Generally, until you cross into this world of needing to find options for care and housing for elders, it’s not something you think about, or it’s on the back burner. Daphne Davis at Pinnacle Senior Placements has been doing this job for 18 years, and she sees that finances can always be worked out. She wants to give everyone a sense of hope about it. Don’t be afraid to talk about finances. Be straightforward with your advisor so you get good, objective information. It might be on a private pay basis, in which the estate of your loved ones can pay for their care and housing, ideally until the end of life, but rarely does that happen these days. Cost of care is very high, everyone gets sticker shock. Don’t let it stop you. Forty-five percent of seniors that are in some level of care are on Medicaid. Have a plan that allows you to have at least some months of private pay before you use insurance so you have more options.