Smiling woman with blonde hair in a navy blazer.

Personal story with long-term care

Visiting my grandfather in his final years was heart-wrenching. Despite his alert mind, Parkinson's had taken a toll on his once robust 6'2", 180-pound frame.

My petite grandmother cared for him at home for as long as she could, but their resources dwindled. Eventually, Medicaid and a nearby nursing home became the only viable option.

My father assisted in his care, but Grandpa's constant plea remained: "Take me home."

Knowing about their options before he needed care might have changed their story. Witnessing my grandparents' struggles fuels my passion. I frequently hear how long-term care income planning has alleviated burdens. These encounters reinforce the significance of my work and commitment to being there for families when they need me the most.

— Michelle Prather
Founder & President | Care Income Planning

Why you should work with Michelle Prather

“When you work with me, my role is to educate, guide, and make sure every detail of your plan is complete.

I encourage you to align your education and planning with the person who invests the time to walk through the details with you - because policies set up by someone who doesn’t specialize in long-term care often fall short when families need them most.

Your care income plan deserves careful consideration. My commitment is that your pace is the right pace - because this is about protecting your family and your goals."

Professional Bio

Michelle Prather is the founder and president of Care Income Planning and the author of Who's Wiping Your Assets?, a sarcastically funny, brutally honest look at long-term care and the retirement risk no one plans for.

With 28 years of experience in long-term care planning, Michelle has helped thousands of families, financial professionals, CPAs, and attorneys navigate one of retirement's greatest financial threats: the cost of needing care.

After nearly three decades in the industry, including leadership roles training advisors nationwide, Michelle founded Care Income Planning with one mission: helping families create tax-efficient income to pay for future care while protecting their lifestyle, legacy, and loved ones.

Michelle believes long-term care isn't just a health issue... it's a family issue, a marriage issue, and often a financial issue disguised as a medical one. Her approach combines education, humor, and real-world planning to help people address difficult conversations before they become crises.

Through speaking engagements, workshops, podcasts, and her book Who's Wiping Your Assets?, Michelle challenges the traditional narrative around aging and long-term care with a refreshing blend of candor and sarcasm. Because sometimes the best way to talk about hard things is with honesty and a little humor.

When she's not helping families create their Care Income Plans, Michelle is likely recording content, writing, speaking, or dreaming up her next "crazy idea" while her husband enthusiastically cheers her on.

Her philosophy is simple: Protect your assets. More importantly, protect your people.

Because retirement planning isn't complete until you've planned for living, too.

Personal story with long-term care

Why you should work with Michelle Prather

Professional Bio

This website uses cookies.