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Senior Living Elder Care

Navigating Senior Living & Care Planning

Few financial decisions are as emotionally charged, or as consequential, as those that come with caring for an aging parent or planning for your own later years. We help provide support for families navigating elder care decisions with clarity, care, and a coordinated plan.

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$9B+AUM
6,100+Families
30Years
Fee-OnlyFiduciary

As of June 4, 2026

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How Capital Investment Advisors (“CIA”) Supports Families Through These Transitions

CIA works alongside Genwin, our sister company specializing in elder care consulting and care management, to help families navigate the decisions that come with aging. Genwin can provide hands-on support with evaluating senior living options, assessing care needs, and navigating important care decisions, while CIA helps families understand and plan for the financial impact. Gewwin’s service is often at no cost to the family.

Genwin is a separate company and is engaged separately from CIA. Its services are currently available only to Georgia residents. CIA clients are under no obligation to use Genwin and may choose any senior living or elder care provider.

Areas We Help Families Navigate

  • The financial impact of senior living options

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    Once care needs and preferences are identified with a senior living or elder care provider, our role is to help you understand the financial implications of each option and coordinate that decision with the rest of your financial plan.

  • Family decision-making support

    An adult daughter hugging her mother on a sofa at home

    These conversations can be hard. They often involve siblings with different views, parents who don’t want to lose independence, and decades of family dynamics. We help facilitate the financial side of those conversations, modeling costs, comparing options, and translating the financial picture into language the whole family can engage with.

  • Long-term care funding

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    Whether you’re funding care from a long-term care policy, personal assets, a hybrid policy, or some combination, we help model the cash flow and tax considerations across multiple years. This is one of the areas where coordination with the rest of your retirement plan can help make a meaningful difference.

Planning Ahead Makes a Difference

Conversations about care, living arrangements, and financial responsibilities are often easier when families have time to consider their options. We help you plan ahead so important decisions don’t have to be made for the first time during a difficult moment.

Questions We Help Families Consider

  • How do we know if a loved one needs assisted living?
  • Can my parents afford the care they need?
  • How do I plan for the cost of long-term care for myself?
  • How should we handle finances when a parent can no longer manage their own?
  • What happens if a long-term care need arises and there’s no plan in place?
  • How do we have these conversations as a family?

Senior Living & Elder Care FAQs

What are the main types of senior living options?
The main categories are independent living (for active seniors who don’t need daily assistance), assisted living (for those who need help with some activities of daily living), memory care (for those with cognitive decline), and skilled nursing (for those needing medical-level care). Many communities offer multiple levels on one campus, so residents can transition as needs change.
How much does senior living cost?
Costs vary widely by region, level of care, and community. Independent and assisted living can range from a few thousand dollars per month to well over $10,000, with memory care and skilled nursing often higher. Geography matters significantly. Modeling these costs in advance is an important part of a financial plan.
Does Medicare pay for long-term care?
Medicare provides only limited coverage for long-term care, primarily short-term skilled nursing or rehabilitation following a qualifying hospital stay. It typically does not cover ongoing custodial care or assisted living. Long-term care is generally funded through personal assets, long-term care insurance, hybrid policies, or, for those who qualify, Medicaid.
When should we start planning for elder care?
Earlier than most families do. Conversations about preferences, powers of attorney, healthcare directives, and the financial implications of different care paths are generally easier and more useful when they happen well before any crisis. As a general rule, consider beginning meaningful conversations in the early-to-mid 60s and revisit them as circumstances evolve.
Do you help with the practical side of choosing a community?
CIA focuses on the financial side of these decisions. For the elder care and care management work itself, we can introduce you to Genwin, our sister company available to Georgia residents, which specializes in that area. Our role is to coordinate with you and your care team, whether that’s Genwin or your family’s own care team, to help determine the financial considerations based on the care needs identified.

Coordinated With the Rest of Your Plan

Retirement Planning

Modeling long-term care costs into your retirement income strategy.

Insurance & Healthcare Guidance

Long-term care insurance and Medicare coordination.

Estate Planning

Powers of attorney, healthcare directives, and incapacity planning.

Financial Planning

Funding strategies and family communication around aging.
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You Don’t Have to Navigate This Alone

Whether you’re planning ahead for yourself or helping a loved one navigate changing needs, we’re here to help.

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Capital Investment Advisors, LLC (“CIA”) is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Information regarding senior living, elder care, Medicare, long-term care, and related planning is provided for educational and financial planning purposes only and should not be construed as medical, legal, insurance, or caregiving advice. CIA does not provide medical, healthcare, legal, or insurance services. Genwin is an affiliated entity of CIA under common ownership; clients who wish to engage Genwin do so under a separate engagement and are under no obligation to utilize Genwin for these services. Recommendations regarding care needs, senior living communities, and insurance coverage should be made in consultation with qualified healthcare providers, licensed insurance professionals, attorneys, and other appropriate specialists. Availability, cost, and suitability of care options vary based on individual circumstances and applicable laws and regulations.