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New research finds unpaid caregivers are more likely to struggle with debt, lower savings and diminished retirement confidence than non-caregivers

Unpaid caregivers face steeper financial hurdles on path to retirement, EBRI finds New research finds unpaid caregivers are more likely to struggle with debt, lower savings and diminished retirement confidence than non-caregivers.

Your family shouldn't have to guess what you wanted. The healthiest retirement plan prepares for the unexpected.

As baby boomers turn 80, caregiving is the unexpected job more Americans face “It’s 24/7 and it never goes away”: Some 23 million people care for an older adult — and it’s depleting them physically, mentally and financially.

My promise is to help you retire confidently without letting long-term care derail your financial future.

The Six-Figure Retirement Expense Many People Never See Coming | The Motley Fool If you don't plan for it well, you could end up in a financial crunch.

Most retirement plans prepare for retirement. Few prepare for Aging. I help people retire with a plan for both their money and their care.

Long-Term Care Costs Threaten Boomer Wealth Transfer Long-term care expenses may drastically reduce the trillions baby boomers plan to pass on to their heirs

Supporting a soon-to be adult with lifelong needs requires a planning approach that goes beyond traditional financial planning. Families are not just preparing for a distant future—they are managing real challenges in real time, often without a roadmap.

At Whole Story Planning, we understand these challenges firsthand because our team lives the daily life as caregivers to our own children with special needs. This is why we created our practice, and why we believe creating a truly holistic financial plan is so important. To make the process more accessible, we host free webinars that walk families through key planning topics and life stage considerations.

Please share these resources with the families you serve, and feel free to join us yourself—these conversations are designed for anyone who wants to better understand and support long-term dependents .

How to Develop a Life Plan for Your Child with Disabilities

Monday, March 23, 2026 @ 1:00pm CST: https://us06web.zoom.us/webinar/register/WN_SQXfN85lTNiY9E_Qkbzgug

ABLE vs Special Needs Trusts: An In-Depth Discussion

Tuesday, March 24th 2026 @ 1:00pm CST: https://us06web.zoom.us/webinar/register/WN_K56He_eGR6O4bXcvaZdX2A

Welcome! You are invited to join a webinar: ABLE vs Special Needs Trusts: An In-Depth Discussion. After registering, you will receive a confirmation email about joining the webinar. As a fellow special needs parent, Kacy Seitz knows the importance of crafting a whole story plan that considers the complexity of each family's unique situation. In 2013, she created her wealth management practice Whole Story Planning, devoted to helping Special Needs families like hers. In this sho...

As the Holiday season continues and you spend time with your family, you may realize that Mom or Dad isn't getting around as well or is more forgetful. You may even recognize that this could be one of your parents' last Holiday seasons at home.

Join our weekly Thursday webinar at 6 pm CST to explore future care options for yourself or your parents, whether you're staying at home or considering a care facility. Not having a plan isn't a good plan.

Don’t Go Broke in a Nursing Home – Live Web Class | Sinclair, Erin Complimentary web class - limited seats available "Don't Go Broke in a Nursing Home" In This Exclusive Web Class, You'll Discover the Crucial Things That Seniors, and Children of Seniors, Need to Know About Long-Term Care Join Us live! Thursday, 7:00 PM (ET) / 4:00 PM (PT) All Attendees Will Have t...

Caregiving for an aging loved one brings overwhelming emotional stress and financial strain, even for families who thought they were prepared.

~Nearly 60% of caregivers report feeling “overwhelmed” or “at their breaking point.”
~Almost half of caregivers reduce work hours or leave their jobs to provide care.
~56% use their own savings to pay for professional home care or facility costs.
~More than half say caregiving has strained relationships with spouses, siblings, or children.

Crushing Strain: New Study Exposes How Caregiving Drains Families, Highlights Urgent Need for Long-Term Care Planning A new study sponsored by Otsuka Pharmaceuticals reveals the intense emotional and financial toll caregiving places on American families, making the case for Long-Term Care Insurance and proactive planning to protect loved ones and assets.

NO ONE WANTS TO GO TO A NURSING HOME!!

I always ask my clients, “Would you rather have your wife/daughter/son give you a sponge bath and dress you, or pick up the phone to make sure the home health aide is scheduled for the week?

The vast majority of LTC services — even in nursing homes — are “custodial care,” which is help with daily activities like bathing and dressing, or supervision because of a cognitive impairment. This type of care can be provided at home in many, if not most, cases. The downside, unfortunately, is that in the absence of a formal care plan, the vast majority of these services are provided by informal, unpaid caregivers — almost always family members. And while the financial impact is a concern, it’s not the biggest concern. Much more important are the physical and emotional consequences to their loved ones.

There are roughly 1.2 million people in nursing homes in the U.S., but more than 6 million receive care at home. Did you know that, as of May 2024, home health and personal care aides made up the largest single occupation in the U.S., with 4 million workers?

Be sure your estate planning or elder law attorney knows your wishes, and helps you with any legal maneuvering, such as advance directives, healthcare, and financial powers of attorney, etc. A change in health may leave you unable to do this.

Endnotes
1. 1 https://www.statista.com/statistics/1168843/number-residents-certified-nursing-facilities-state/
2 https://www.kff.org/medicaid/issue-brief/10-things-about-long-term-services-and-supports-ltss/
3. OEWS Chart
4. The Retirement Outlook of the American Middle Class | 24th Annual Transamerica Retirement Survey 2024
5. Advisor's Perspective 8.13.25

Planning for a child with special needs goes beyond traditional financial planning, which is built to remove emotion from the equation and focus solely on anticipating needs in the future. We know families also need help with the “today,” facing the challenge that is squarely in their path…right this moment.

As an Advanced Care Planner, I deeply understand the importance of crafting a whole story plan that considers the complexity of each family’s unique situation. We continue to offer our free, virtual workshops to guide parents, guardians, and family members in better understanding the planning their children may need during each stage of life.

How to Develop a Life Plan for a Long-Term Dependent:
August 26th
September 16th
October 20th

ABLE Accounts vs Special Needs Trusts: An In-Depth Discussion:
August 27th
September 17th
October 21st

If you have questions or would like to participate, please let me know so I can get you the link to register.