Long-Term Care Cost Planning Software Built for Financial Advisors
Care is one of the biggest costs most retirement plans leave out. Help your clients plan for the real cost of aging and caregiving, without becoming their care manager.
• Key Document Planning and Sharing • Easy Family Communication • Recommended Next Steps • Financial Resources • Aging Well Index • Document Vault • Benefits Finder • Care Stage Tracker • Family Loop • Consent-first Sharing • Ask EVO • 256-bit Encryption • No ads, ever
Estimated Monthly Cost • Michigan
Home Care
$1,992
Assisted Living
$3,800
Nursing Home
$8,000
Live product
State specific care cost modeling, adjustable by weekly care hours.
From "What If" to an Actual Plan
About a third of family caregivers have stopped saving altogether, and 13% have already pulled from retirement accounts (AARP & National Alliance for Caregiving, Caregiving in the US 2025). Real care costs belong in the plan before the plan needs them.
CAEVO is what a client works with between meetings, so the numbers you’re planning around next time are real ones.
Care costs in the retirement conversation
Most retirement plans cover market swings. Few cover the cost of care. When a client needs care, three problems tend to land on the advisor at once.
The withdrawal nobody scheduled.
Care begins, and the drawdown plan shifts. The client is now making a six-figure decision on a two-week timeline, with the advisor finding out afterward.
The adult child you have not met.
The person now making decisions is often an adult child who has never worked with you. If you were hoping to keep the family as clients, you're starting from zero.
The soft questions.
Where should mom live? Is the house safe? Should we sell it? Does she qualify for anything? None of it is investment advice, but all of these questions come your way. They trust you already.
Advisors who keep the relationship through the transfer are the ones who were helpful before it
A Retirement Planning Care Tool That Works With You, Not Around You
Here’s where CAEVO fits inside the review you already run:
Annual Review
Raise it early.
Longevity and care become a normal planning topic while the client is still the decision-maker.
Annual Review
Hand over the Platform.
The client runs their own Aging Well Hub, a resource with your name on it.
Family Loop
Bring the next generation in.
The client invites the heirs, giving you a reason to be in the room with them.
Ongoing
Plan against real numbers.
Care cost ranges and stage changes feed the plan instead of surprising your client.
Financial Advisor Caregiving Tools Included in the Partnership
Five things you can put in front of a client this quarter:
Care Cost Estimator.
State-specific ranges for home care, assisted living, and nursing home. Turns a vague fear into a line item.
Aging Well Index.
A longevity picture across five domains, with reclaimable years as an output.
Important Documents.
Powers of attorney, beneficiary designations, and estate paperwork in one folder, with completion tracking.
Family Loop.
The client decides what the children see, and they start using something the client chose.
Benefits Navigation.
A spouse can keep up to $162,660 before spending down for Medicaid, and veterans can qualify for up to $2,874 a month in Aid & Attendance (Medicaid Planning Assistance, 2026).
How to Bring CAEVO Into Your Practice
Three ways in, all of them light:
CAEVO does not provide investment, tax, or legal advice.
Model 1
Referral
You recommend CAEVO; clients subscribe directly. Simplest to start, no data sharing, no contract complexity.
Model 2
Sponsored Seats
The firm covers subscriptions for a client segment as a relationship benefit. Predictable cost, and the client experiences it as something you gave them.
Model 3
Co-branded practice offering
CAEVO sits inside your longevity or family office offering, with shared materials and a defined scope of what the firm does and does not see.
CAEVO does not provide investment, tax, or legal advice.
Why Long-Term Care Planning Software Belongs in Your Practice
Most practices address the investment side of retirement well. Fewer address what clients worry about most: becoming a burden on their own family. Bringing CAEVO in isn’t a new system to manage; the client runs their own hub. What you get is a clearer picture of their care trajectory, without taking on a second job as their care coordinator.
Every Crossing is Logged
United States Infrastructure
Encrypted in transit and at rest
Row level Access Control
Family Loop Consent Gate
The Family Record
Documents, Medication, Decisions
Client Data Stays With the Client
Advisor access to a client’s information is never automatic. It flows only through the permissions the client sets in the Family Loop, and the client can withdraw any of it at any time. There’s no data exchange for your compliance team to evaluate, since none happens unless the client chooses it.
Let's Find The Version Of This That Fits Your Practice.
You already spend hours chasing documents and waiting on families to make decisions, and none of it makes it onto an invoice.
Tell us what you do and roughly how many clients bring you caregiving or aging questions. We’ll show you where CAEVO takes work off your desk and how a referral works.
Built from lived experience.
We watched people we love care for people they love, through cancer, dementia, and a fall that changed everything overnight. That is why CAEVO exists.
As we watched our own parents age, we saw something bigger than caregiving. They wanted to live their lives more fully, and their families wanted to support them through every chapter. Plan early, and it is a conversation around the kitchen table.
Lauren Howard & Jon Howard · Co-founders
What families are saying — on both sides of care
Frequently Asked Questions
Is CAEVO for caregivers or for people planning their own aging?
Both. Every account has both hubs, and you can add and switch between more than one family, like a spouse’s parents and your own.
Is CAEVO free?
To start, yes. Essentials is free, always, for one person. It includes both libraries and the everyday tools on each side, with no credit card required.
Is my family's information safe?
Yes. It’s encrypted with bank-level, 256-bit security and stored on US infrastructure, and the person aging controls what’s shared. See how we protect your data
Will I see everything about my parent?
No, you see what they choose to share. That’s on purpose. It keeps CAEVO from feeling like it’s watching anyone.
Can CAEVO find benefits I qualify for?
It shows you the programs in your state and county, like waivers, transportation, meals, respite, and legal aid, across all 50 states and DC.
My advisor, attorney, home care agency, or community offered me CAEVO. Do I pay?
If your organization covers it, you don’t need a paid plan. Check with them, or contact us to confirm before you sign up for anything.
Stay Informed
The Conversation Nobody Wants to Have With Their Parents (and How to Start It)
Most families wait for a crisis to talk about aging. Here’s how to open the conversation before you’re forced to — and what to actually ask.
Sandwich Generation, Meet Your New To-Do List
Managing your kids’ schedules and your parents’ care at the same time isn’t a time-management problem — it’s a coordination problem. Here’s what that actually looks like.
The Conversation Nobody Wants to Have With Their Parents (and How to Start It)
Most families wait for a crisis to talk about aging. Here’s how to open the conversation before you’re forced to — and what to actually ask.
The Conversation Nobody Wants to Have With Their Parents (and How to Start It)
Most families wait for a crisis to talk about aging. Here’s how to open the conversation before you’re forced to — and what to actually ask.
A family that talks about aging early has more time to enjoy it.
CAEVO gives you the tools to start that conversation this week.
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