The Senior Care Money Plan
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Know what your
parent can afford.
Make a plan before the crisis.
The Senior Care Money Plan shows you how long your parent's money lasts and what your options are, so the decision doesn’t get made in a panic.
A five-module course for adult children, whether your parent has savings to work with or nothing but Social Security.
Inside is the Care Runway Calculator™, which turns your parent’s real numbers into two dates: when the money runs out, and when you need your next plan in place.
Founding price:
$297, one time
Goes to $497 after the founding round.
Add your email to get first access when it opens.
Testimonial placeholder
A five-module course for adult children, whether your parent has savings to work with or nothing but Social Security.
name here
There's a number in your head right now.
you still don’t know if it’s enough
Maybe it's what's sitting in your mom's savings.
Maybe it's a Social Security check that's supposed to cover everything.
Either way, you've run the math more than once and you still don't know if it's enough.
Nothing has to be wrong for this to weigh on you.
Everyone's fine today. But you know the call is coming, and you don't know what you'll be deciding when it does.
Most families wait until the crisis is loud. By then, the options are fewer, the prices are higher, and someone is making decisions under fluorescent lights at 2 a.m.
Right now, senior care decisions happen in a fog.
You Google.
You call a community.
They send a brochure.
One sibling sends a link, another says, "We can't afford that."
Nobody knows what your parent can afford.
So the decision goes to whoever is loudest, most panicked, or closest to the hospital.
The Senior Care Money Plan clears the fog before it becomes a fight. It gives you one place to look: how long your parent's money lasts, what can stretch it, and what to do when it runs low.
When everyone is looking at the same numbers, the decision stops belonging to whoever is loudest.
I spent nearly twenty five years on the other side of the table you're about to sit down at.
I'm Christen Bergeron
founder of Navigating Senior Living.
I built the budgets, set the rates, and ran the communities. I trained the people who give the tours.
I saw the families who had a plan, and I saw the ones who didn't. The difference wasn't love, or effort, or even money. It was information.
Now I watch my own friends move into that same role with their parents. The call comes. The crisis hits. And suddenly they're supposed to become experts on care contracts, Medicaid, and sibling dynamics, all at once.
This isn't estate planning for the wealthy. I help regular families get clear on what they have, what they can do, and what to do next, before the decision gets made in a panic.
The Senior Care Money Plan is
what I wish every family I'd worked with had sitting on their laptop before the call came.
Picture the next conversation with a plan in front of you.
Instead of another late-night search, you open one document with your parent's numbers, the options you've identified, and the questions you still need answered. You have a starting point for the family conversation, and something concrete to bring to the professionals who can help.
Meet the Care Runway Calculator™
Here's how
it works.
Each module builds the next piece of your plan:
01
Know Your Runway
find out how long the money lasts
02
Stretch the Runway
find the levers that buy more time
03
Medicaid Decoded
know the rules before you need them
04
Negotiate Like an Insider
walk into contract conversations prepared
05
The Family Decision Plan
get everyone aligned before a crisis does it for you
You finish with your Senior Care Money Plan:
One document you can reopen whenever things change, with your parent's number, your options, and what to do next.
A worksheet with each module helps you build it.
One place to return to when the next decision comes.
When a rate goes up, when care needs change, or when a sibling asks, "Can we afford this?" you're not starting from scratch.
Module breakdown:
module 01
Know Your Runway
Find out how long the money really lasts. You'll build your parent's Care Runway Calculator™ with their real numbers, walked through line by line. By the end, you'll have two dates to plan around, not a feeling.
module 02
Stretch the Runway
Make the money last longer without cutting corners. We'll cover the real levers: long-term care insurance, home equity, splitting costs among siblings, and more. By the end, you'll have a short list of moves that could add years to the runway.
module 03
Medicaid Decoded
Understand the rules before you need them. Eligibility, the look-back period, and how the transition from private pay happens. By the end, you'll know when to start planning, even if it's years away.
module 04
Negotiate Like an Insider
Use what industry insiders know before you're caught off guard. What's negotiable in a senior living contract, what isn't, and the clauses most families miss until it's too late. By the end, you'll know what to ask and what to watch for.
module 05
The Family Decision Plan
Get everyone on the same page. A way to divide responsibility among siblings before a crisis forces the conversation. By the end, you'll have a plan for who does what.
Here’s what
you get:
The Senior Care Money Plan
Core Course
Five recorded modules, each with a companion worksheet. Built to take you from fog to a finished plan in a few focused sittings.
VALUE $XXX
Care Runway Calculator™
Turns your parent’s real numbers into two dates: when the money runs out, and when you need your next plan in place.
VALUE $XXX
bonus 01
If the Call Comes, the First 48-Hour Decision Checklist
The steps to take if a crisis hits before you're ready, so you don't miss something expensive while you're still in shock.
VALUE $XXX
bonus 02
Cost Comparison Worksheet
A clean way to compare communities side by side, including the fees and clauses that don't show up in the brochure.
VALUE $XXX
bonus 03
Negotiation
Scripts
The actual words to use when asking about community fees, rate locks, base rent, and the clauses most families miss.
VALUE $XXX
What's Included:
Value $xxx
The Senior Care Money Plan Core Course
Module 1: Know Your Runway
Module 2: Stretch the Runway
Module 3: Medicaid Decoded
Module 4: Negotiate Like an Insider
Module 5: The Family Decision Plan
Value $xxx
Care Runway Calculator™
plus bonuses
If the Call Comes, the First 48-Hour Decision Checklist
Cost Comparison Worksheet
Negotiation Scripts
Value $xxx
Value $xxx
Value $xxx
Lifetime access
Come back whenever the next decision hits.
TOTAL VALUE: $XXX
Goes to $497 after the founding round.
$297ONE TIME
Get first access to the Senior Care Money Plan.
Join the waitlist and lock in the founding-member price before the cart opens October 15.
When the course opens, you're covered by
7-day money-back
guarantee
Watch Module 1. If it's not what you needed, email for a full refund.
This is for you if:
You know the senior care conversation is coming, even if you don't know when.
You want a clear number and a plan before the crisis hits.
You're the sibling or child who ends up doing the research, and you want backup.
You'd rather walk into a community tour prepared than figure it out at 11 PM after a bad phone call.
You want to understand Medicaid before you need it.
This may not be the right fit if:
You're looking for legal, tax, or investment advice. This is a planning framework, not a substitute for those professionals.
You want someone else to gather the numbers and have the conversations for you.
You're only willing to deal with this once the crisis has already started. This works best when you use it before the call comes.
FAQ
What if we end up needing Medicaid eventually?
It's a whole module. Module 3 covers eligibility, the timing that matters most, and what happens once private pay stops covering things.
Is this too advanced for where I'm starting?
No. Module 1 walks you through it line by line, so you never start from a blank spreadsheet.
Medicaid rules differ by state. Will this apply to me?
Yes. The framework is the same everywhere: an asset limit, a look-back period, and a transition from private pay. The specific numbers vary by state, and Module 3 shows you what to check for yours.
What if my siblings aren't on board?
This works even if you're the only one doing it. Real numbers make it easier to bring them in later.
Why not just hire someone?
You can, and you still might. This gives you the knowledge to hire smarter and not get talked into something you don't need.
How much time does this take?
A few sittings, not a few weeks.
What's the refund policy?
Watch Module 1. If it's not what you needed, email us within 7 days for a full refund.
You don't have to wait for an emergency to start understanding the numbers.
If you know the conversation is coming, and you want to walk into it with our parent’s numbers already worked out, a plan, and the right questions, this is it.
$297ONE TIME
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