Fee-Only Retirement & Long-Term Care Financial Planning

Serving Pittsburgh, Pennsylvania & Clients Nationwide

I provide flat-fee, fee-only financial planning for individuals and families navigating retirement and long-term care decisions.

When retirement income, health changes, and care costs begin intersecting, financial decisions become more complex — and the stakes get higher.

I help you understand the financial impact before you move forward.

Caregiving and aging-related decisions often introduce:

• Rising long-term care costs

• Shifting retirement withdrawals

• Changes in tax exposure

• Medicare premium increases (IRMAA)

• Long-term care insurance claims, benefit coordination, and cash flow timing

• New financial responsibilities for adult children

Many families delay decisions not because they lack commitment — but because they lack financial clarity.

That’s where structured financial guidance matters.

What I Help With

Through AdviceOnly, I provide unbiased, fee-for-service financial advice to help you:

Evaluate Long-Term Care Costs

Understand how long assisted living, home care, or other care options are financially sustainable.

Structure Retirement Withdrawals

Coordinate withdrawals across IRAs, brokerage accounts, pensions, and Social Security with tax and Medicare considerations in mind.

Integrate Insurance, Benefits & LTC Claims Support

Clarify how long-term care insurance coverage applies, when benefits trigger, how elimination periods work, and how reimbursements affect real-world cash flow.

I also assist families in understanding and navigating the long-term care insurance claims process so financial decisions align with how benefits are actually paid and structured.

Protect Your Own Retirement

Ensure caregiving decisions today do not quietly undermine your long-term financial security.

Coordinate Financial Roles

Help families understand who is stepping in financially — and whether the plan remains sustainable over time.

Caregiving decisions affect both the person receiving care and the person providing it.

When financial structure is missing, strain accumulates.

My role is to connect retirement income, care costs, taxes, and insurance so you understand what each decision truly means — financially and practically.

Experience & Background

I am Scott P. Bown, MBA, CFP®, LTCCP®, a Certified Financial Planner™ with more than 25 years of experience in retirement planning, insurance, tax-aware withdrawal strategy, and wealth management.

I have also served as Power of Attorney and Executor for family members, giving me firsthand experience navigating the financial and emotional realities of long-term care decisions — including coordinating and evaluating long-term care insurance benefits and claims.

This work is not about products.

It is about clarity.

Who I Typically Work With

• Individuals in their 60s and 70s preparing for potential future care needs

• Families evaluating assisted living or home care affordability

• Adult children stepping into financial oversight for a parent

• Caregivers balancing work, retirement savings, and rising care costs

• Clients in Pittsburgh and throughout Pennsylvania seeking fee-only retirement and long-term care planning

If retirement, long-term care, or caregiving decisions are creating uncertainty, a structured financial conversation can help clarify your options.