05/14/2026
Your retirement outlook probably covers income, investments, and Social Security.
But does it answer this question: if your health changes at 82, who coordinates your care, how is it paid for, and what burden does it place on the people you love? 👇
That's the conversation most families aren't having early enough.
A few numbers that put it in perspective:
✅ 70 percent of adults who reach 65 will need some form of long-term care.
✅ A semi-private nursing home room now costs a median of $114,975 per year, and that number is climbing fast.
✅ Projected out 20 years, nursing home care could approach $186,000 annually.
✅ Continuing care retirement communities (CCRCs) offer an alternative: move in while independent, with access to assisted living, memory care, and skilled nursing on one campus as needs change.
✅ A portion of CCRC entrance fees and monthly fees may have tax considerations since they can be classified as a medical expense. Most people don't know this.
The biggest mistake we see?
Waiting.
CCRCs require applicants to be healthy enough to live independently. Many have waitlists.
"I'll just stay in my house" feels like the safest option. But it's only safe if you've stress-tested what happens when care needs escalate.
Have you started this conversation with your family or your financial professional? 👇
