Long-Term Care Happens at Any Age to Anyone.
Accidents, ailments, and aging. Protect your savings, your independence, and your family before they knock.
Based in Indiana · Helping families nationwide
Meet Michelle
Michelle Prather is the founder of Care Income Planning and the author of Who’s Wiping Your Assets?, a sarcastically funny, brutally honest look at the retirement risk no one plans for.
For 28 years she’s helped families answer one hard question: who pays when care is needed? She’s also trained financial advisors, CPAs, and attorneys across the country on the same topic, so when families work with Michelle, they’re getting the person the professionals learn from.
Her answer is a Care Income Plan: tax-efficient income set aside for future care so it doesn’t come out of your lifestyle, your legacy, or your kids’ careers.
Michelle believes long-term care isn’t just a health issue. It’s a family issue, a marriage issue, and a money problem disguised as a medical one. So she brings candor, humor, and real-world planning to conversations most people avoid until it’s a crisis.
Her philosophy is simple: Protect your assets. More importantly, protect your people.
Most families find out the hard way...
Don't pay out of pocket
Self-funding care quietly unravels even the best financial plans -forcing asset sales, unexpected taxes, delayed gifts, and reduced inheritances.
One care event can undo decades of strategy and family intention.
Besides, who wants to pay full price?
Impact on adult kids
Relying on your kids for care can turn their world upside down - pulling them from work, straining their family life, and forcing them into roles they never expected.
Your care may become their sacrifice.
Not just for elderly
Long-term care isn’t just for the elderly - it’s for anyone who wants control, protection, and independence.
Accidents and ailments don’t wait for retirement. Plan early for more options, better pricing, and lasting peace of mind.
Medicare won't cover LTC
Many people are shocked to learn Medicare doesn’t cover long-term care, like help with bathing, dressing, or staying at home.
By the time they find out, they’re already paying out of pocket. Don’t confuse health care with long-term care, the gap is real and costly.
Book: Who's Wiping Your Assets?
A Not-So-Boring, Sarcastically Funny Look at Long-Term Care and the Cost No One Plans For
Who I help
Business Owners
Protect what you built if care is ever needed and possibly get a tax deduction while you're at it!
Farm & Ranch Families
Keep care costs from eating the operation and the land.
Schedule a private conversation
What to expect on our call:
I look forward to learning about your situation, answering your questions, and exploring what options may make sense for you.
Every family is different, so we'll focus on your goals, your concerns, and what you're hoping to accomplish. It's free, with no obligation, and takes about 30 minutes.
We'll talk plainly about what you're carrying and where you may (or may not) be exposed to long-term care costs, and you'll leave with a clearer picture of what could make sense for you.
P.S. If you're wondering about me sending you a bunch of marketing emails - don't be. I hate those too so I don't do that to others.