63M
Americans providing care
Caring for an aging parent or loved one.
AARP & National Alliance for Caregiving, Caregiving in the U.S. 2025
How we help families who need to use the family home to pay for long-term care.
My mother had Alzheimer's for ten years.
When it became clear she could no longer safely stay at home, our family faced the decision millions of American families face every year.
Almost none of them are prepared for it.
My parents had done everything right. Retirement income. Investment accounts. Long-term care insurance. A trusted estate attorney, wealth manager, and CPA.
Every one of those professionals gave thoughtful advice within their area of expertise.
And our family still struggled financially and emotionally through the process.
What failed was the absence of anyone responsible for helping us understand our options for the family home, while our whole family was under enormous stress.
Both our mothers have now passed, we honored their memory by creating the Legacy Property Advisors Foundation to make sure what happened to our families does not happen to anyone else.
By the Numbers
The Reality Families Face
70% of Americans who reach 65 will need some form of long-term care.
U.S. Department of Health and Human Services
79% of seniors own their homes, often their largest single asset.
Harvard Joint Center for Housing Studies, 2022
Fewer than 4% of older Americans have long-term care insurance.
LIMRA
$182,000 to $225,000+ annual cost of a private nursing home room in California and the San Jose area.
CareScout Cost of Care, 2025
The Long-term Care and Home Decision Roadmap
We developed the Long-term Care and Home Decision Roadmap from nine years of caring for our mother and the many families we've helped since. The foundation exists for families in crisis that have limited resources and we will do this for you in a 1-1 private setting. We walk these families through our roadmap to help them understand the stages of care, how the home can help pay for care at each stage, and which professionals need to be involved and when.
We also bring workshops into long-term care organizations, hospice organizations, and non-profits that server our families in crisis. We can deliver workshops to groups of families or employees. Families leave knowing where they stand, how the home can help, and who they need next.
We fund the Foundation ourselves. Our mission is to reach as many families as possible, so every workshop and training we provide, to organizations and to families, is offered at no cost.
The Home Decision
Things we wish someone had told us first.
Three things to help you get your footing. The roadmap of the whole journey, a video that walks you through it, and an article on where families get lost.
Not sure where your family is on this path?
A short, free conversation is the best way to find out.
You Are Not Alone
You Do Not Have to Solve This on Your Own
The average family caregiver is 52 years old, squarely in Gen X and early Boomer territory. Many of us grew up learning to figure things out on our own. But when it comes to your parents' long-term care, you do not have to.
When our family went through exactly what you are going through, we felt like it was only happening to us. But the truth is that there are tens of millions of American families navigating this same road right now.
25%
Adults are caregivers
Of American adults are in a caregiving role right now.
AARP & National Alliance for Caregiving, Caregiving in the U.S. 2025
70%
Will need long-term care
Of people who reach age 65 will need some form of long-term care.
AARP & National Alliance for Caregiving, Caregiving in the U.S. 2025
29%
Sandwich generation
Are supporting children and aging parents at the same time.
U.S. Department of Health and Human Services
The hard truth most families learn too late is that options narrow fast once a health event forces the decision. Families who navigate this well are not the ones with the most money, but those who had a basic plan in place before the crisis arrived.
The Numbers
The real cost of care.
These are the 2025 median annual costs of long-term care in California and here in the San Jose area. Even families who can comfortably afford care look at numbers like these and arrive at the same place. The family home is almost always part of the decision, and a decision that large deserves real thought rather than a rushed choice under pressure.
| Annual cost of care, 2025 | California | San Jose metro |
|---|---|---|
| In-home care, around the clock | $349,440 | $384,384 |
| In-home skilled nursing (private duty nurse) | $228,800 | $228,800 |
| Assisted living, private one bedroom | $84,000 | $125,940 |
| Nursing home, private room | $182,135 | $225,205 |
In-home care assumes 168 hours per week. Private duty nurse assumes 40 hours per week. Assisted living is referred to as a Residential Care Facility in California.
Source: CareScout 2025 Cost of Care, California and San Jose metro area. Figures are median annual costs and vary by location and level of care.
LPA Foundation
The LPA Foundation does not charge service fees. All Foundation services are funded entirely by charitable donations and grants, so no family has to navigate this transition alone simply because they cannot afford it.
LPA Foundation is fiscally sponsored by Fiscal Sponsorship Allies, a 501(c)(3) organization, EIN 85-0839183. All donations are tax-deductible to the fullest extent allowed by law.