Most of us hope to age gracefully, staying healthy and independent.
But here’s the reality: nearly 70% of people turning 65 will need long-term care at some point. For women, the odds are even higher.

And yet—long-term care is one of the least planned-for parts of retirement.

Lately, I’ve had more and more conversations with friends, clients, and even my own family about parents who suddenly need more help than anyone expected. These talks are hard. They touch on independence, dignity, and finances—all at once.

But here’s the thing: waiting makes it harder. Starting the conversation now makes it easier.

On September 6th, my mom, Ann, turns 80 years old. It’s a milestone that has me reflecting not only on her incredible life, but also on the quiet ways women shape our world for the better—often without fanfare or spotlight.