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
“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."
Michelle Prather is a nationally recognized educator and authority in long-term care income planning, with over 27 years of experience shaping the way financial professionals, CPAs, and attorneys guide their clients through retirement’s greatest risk.
As a keynote speaker at major industry conferences and the architect behind thousands of advisor trainings and client workshops, Michelle has earned a reputation as the go-to specialist - not a generalist - when it comes to long-term care planning.
She has mentored and equipped countless professionals with the skills to have the most difficult, yet most necessary, conversations about care and retirement security.
Her career began 1998 as an internal wholesaler. Through hard work and unmatched expertise, she quickly became the #1 Most Valuable Wholesaler five times, before moving into executive leadership roles including National Accounts Vice President and ultimately National Vice President of Sales. Along the way, she lead successful teams, built innovative training platforms, and was recognized multiple times for excellence in execution and distinguished achievement.
Michelle’s passion, credibility, and hands-on experience make her a trusted partner for those who want to work with someone who doesn’t just “know the products,” but who understands the ripple effects of long-term care on families, finances, and futures.