Retiring With Enough Aging and Elder Care with Kevin Sebesta, CRPC™️
Feb 24, 2026
Kevin Sebesta, retirement coach and author of the Life in Fire blog, shares personal perspectives on aging, elder care, and retirement planning. He talks about framing retirement budgets, self-funding versus long-term care insurance, siloing assets for care costs, finding affordable small licensed memory-care homes, and practical tax and liquidity strategies.
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Plan Aging Costs As Stepped Layers
- Do plan for aging costs with a stepped approach rather than a single worst-case number.
- Kevin used a retirement plan that created a base “great life” floor, then a separate aging-spend silo for assistance, care, and housing to model timing and magnitude.
Keep Liquid Assets For Early Care Needs
- Try to keep some liquid or short-term assets earmarked for near-term aging events.
- Kevin stressed keeping part of the aging silo in liquid accounts to avoid selling equities into a down market if care is needed soon.
Built Retirement Plan With Great Life Floor And Aging Silo
- Kevin and his wife built a retirement plan with a 'great life' floor then an aging silo for long-term care.
- Their plan emphasized guaranteed income, immediate annuities, and a safety-first base plus separate aging projections.