support. No hidden fees.

Do you replace my financial advisor or attorney?

No. I work alongside your existing professionals. Think of me as the coordinator who makes sure everyone is working toward the same goals. I'll identify what services you need, connect you with trusted Colorado professionals, and help you understand their recommendations.

When should I start retirement planning?

Yesterday. But seriously—5 years before retirement is ideal because of Medicaid's 5-year look-back period. If you're already retired, start NOW. The second-best time to plant a tree is today.

What if I can't afford long-term care insurance?

Most people can't—and that's okay. We'll create a realistic plan using a combination of strategies: Medicaid planning, home equity conversion, family support systems, community resources, and strategic asset protection. There's always a plan, even without insurance.

Do you serve all of Colorado?

Yes! I work with families throughout Colorado via phone, video calls, and in-person meetings (Denver metro area). My experience spans urban, suburban, and rural communities across the state.