About Capital Care 360: Financial Resilience Planning

Capital Care 360 began with a simple question: Why do households plan decades ahead for retirement, but often only one year at a time for healthcare planning? That mismatch is no longer sustainable. We are living longer, and the U.S. population is aging. Healthcare costs are extending deeper into retirement, impacting financial health. Even insured families are increasingly exposed to medical debt, changes in coverage, and out-of-pocket shocks. At the same time, health risk does not wait for annual enrollment. It builds quietly, affects income, changes savings needs, and can reshape retirement planning before families realize their options are narrowing. Capital Care 360 was created to close that gap. Our goal is to give households a clearer way to see how health, capital, and coverage interact — so they can prepare earlier, adjust smarter, and stay financially resilient as life changes.

Help families maintain their financial health and stay resilient as life changes. We are developing a new planning layer that coordinates healthcare planning, capital, and coverage to address both today’s needs and tomorrow’s retirement planning goals.