Most families don't think about home care services until a crisis hits. On Metcalf Money Moment, Jeb, Ethan, and Eric welcome Brad Haag of A Place at Home to guide families through the often-confusing world of senior care planning. Brad shares the telltale signs that a loved one needs help, from fall prevention concerns to early dementia care symptoms, and explains how to fund care through long-term care insurance, veterans benefits, and smart financial planning. Whether you are the sandwich generation or planning for yourself, this episode delivers clear, practical answers that could protect your family and your finances.What you will Learn in this Episode:✅ What home care services actually include and how non-medical home care differs from skilled home health services so that you can make the right choice for your aging loved one without confusion.✅ How to spot the early warning signs that a parent needs help, including fall prevention red flags, dementia care symptoms, and changes in daily behavior that signal it is time to take action. Recognizing the Signs for Needed Care - When to Step in with Aging Parents✅ The funding options available to cover senior care planning costs, including how long-term care insurance policies work, when veterans' benefits apply, and why most home care services are private pay.Tune into the Metcalf Money Moment podcast for expert insights on wealth management and retirement planning! Join Jeb, Ethan, and Eric for practical Estate Planning strategies that you can implement to unlock financial clarity and confidence. Listen now to inspire your financial journey!TIMESTAMPS: 00:00 Introduction to non-medical home care services and how A Place at Home customizes care for each client's needs05:28 The credentials behind home care staff and what families should expect from certified caregivers entering the home07:15 Why reviewing power of attorney paperwork early is one of the most critical steps in senior care planning11:21Brad Haag shares how falling is one of the first warning signs families notice in aging parents and why it matters13:55 Breaking down long-term care insurance, Medicare benefits, Medicaid, and veterans' benefits as funding options for home care18:47 Real-life example of long-term care insurance paying out and the importance of understanding your policy benefitsKEY TAKEAWAYS: 💎 Power of attorney paperwork can quickly become outdated. Brad discovered his own parents had documents more than 20 years old naming an attorney who had since retired, leaving the family without legal decision-making authority in a medical crisis. Review and update these documents now, before an emergency forces the issue.💎 Long-term care insurance is frequently misunderstood. Many families believe these policies apply only to nursing home placement, but they can also cover home care services.💎 Funding senior care rarely comes from a single source. A smart combination of private pay, veterans benefits, long-term care insurance, and creative financial planning can make quality care achievable and sustainable without draining family resources.ABOUT THE GUEST: Brad Haag is a healthcare and business professional with nearly 30 years of leadership experience. He owns and operates A Place At Home Kansas City South, a non-medical in-home care provider serving seniors in the Kansas City area. A Kansas native, Brad holds an undergraduate degree from the University and an M.B.A. from Pepperdine University. His passion for compassionate care was sparked while working with hospice patients, where he recognized the need for better in-home support for both seniors and caregivers. That insight led him to open A Place At Home in Overland Park, where he aims to deliver professional, people-centered care to the community.In-Home Senior Care & Support for Kansas City South FamiliesRecognizing the Signs for Needed Care - When to Step in with Aging ParentsMetcalf Partners - WebsiteJeb Graham - LinkedInEthan Hutchison - LinkedInEric Wymore - LinkedInDISCLAIMER:This information is not intended to be a substitute for specific individualized tax or legal advice. We recommend discussing your particular situation with a qualified tax or legal advisor.