Continuing Care Retirement Communities: What They Cost, How They Work, and When to Start Preparing
The U.S. is in the middle of a sustained demographic shift. More than 61 million adults are aged 65 and older as of 2025, and that number is projected to reach approximately 82 million by 2050. Every day until 2030, roughly 10,000 Baby Boomers will turn 65.1,2
And the care infrastructure that served previous generations is under pressure: staffing shortages, cost considerations, and longer lifespans are converging in ways that make decisions more complex than they have ever been.
Against that backdrop, we find that one of the most consequential financial decisions our clients face is also one that can be overlooked: where and how they will live as their care needs evolve in their 70s, 80s, and beyond.