Close the Predictive Gaps that Destabilize
Financial & Extended Care Plans
Before they escalate claims & erode assets
We Help Financial Advisory and Long Term Care Insurance Enterprises
Address the Hidden Drivers of Caregiving & Long Term Care
Reduce Caregiver-Driven Risk * Protect AUM * Retain Heirs * Mitigate Claim Escalation * Drive Client + Professional Engagement
improvE liveS & THE bottom line
Predictive Analytics Informs the Financial or Long Term Care Plan.
Our Expertise Makes the Plan Possible.
At Silver To Gold Strategic Consulting we equip financial advising firms, long term care insurance firms, and employers with unique strategies so you can provide impactful solutions for your clients, policyholders, and employees that reduce the hidden threats artificially driving dependency and negatively impact your bottom line.
We do this as the only financial gerontology consultancy providing expertise in gerontology, environmental psychology, neuroscience-based learning, and senior care, services, + policy.
THE HIDDEN DRIVER: THE DESIGN OF WHERE THEY LIVE
Nearly all housing puts successful aging in place–and your clients physical & financial health–at risk.
The design of where people live often accelerates preventable decline and frailty–driving unnecessary caregiving needs, care costs, and family burdens.
Yet this factor is rarely incorporated into financial or long-term care planning.
It threatens the provision of in-home care, aging in place, the physical & financial well-being of family caregivers, and generational wealth.
If your plans do not address this with prevention & planning strategies, responses will likely be reactive–and come too late, compromising the safety nets that you and your clients prepared.
Silver To Gold Strategies can help your organization change the status quo of unnecessary decline and asset depletion and shift it to physical and financial resilience.
THE DRIVERS OF HEIR & ASSET LOSS, CLAIMS ESCALATION,
& WORKFORCE DISRUPTION
& WORKFORCE DISRUPTION
No Reason for Heirs to Stay
Over 70% of heirs move assets away from the current firm when they assume money management or inherit assets.
Involving them in meetings is not enough.
What if you could help families reduce care needs and caregiving burdens–creating a powerful reason for generational loyalty?
Lack of Paid Caregivers
Many older & their families may have the funds for care but cannot access quality, reliable care amid our nation’s rapidly expanding paid caregiver shortage.
Money alone is not enough.
What if you could help reduce the need for care while easing the burden on family caregivers?
Artificially Created Care Needs
Older adults’ wealth is unnecessarily drained by housing that drives preventable care needs–increasing suffering, depleting assets, and burdening heirs.
Not all decline is inevitable.
What if you could help them reduce care needs, costs, and the burdens on heirs?
OUR PROPRIETARY METHOD
The Enabling Design™ Method
When the environments people age in are not designed for changing needs, preventable decline accelerates—
driving caregiving demand, long term care costs, and asset loss.
This can result in:
Forced Frailty — being dis-abled by the design of one’s home or community
Eviction by Design — being forced to leave a home of choice due to design barriers
Impoverishment by Design — losing assets to long-term care costs that could have been prevented
enabling people to retain their physical + financial independence with age.
We are the BRIDGE between the Financial Planning & Long Term Care Insurance Sectors
and a CATALYST to Reduce Financial Losses Due to Caregiving
FINANCIAL PLANNING FIRMS
The largest Generational Wealth Transfer in history is here. Are you ready?
We help you address hidden threats to wealth preservation so
you can increase AUM + heir loyalty.
LONG TERM CARE INSURANCE FIRMS
The Claims Wave is here. Are you ready?
We help you address hidden drivers of frailty & caregiver burden so
you can delay & reduce claims.
Employers, Benefits Programs, & EAPs
Employee caregiving is costing U.S businesses >$33B. How much is it costing you?
We help you uniquely support employee caregivers so
you can retain employees + reduce financial losses.
We Provide Enterprise Strategy, Professional Training, Caregiver Education, and Advisor & Client Engagement to Change the Trajectory of Long Term Care Plans
OUR FLAGSHIP SOLUTION
The Retention Catalyst™ Program
A System to Address the Hidden Threats that are Unnecessarily Draining Wealth, Driving Up Costs, and
Burdening Heirs due to Preventable Caregiving Needs & Costs
Be the Financial Advising Firm or Long Term Care Insurer for Multiple Generations, Protect Client Wealth & Relationships, Drive Referrals
Be the Employer of Choice Safeguarding Employee Health & Financial Security Today & In Retirement while Protecting Your Bottom Line
OUR SERVICES
Advisor Training Workshops
Customer Service Team Trainings
LTCi Financial Advisor Engagement Events
HR Manager Trainings
Keynotes, Conferences, Subject Matter Expertise, + Custom Presentations
Fractional Gerontology Services
Professional Coaching
Assessments, Revisions, & Integration of our unique Enabling Design Method™ into your Processes, Materials, Website
Strategy Sessions
Engagement Summits
Workshops & Family Caregiver Trainings
PROFESSIONAL TRAININGS & speaking
Advisor Training Workshops
Customer Service Team Trainings
Keynotes, Conferences, Subject Matter Expertise, + Custom Presentations
strategic advising
Fractional Gerontology Services
Coaching
Assessments, Revisions, & Integration of our unique Enabling Design Method™ into your processes, materials, website
CLIENT ENGAGEMENT
Strategy Sessions
Engagement Summits
Workshops & Family Caregiver Trainings
OUR UNIQUE LTCi SOLUTION
The LTCi Customer Service Initiative
A Program to Train Your Client-Facing Staff to Provide Gerontology-Informed Service and
Train Family Caregivers to Reduce Preventable Caregiving Needs & Costs
Why Financial Advisors are Ideal to Uniquely Support Clients & Heirs
By offering our approach to clients and their heirs, you can amplify your positive impact on all generations and give them reasons to stay with you.
- The older client is already working with them and trusts them.
- Heirs are familiar with this type of professional and may already be working with one.
- The financial plans you create (and your firm’s AUM) are impacted by your clients’ physical independence.
By incorporating our unique Enabling Design Approach, advisors can provide simple yet innovative strategies to minimize clients’ caregiving needs and costs and burdens on heirs. Heirs are often significantly impacted by caregiving, with many developing health conditions and their own financial challenges. At the same time, advisors can address a hidden threat that would otherwise unnecessarily put the plans they’ve created at risk, helping to preserve assets and AUM.
5 Times Clients Call Us
When Another Heir has Moved Funds Away from Your Firm
When Another Client has Moved to Assisted Living or Skilled Nursing
When Your Clients have Funds for Care, but can't Access Quality, Reliable Care
When Caregiving Burdens Threaten Middle-Aged Clients' Physical & Financial Wellbeing
When Your Key Employees & Projects are Impacted by
Elder Care
The LTCI Retention Catalyst™ Program
Reduce Claims
Minimize Losses on Preventable Claims when you help your clients retain their physical independence and limit asset spend-down.
- Address the Claims Wave when you enable clients to reduce preventable needs
- Address a critical gap that predictive analytics fails to address
- Engage with existing policy holders and attract new ones with special events
- Improve your reputation as you change perceptions about LTC insurance
- Help younger clients protect their retirement security by reducing caregiving demands
- Be the Insurer of Choice when you help workplace clients reduce financial losses and workplace disruptions due to employee caregiving demands
EMPLOYERS, EMPLOYEE BENEFITS & EAPs
Reduce Costly Workplace Disruptions
Minimize absenteeism, presenteeism, and reduced productivity due to employee caregiving burdens that cost U.S. businesses
$17-33 Billion annually.
- Give your HR team + managers tools for addressing the impacts of employee eldercare
- Give employees an innovative method to protect their own retirement security by reducing eldercare needs and remaining in the workforce
- Reduce unnecessary turnover and retain valuable workers