Set an appointment(949) 444-4900
All six situations

The money question

Every way to pay, laid side by side.

Reverse mortgage, selling, renting, downsizing, insurance, and benefits. Most families have more ways to fund care than they realize, and the right mix usually gets clearer once the numbers are on the table.

Call (949) 444-4900Set an appointment

Always free to families.

The money question

“We need to figure out how to pay for it.”

Ways to cover the cost

The options, side by side.

Medicare generally doesn’t cover ongoing non-medical help at home, and most care is paid privately. Here is where that money usually comes from.

  • Monthly income and savings

    The starting point: what care actually costs in Orange County, and how long your plan can carry it.

  • Reverse mortgage & home equity

    Reverse mortgages, reverse seconds, and purchase options that turn the house into a way to fund care, fund a move, or stay put.

  • Sell, rent, or downsize

    With an SRES-designated broker. Renting or a short-term plan can buy time to sell right instead of selling in a hurry.

  • Long-term care insurance

    Long-term care coverage and policy reviews. Some policies are worth more than families think.

  • VA Aid & Attendance

    A benefit for eligible veterans and surviving spouses that can help cover care.

  • Life settlements

    Value from a policy you no longer need. A review may recover real value before a policy lapses.

How we work it out

One call. Five licensed disciplines.

The options live in different offices: the care agency, the real estate agent, the lender, the insurance broker. None of them talk to each other. We do.

  1. We size up the situation

    Care needs, timing, income, savings, insurance, and whether they own the home.

  2. We lay the options side by side

    What each path costs, what it keeps, and what it gives up, without a rushed decision about the house.

  3. We carry it, or hand it off

    Real estate, mortgage, and insurance are licensed in-house. For everything else, the right name before we hang up.

Straight answers

If private pay isn’t realistic, we’ll say so.

And we’ll point you to the public and nonprofit programs that fit. Medi-Cal eligibility and estate recovery rules have changed before and are changing again, so old advice can cost a family the house.

Protect the estate

Guardian Senior Solutions is not a law firm and does not give legal or tax advice. We coordinate with licensed attorneys and tax professionals who do.

Where families usually go next

Your next page.

Set an appointment

Start with one conversation.

One call reaches a real person who knows this county, knows this system, and will tell you the truth about where you stand.

(949) 444-4900

Always free to families. We are paid by our partners, never by you.

Tell us a little. We’ll call you.