A Free Guide for Families

Have the talk before it's needed.

Long-term care conversations are easier when everyone is still healthy and thinking clearly. This free 9-page guide gives your family a simple framework to start.

5 Questions that matter
9 Pages, plain English
Free No cost, no obligation
A Guide for Families
Long-Term Care
Conversation Starter.
Simple questions to help you decide if long-term care planning should be on your radar.
Compliments of Crossroads Financial
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Created by a 15-year retirement planning specialist
Designed for Central Georgia families
Plain English, no financial jargon
Completely free, no obligation

Long-term care refers to a range of services that help people who can no longer perform basic daily activities on their own — like bathing, dressing, or managing medications — due to aging, illness, or disability. It includes in-home care, assisted living, memory care, and nursing home care. It is not the same as medical care, and most health insurance and Medicare plans do not cover it.

Why This Matters

The families who handle this with the least stress are the ones who talked about it first.

Nobody wants to think about becoming dependent on others for basic daily activities. It's uncomfortable. But the families who navigate long-term care with the least stress, the least conflict, and the least financial damage are the ones who had the conversation before it became urgent.

This guide helps you start that conversation. Not with a sales pitch. With five simple questions that help your family figure out preferences, identify gaps, and explore options while there's still time to plan.

70%
of people over 65 will need some form of long-term care.
In Central Georgia, that care typically runs $4,000 to $8,000+ per month depending on care level and location. Medicare does not cover most long-term care. Medicaid does, but only after you've spent down most of your assets.
Inside the Guide

Five long-term care planning questions to get your family on the same page.

Each question is designed to uncover something families usually don't talk about until it's too late. There are no wrong answers. The goal is just to start the conversation.

01
Who would be the primary caregiver?
Physical caregiving is demanding work. This question helps families be realistic about capabilities, not just intentions.
02
Who is going to oversee everything?
Even with professional help, someone has to coordinate medications, appointments, bills, and decisions.
03
Where do you want to be?
Stay home, move in with family, or transition to a facility? Each option has different costs and considerations.
04
How are you going to pay for it?
Current income, savings, insurance? Many families haven't calculated the costs or identified funding sources.
05
Are your papers in order?
Power of Attorney, Healthcare Power of Attorney. Without them, family members can't make decisions on your behalf.
Free Download
Ready to start the conversation with your family?
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Common Questions

Long-term care questions families ask most.

It's a free, 9-page printable guide with five essential questions that help families discuss long-term care preferences, identify potential caregivers, and think through funding options. It's designed to be used at the kitchen table, not in a financial advisor's office. No jargon, no sales pitch, just a starting point for a conversation most families need to have.

Long-term care in Central Georgia typically costs between $4,000 and $8,000+ per month depending on care level and location. With 70% of people over 65 eventually needing some form of care, having a plan matters. Medicare does not pay for most long-term care, and Medicaid only kicks in after you've spent down most of your assets. Starting these conversations early gives families time to explore options rather than making rushed decisions during a crisis.

That's exactly when it's most useful. The guide is designed for families who are planning ahead, not responding to an emergency. It works well for people in their 50s to 70s who want to think through their own future care, and for adult children who are starting to consider what their parents might need down the road. The best time to have this conversation is before anyone needs care.

You'll get the guide immediately and you're welcome to use it on your own with your family. If you'd like to talk through your family's situation, Kit offers a free, no-obligation consultation. There's no pressure and no follow-up calls unless you ask for them.

Kit Kitchens spent 15 years as the person financial advisors called when their clients needed help with retirement and long-term care planning. He opened Crossroads Financial to give Central Georgia families direct access to that same expertise. Based in Perry, he works with families in Warner Robins, Macon, and the surrounding area. His approach starts with listening and education, not product recommendations.

Costs vary by type of care and setting. In Central Georgia, in-home care typically ranges from $4,000 to $5,500 per month. Assisted living facilities run $3,500 to $5,000 per month. Nursing home care, which provides the highest level of medical supervision, can run $6,000 to $8,000+ per month. A three-year nursing home stay could cost $150,000 to $300,000 or more. These numbers are why having a plan matters.

Kit Kitchens, President of Crossroads Financial, Perry Georgia — retirement planning and long-term care specialist
About the Author

I created this guide because families in Central Georgia deserve better.

I'm Kit Kitchens. For 15 years, I was the person financial advisors across the country called when their clients needed help with retirement planning and long-term care. I was the person behind the scenes, doing the research, running the numbers, and designing the solutions.

After moving my family back to Perry, I started noticing something. The families who needed help the most weren't always the ones getting it. So I created this guide to give every family a simple way to start a conversation that could save them thousands of dollars and a lot of heartache.

The best time to have this conversation was ten years ago. The second-best time is today.

You don't need perfect answers. You just need to start the conversation. Download the guide, sit down with your family, and begin. If you want help after that, I'm here.

Get the Free Guide Now
Or reach Kit directly: · 478-330-3331 · Kit@crossroadsfin.com
Disclaimer. This guide is designed to help families start important conversations about long-term care planning. It is not intended to provide financial, legal, or medical advice. Every family's situation is unique, and decisions about long-term care should be made in consultation with qualified professionals including financial advisors, attorneys, and healthcare providers who understand your specific circumstances.

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