In this episode, Heather Clark shares practical, compassionate guidance on how to navigate financial planning for aging parents, without waiting for a crisis. From starting the often-avoided money conversation to building trust across generations, Heather breaks down how families can approach finances with clarity and confidence.

We explore why early planning matters, how to address long-term care considerations, and what it takes to create a strategy that supports both aging parents and the next generation. Whether you're unsure how to begin or looking to strengthen your current plan, this conversation offers actionable insights to help you move forward.

In this episode, you’ll learn:
• How to start the conversation about money with aging parents
• Why trust and connection are essential in financial planning
• Key considerations for long-term care planning
• Strategies for intergenerational wealth transfer
• How to take a proactive (not reactive) approach to aging finances

This is the conversation every family needs—but few know how to start.

Key Takeaways:
• The best time to talk about money is before it’s urgent
• Trust is the foundation of every successful financial conversation
• Small, consistent conversations are more effective than one big talk
• Planning for long-term care protects both finances and relationships
• A clear plan reduces stress and prevents family conflict
• Financial transparency supports smoother transitions across generations

Chapters

00:00 Introduction to Financial Clarity

02:37 Overcoming Financial Overwhelm

05:23 Finding a Trusted Financial Advisor

07:32 The Importance of Relationships in Financial Planning

10:24 Generational Financial Planning

13:08 The Reality of Social Security

15:02 Understanding Family Financial Dynamics

17:15 Simplifying Financial Management

19:36 Quality of Life and Financial Decisions

21:21 Planning for Future Care Needs

23:51 Engaging in Community Living

26:51 Navigating Family Conversations about Finances

33:43 Navigating Caregiver Overwhelm

36:01 The Importance of Open Conversations

37:01 Blind Spots in Aging and Caregiving

41:11 Starting Difficult Family Conversations

42:29 Understanding End-of-Life Wishes

47:25 Planning for Financial Longevity

53:14 The Need for Professional Guidance

Resources

Website: https://www.nextstep4you.com

Facebook: https://www.facebook.com/NextStepWealthManagement

LinkedIn: https://www.linkedin.com/in/heatherclarknextstep4you/

© 2025-2026 Lisa M. Harper. All rights reserved. “Not Ready Yet: Curating Conversations for the Aging Journey” is a trademark of Lisa M. Harper.

Many families assume caregiving means doing everything themselves, it doesn't. Sometimes the right support looks like a trusted neighbor showing up.

In this episode, I sit down with Helen Burns from Naborforce to explore how neighborly support helps older adults stay independent, connected, and safe at home. We discuss how community-based assistance can ease the burden on family caregivers while improving quality of life for aging loved ones.

Whether you're caring for aging parents, noticing early signs they may need extra help, or simply planning ahead, this conversation offers practical guidance and reassurance that you don't have to navigate this alone.

In This Episode, We Discuss:

• The origin story of Naborforce and its mission
• How neighbors are recruited, screened, and vetted
• Services available to support older adults at home
• The critical role of social connection in preventing loneliness
• Signs it may be time to bring in additional support
• How adult children can access and coordinate help for their parents

Chapters

00:00 Introduction to Neighbor Force and Its Mission
02:06 Understanding Neighbor Force's Services
04:29 The Origin Story of Neighbor Force
07:22 Becoming a Neighbor: Recruitment and Safety
10:01 Neighbor Force's Geographic Reach
12:04 The Role of Adult Children in Caregiving
17:04 Navigating Caregiving Responsibilities
19:52 Identifying Signs for Extra Support
19:58 Recognizing Signs for Extra Help
22:11 The Loneliness Epidemic
26:29 Understanding Available Resources
29:07 Navigating Aging Conversations
30:58 The Importance of Decluttering

Resources

Naborforce Official Website - https://naborforce.com

Guest Link

LinkedIn - https://www.linkedin.com/in/helen-burns-bb85b448/

© 2025-2026 Lisa M. Harper. All rights reserved. “Not Ready Yet: Curating Conversations for the Aging Journey” is a trademark of Lisa M. Harper.

In this insightful interview, Carly Ebenstein shares her expertise on long-term care insurance, clarifying common misconceptions, discussing optimal timing for purchasing coverage, and emphasizing the importance of planning ahead for aging and caregiving. This conversation provides practical advice for families to make informed decisions and start vital conversations about aging and care.

Key Takeaways

• Timing for long-term care insurance purchase
• Differences between Medicare, Medicaid, and long-term care insurance
• Activities of Daily Living (ADLs) and cognitive health in care needs
• Flexible benefits of hybrid long-term care policies
• Planning conversations and legal documents for aging
• How long-term care insurance can save your family from crisis

Chapters

00:00 Introduction to Long-Term Care Insurance

01:43 Carly's Journey into Long-Term Care

03:59 Understanding Medicare vs. Long-Term Care

09:18 The Importance of Planning for Long-Term Care

10:29 When to Consider Long-Term Care Insurance

13:31 Protecting Options for the Future

16:45 The Role of Caregivers in Long-Term Care

19:03 Understanding Long-Term Care Insurance

20:27 The Importance of Home Care Options

21:27 Navigating Benefits and Payment Structures

24:37 The Role of Caregivers in Long-Term Care

25:14 Creating a Plan for Care

26:25 Resources and Educational Offerings

27:40 Challenging Assumptions About Long-Term Care

29:38 Starting the Conversation About Care Plans

Resources

Carly Ebenstein's Website

Long-Term Care Start Here Webinar

San Francisco Library Event

CJB Insurance Services YouTube Channel

Cost of Care Calculator

Printable Plan of Care Document

Carly Ebenstein's LinkedIn Profile

© 2025-2026 Lisa M. Harper. All rights reserved. “Not Ready Yet: Curating Conversations for the Aging Journey” is a trademark of Lisa M. Harper.