Senior FinancialConcierge ServicesOngoing help with everyday financial responsibilities, at a level that fits how much you want to handle yourself. We agree on the scope, permissions, and cost before work begins.
$300/month
For people who manage most tasks themselves and want regular reviews, reminders, and follow-up.
$500/month
For people who want more hands-on administration across bills, records, medical billing questions, and follow-through.
We agree on responsibilities and permissions before work begins.
| Support | Essential — $300/month | Concierge — $500/month |
|---|---|---|
| Level of help | Regular reviews, reminders, and follow-up for clients who manage most tasks themselves | More hands-on help with everyday financial responsibilities |
| Bills and account activity |
|
|
| Records and paperwork | Financial mail sorting and periodic reviews to help keep information current | Ongoing organization of incoming financial mail, statements, and records |
| Medical bills and insurance | Identify paperwork or questions needing attention during agreed reviews | Track medical bills, help clarify discrepancies, follow up with providers or insurers, and assist with long-term care claim paperwork |
| Personalized reminders | Up to 5 active reminders | Up to 20 active reminders |
| Updates and coordination | A concise summary of completed work and items needing attention | More detailed reporting and coordination with authorized family members and professionals |
| Included tools | Everplans digital vault, Monarch, and SFCS-paid EverSafe Plus | Everplans digital vault, Monarch, and SFCS-paid EverSafe Gold |
For reminders, choose your monthly report, text, email, or a combination. With your permission, designated family members or caregivers can receive them too. Paper-based support is welcome.
Separately priced: transition assistance, special projects, and estate/executor assistance. Limited financial POA requires a separate engagement.
Don’t see a package that fits? We can design one around your needs, with scope and price agreed before work begins.
Automated alerts are paired with scheduled human review. SFCS reviews relevant alerts during regularly scheduled financial reviews, brings concerns to your attention, and follows through within your agreed plan and authorization. Concierge Support includes additional assistance coordinating responses to suspicious activity with authorized contacts.
Both monthly plans include Everplans digital vault for organizing important documents and information, plus Monarch for tracking accounts, spending, and cash flow. Essential Support includes SFCS-paid EverSafe Plus; Concierge Support includes SFCS-paid EverSafe Gold, with no additional subscription charge.
Your monthly service includes EverSafe Plus, providing automated financial fraud monitoring, identity theft protection, and credit monitoring. SFCS reviews relevant alerts as part of your regularly scheduled financial reviews.
Includes EverSafe Gold, with expanded monitoring of investment and retirement accounts, three-bureau credit monitoring, and additional SFCS assistance coordinating responses to suspicious financial activity.
SFCS does not provide 24/7 human monitoring. Automated monitoring does not guarantee prevention or detection of fraud.
You do not need to use these apps yourself. We help set them up and use them as appropriate within your agreed permissions. If you prefer paper, we can review information with you and provide printed reports. Digital tools are available when helpful; they are not required to receive our support.
We agree on responsibilities, review frequency, communication, and permissions before work begins. Your money and decisions remain under your control.
Get reminders for the things you want help remembering—from property taxes and vehicle registration to changing air filters and scheduling seasonal maintenance.
Your preferences. You choose what to track, when to be reminded, and how to receive reminders: in your monthly report, by text, by email, or a combination. With your permission, reminders can also be sent to a family member, caregiver, or another person you designate.
Included reminders. Essential Support includes up to 5 active personalized reminders; Concierge Support includes up to 20. Reminders can also cover SFCS meetings, requested documents, signatures, approvals, and agreed follow-up tasks.
We help compare bills with insurance explanations of benefits, identify discrepancies, clarify billing questions, and follow up with providers and insurers—with your authorization.
For long-term care insurance claims, we help gather supporting documents, track submissions and benefit payments, and follow up on requests for additional information. You receive updates on what has been resolved, what is outstanding, and anything that needs your attention. Complex claims or formal appeals may require a separately agreed scope or a specialist.
Support within your agreed scope can include budget and cash-flow reviews, tracking outstanding matters, maintaining financial and estate records, reviewing online-account inventories and authorized access, and following up with institutions and professionals.
Regular summaries show work completed, upcoming responsibilities, and decisions needing your attention. With your written permission, updates can also go to designated family members or professionals.
Payments require written authorization and an agreed approval policy. Fraud monitoring can flag concerns but cannot prevent or guarantee detection of fraud. Access remains limited to what is needed for authorized services.
Discuss monthly supportBill payment within broader oversight includes up to 8 bill payments per month with Essential Support or up to 15 with Concierge Support, while tracking related records, due dates, and questions. Payments require written authorization and an agreed approval policy.
Comprehensive bill pay may include routine payment administration under a written authorization and approval policy.
Fraud awareness and account oversight may help identify activity that needs attention, but cannot prevent or guarantee detection of fraud. Suspected concerns are brought to the client’s attention and, when authorized, coordinated with designated family, the financial institution, or an appropriate professional.
Medical billing support focuses on organization, tracking, and routine follow-up. Complex claims or formal appeals may require a separate scope of service.
Included tools. Everplans digital vault is complimentary with the Family Ready and both monthly plans. Monarch is included with both monthly plans. Essential Support includes SFCS-paid EverSafe Plus; Concierge Support includes SFCS-paid EverSafe Gold, with no additional subscription charge. SFCS does not provide 24/7 human monitoring.
Outside costs. Other software or outside-professional costs, when applicable, are discussed separately.
Essential Support remains $300/month with up to 5 personalized reminders. Concierge Support remains $500/month with up to 20.
Included monitoring. Essential Support includes SFCS-paid EverSafe Plus; Concierge Support includes SFCS-paid EverSafe Gold, with no additional subscription charge. Relevant alerts are reviewed during regularly scheduled financial reviews, with additional response-coordination assistance under Concierge Support. SFCS does not provide 24/7 human monitoring.
Agreed scope. We agree on the tasks, permissions, review frequency, and cost; transition and executor assistance may require a separately priced engagement.
Ongoing bill payment requires written authorization and the agreed approval policy. Claims disputes and estate administration are not included in the one-time Family Ready 360° price. SFCS provides administrative support and does not serve as executor or provide legal, tax, investment, or insurance advice.
Wayne Creef | (757) 815-6453 | wayne@seniorfinancialconcierge.com
Bring important records, contacts, and practical instructions together for you and the people you choose.
$500one time
Per household, including both spouses.
A practical foundation with guided organization of the first three folders and one additional folder you choose, plus basic Everplans digital vault setup and limited selected-document upload assistance.
$1,500one time
Per household, including both spouses and Family Ready.
Comprehensive guided organization across all 14 folders, with broader record gathering, selected scanning, uploads, and digital organization.
Already have Family Ready? Upgrade to Family Ready 360° for $1,000. No separate Family Ready purchase is required before choosing 360°.
$500 per household, including both spouses
Build a practical foundation for your records and the people you may rely on. Your package includes the complete 14-folder file box and basic Everplans digital vault setup, with limited selected-document upload assistance.
Two meetings, with organization work between them. Target completion is 2–3 weeks, depending on your pace, availability and records. Complete the remaining folders yourself or arrange further help.
Let’s get startedFacing an immediate issue? Contact us to discuss the right starting point.
$1,500 per household, including both spouses
A thorough, guided review of your full financial and household information, organized across all 14 folders and your Everplans digital vault. We work through accounts and bills, taxes, insurance and medical records, estate and legal document locations, after-death instructions, property, vehicles, contacts and digital access arrangements.
Plan for 4–6 meetings, with target completion in 8–12 weeks at your pace. Timing depends on available records and outside follow-up. Family Ready is included; no separate purchase is required.
Already have Family Ready? Upgrade to Family Ready 360° for $1,000.
Both packages include the complete 14-folder file box and an Everplans digital vault, and cover one household, including both spouses. Ongoing support is optional.
See what belongs in all 14 folders →
| Included support | Family Ready | Family Ready 360° |
|---|---|---|
| Household price | $500, including both spouses | $1,500, including Family Ready and both spouses |
| Physical system | Complete box with 14 labeled color-coded folders | Complete box with 14 labeled color-coded folders, comprehensively organized with guidance |
| Emergency and financial continuity | First folder: contacts and document locations for a short ER or hospital stay. Second folder: account and bill summaries, household cash-flow map, and ongoing-help arrangements. Separate Take to Hospital sheets stay at the front of the box. | Everything in Family Ready, integrated with your broader financial, legal, household, and personal information |
| Guided organization | the first folder for a short ER or hospital stay, the second for ongoing financial and household responsibilities, the third for financial accounts, ownership, beneficiaries and a dated net worth snapshot, plus one additional folder you choose. Complete the remaining folders yourself or arrange further help. | Comprehensive guided organization across all 14 folders, selected scanning, and documented follow-up |
| Everplans digital vault | Basic setup and essential orientation for each spouse, with limited selected-document upload assistance | Selected information and documents organized with original-document locators and sharing preferences |
| Meetings and target timing | Two meetings, with organization work between them; target 2–3 weeks | 4–6 meetings; target 8–12 weeks |
| Financial Accounts | Account titling and beneficiary records, plus a dated net worth statement | The foundation integrated with broader records and follow-up |
| Helper handoff | Tested helper walkthrough, written unresolved items, and a life-change update checklist | Family/deputy walkthrough of the comprehensive system and documented follow-up |
| Beneficiary Check and Follow-Up | Current primary/contingent records; missing, deceased, or outdated names flagged; action owner and follow-up; professional advice for choices | Deeper coordination involving ownership and the estate plan with your qualified professionals |
| Digital Readiness | Basic scam education, secure access/recovery instructions and optional EverSafe introduction when Digital Life & Password Instructions is your chosen additional folder | Guided help with up to four core accounts; the work and time needed are agreed case by case. Includes recovery information, MFA, supported legacy contacts, basic spam-call settings and junk-mail reduction guidance. Extra or complex work is quoted separately. |
Already have Family Ready? Upgrade to Family Ready 360° for $1,000.
Timing depends on your pace, availability, records and outside follow-up.
Family Ready is not a required separate purchase before choosing 360°. Originals remain with you. Paper-only support is welcome.
Ongoing bill payment, claims disputes, and estate administration are separate from these one-time packages.
The physical box and Everplans digital vault complement each other. Paper keeps essential information close at hand; Everplans digital vault provides a permission-based roadmap and selected digital records. Paper-only support is welcome.
$500 per household, including both spouses. The full physical 14-folder system is included.
Meetings and included work. Two meetings, with organization work between them, include the cash-flow map, account titling and beneficiary review, and a dated net worth statement. Basic Everplans digital vault setup and limited selected-document upload assistance are included.
Target timing. Target completion is 2–3 weeks, at your pace and depending on your availability and records. Outside confirmations are tracked as follow-up items.
$1,500 total per household, including Family Ready.
Comprehensive organization. A thorough, guided review across all 14 folders brings accounts and bills, taxes, insurance and medical records, estate and legal document locations, after-death instructions, property, vehicles, contacts and digital access arrangements into one coordinated system.
Record gathering and digital organization. We help gather and organize relevant records, scan selected documents at home or take readable digital pictures, and organize selected uploads in your Everplans digital vault. Your complete file box and digital vault connect key documents, information and the locations of originals.
Meetings and target timing. Plan for 4–6 meetings and target completion in 8–12 weeks, at your pace and depending on records and outside follow-up. Family Ready is not a required separate purchase. Originals stay with you.
Helper handoff. Review the system and sharing preferences with you and, if you wish, a chosen family member or helper. Document unresolved questions, next steps, responsible people and follow-up dates.
Includes up to four core accounts, focusing on primary email and Apple/Google accounts. We agree on the work and time needed case by case.
With you present and controlling your credentials, we review recovery phone/email and multifactor authentication (MFA), help with supported recovery or legacy-contact setup, review basic spam-call settings, and provide junk-mail reduction guidance.
Extra accounts, lockouts, complex recovery, migration, or cleanup are quoted separately. Deeper beneficiary coordination involving ownership or your estate plan is handled with your attorney, financial advisor, or other qualified professionals.
Family Ready 360° is a one-time organization package. Ongoing bill payment, claims disputes, and estate administration are separate services with their own agreed scope and cost.
If you need both readiness and transition assistance, we agree on the combined scope and fee to account for overlapping work.
Each service can be tailored to the client’s priorities, comfort level, and need for one-time or ongoing support.
Regular review of incoming information, records, obligations, open issues, and authorized payments—with reporting and follow-through.
Learn more →OrganizationA clear record of documents, accounts, beneficiaries, contacts, and wishes—plus practical administrative support for executors.
Learn more →Administrative helpOrganize statements, EOBs, and long-term care claim records; track balances, submissions, payments, and follow-up needs.
Learn more →One-time assistancePractical administrative support for carrying out a move or life change, quoted separately.
Learn more →Prepare for a moveFor $500 per household, compare current income and expenses with costs from up to two communities and identify questions about any monthly funding gap. Additional scope is quoted separately.
Learn more →One-time help for a clearly defined, limited project, such as setting up one filing routine, a simple budget tracker, or a specific bill-management process. We agree on the task, deliverables, and cost before work begins, then provide a practical handoff.
For a broader review and organization of your financial life, start with the $500 Family Ready.
Software subscriptions or third-party fees are discussed separately.
Discuss a small project →Additional support for a move, a change in responsibilities, or estate administration.
Best for an older adult or family preparing for a move to senior living or another change in care.
Practical administrative support for carrying out a move or life change: organize records and move-related financial tasks, track billing changes, and coordinate authorized follow-through.
Best for an executor or family who needs practical help organizing the financial and administrative details of an estate.
The initial engagement brings order to the estate and creates a clear path forward.
Ongoing executor assistance is available after the initial organization process. Additional assistance is billed based on scope and complexity.
Senior Financial Concierge Services provides administrative and organizational support to the executor and does not serve as executor, attorney, tax advisor, or investment advisor. Estate assistance does not confer POA authority.
Talk about this service →Executor administrative support is organizational and administrative assistance. Senior Financial Concierge Services does not serve as the executor or provide legal representation, tax preparation, or estate-planning advice.
Senior living transition support may include cost organization, education about potential resources, scenario comparisons, recommended administrative next steps, and coordination with qualified professionals. It does not include arranging loans, selling insurance, preparing benefit claims, recommending investments or care settings, or providing legal, tax, insurance-product, lending, investment, or benefits-eligibility advice.
Scope and responsibilities are agreed before work begins. Family Ready is $500 per household, including both spouses; Family Ready 360° is $1,500 per household including Family Ready; Essential Support is $300/month; Concierge Support is $500/month. Small Project Assistance starts at $300, Transition Assistance is quoted separately, and Estate & Executor Assistance starts at $750. Your services may be adjusted over time as your needs change.
Important information should be easy for you—and the people you authorize—to find. Both packages include a complete 14-folder file box and an Everplans digital vault. Choose how you use them; the package difference is the amount of guided help.
A physical file organizer keeps related records in clearly labeled folders, with the hospital information sheet first and the short-stay emergency guide immediately behind it. It is available to review in your home without an app.
The file box is included with both packages. We record where important originals are kept and walk through the system with you.
Everplans digital vault organizes important information, selected document copies, contacts, and instructions digitally. We help set up access for the people you authorize.
Digital vault setup is included with both packages. Family Ready includes limited selected-document upload assistance; broader scanning and uploading belong in Family Ready 360°. Original documents remain with you.
Family Ready: guided organization of the first three folders and one additional folder, with basic digital vault setup and limited selected-document upload assistance.
Family Ready 360°: comprehensive guidance across all 14 folders, including broader record gathering, selected scanning, uploads and digital organization.
Paper-only support is welcome. Both packages include the digital vault; you choose whether to use it and who may have access.
Immediately behind each person’s TAKE TO HOSPITAL sheet, this folder guides a helper through an ER visit or a hospital stay of a couple of days:
This roadmap helps people locate information. It does not itself authorize transactions or grant legal authority.
Physical folders organize your records at home. Everplans digital vault can hold selected copies and information for authorized access. The emergency roadmap connects the two by explaining where records are kept and how designated people may access them. We review the system with you and agree on how to keep it current.
Secure digital access: instructions identify where access information is kept and how an authorized person can obtain it through agreed secure arrangements. The roadmap does not display passwords, master passwords, Social Security numbers, or full account numbers. Access follows each provider’s authorized process.
The physical organizer gives each kind of information a clear home. Both packages include all 14 physical folders. Family Ready guides the first three folders plus one additional folder you choose; Family Ready 360° provides comprehensive guidance across the full system.
Presentation graphics illustrate the system; they are not photographs of a client’s records. These descriptions explain the folder structure. Legal authority and provider access are arranged separately.
For clients who need SFCS to act as their agent under a limited financial power of attorney, this service provides financial administration within specifically defined written authority. This is a separate engagement from Essential Support or Concierge Support.
Services begin only after the scope is agreed, attorney-approved documents and appropriate insurance are in place, and the relevant institutions accept the authority. Availability and suitability are discussed individually.
Limited POA is an individually arranged option with a separate written engagement. It does not continue after death.
Discuss authorized supportAccounts and funds remain in the client’s name. A phone call, email, or text alone is not sufficient approval for an unusual transaction; verification uses previously agreed trusted contact details and procedures.
This service does not include investment decisions, discretionary gifts, beneficiary or ownership decisions, real estate transactions, borrowing, or unrestricted asset control. Administrative follow-through on a client’s or authorized representative’s instructions is considered separately with the relevant institution and professional.
POA Coordination remains a separate service: We can help your existing agent and attorney obtain forms, track requirements, and follow up on institutional acceptance without being appointed as your agent.
Bring important documents, account and beneficiary information, trusted contacts, and personal wishes into a clear, accessible record. Help the people you choose understand what exists, where to find it, and whom to contact when help is needed.
We organize the information with you and help keep it current as accounts, documents, relationships, and circumstances change. With your permission, we coordinate follow-up with family members, your attorney, financial advisor, and other professionals.
Start with a focused organizing project or include updates and follow-through in your ongoing service plan. Scope and cost are agreed before work begins.
Explore estate & legacy supportDon’t see a package that fits your needs? We will work with you to design a package around the help you need, with the scope and price agreed before we begin.
Your introductory conversation is complimentary and confidential. You do not need to choose a package before we talk.