The Senior Care Money Plan

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THE SENIOR CARE MONEY PLAN

Make Your Parent’s Money Go Further,

without cutting corners on care.

The complete plan for paying for senior care: know what’s negotiable, avoid expensive mistakes, and choose the best option for your parent.

A five-module course for adult children, whether your parent has savings to work with or nothing but Social Security.

Introductory price:

$297, one time

Testimonial placeholder

A five-module course for adult children, whether your parent has savings to work with or nothing but Social Security.

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There's a number in your head right now.

Maybe it's what's sitting in your mom's savings. Maybe it's a Social Security check that's supposed to cover everything.

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.

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 also know the levers to pull to get the best deal and make the money go as far as it can.

Here's how

it works.

Each module builds the next piece of your plan:

Know Your Runway

find out how long the money lasts

Stretch the Runway

find the levers that buy more time

Medicaid Decoded

know the rules before you need them

Negotiate Like an Insider

walk into contract conversations prepared

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.

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

Find the levers that make the money go money further. We’ll cover options including long-term care insurance, home equity, VA benefits, and more. By the end, you’ll have a short list of moves to help your parent’s money last longer without cutting into the care they need.

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.

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.

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.

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.

Meet the Care Runway Calculator™

Put in your parent’s real numbers and get two dates you can plan around.

What-ifs:

see how selling the house or switching to home care moves both dates.

Home or community:

it works either way.

Depletion Date:

when the money runs out.

Transition Date:

when your next plan, like Medicaid, needs to be in place.

Depletion Date:

when the money runs out.

Transition Date:

when your next plan, like Medicaid, needs to be in place.

What-ifs:

see how selling the house or switching to home care moves both dates.

Home or community:

it works either way.

Example:

$150,000 in savings
$1,900 a month from Social Security
$6,500 a month for assisted living.

Her money lasts

months

PLUS BONUSES

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.

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.

bonus 03

Negotiation

Scripts

The actual words to use when asking about community fees, rate locks, base rent, and the clauses most families miss.

What's Included:

Value $497

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 $197

Care Runway Calculator™

plus bonuses

If the Call Comes, the First 48-Hour Decision Checklist
Cost Comparison Worksheet
Negotiation Scripts

Value $47

Value $27

Value $47

Lifetime access

Come back whenever the next decision hits.

TOTAL VALUE: $815

Introductory Price:

$297ONE TIME

Get the Money Plan

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

Get the Money Plan