Longevity Planning Foundations Program
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Register
- Non-member - $299
- Member - $199
Clients are living longer, and the questions they bring to their advisors are changing. Decisions about health, housing, caregiving, and legal readiness now arrive in financial planning conversations, usually during a crisis, when options are narrowest and costs are highest.
This program introduces a structured approach to longevity planning built around five pillars of readiness: Health, Home & Community, Family & Support, Legal & Legacy, and Financial. Across the program, modules focus on each readiness pillar and follow a case study family through a decade, pausing at the moment a key life decision has to be made. Two practicing CFP professionals respond to that moment from their own experience, followed by instruction on the pillar and an interview with a subject matter expert in that field.
Advisors leave with the questions worth asking across each of the five areas, a framework for raising them before a crisis forces the issue, and a way to fold longevity review into an annual planning cadence. The program closes with a prioritized set of next steps and an opportunity to complete a longevity readiness assessment.
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Contains 9 Component(s)
Longevity questions are already showing up in client meetings.
Longevity questions are already showing up in client meetings. A new health diagnosis last month. A house that has become a lot to manage. An out-of-state parent who has started forgetting things. Most advisors listen and respond with real care, and then the conversation quietly ends there, because there is no obvious next question and nothing in the plan it clearly connects to.
This module is about what comes next. Advisors see where aging, caregiving, and housing decisions touch a financial plan, why a technically sound plan can still rest on assumptions no one has tested, and what raising these questions early does for a practice: deeper trust with the clients they have, a natural deepening of relationships with adult children who will inherit, and far fewer plans knocked off course by a decision made in a hurry. It introduces the five pillars of readiness and the questions that turn a passing remark into planning work and includes a conversation with two practicing CFP professionals on what this work has done for their own firms
At the end of this module, the financial advisor will be able to:
- Explain how longevity planning can strengthen client relationships
- Describe the business value of addressing care decisions proactively
- Recognize how health, housing, caregiving, and family decisions affect plan assumptions
- Explain the five-pillar readiness framework and how it fits existing planning conversations
Lauren Clough
Co-Founder and Chief Executive Officer
bQuest
Lauren Clough is the Co-Founder and Chief Executive Officer of bQuest, a care intelligence and coordination platform helping financial advisors and their clients navigate the complexities of aging, caregiving, end-of-life planning, and loss. Prior to founding bQuest, Lauren spent more than a decade at Dot Foods, the nation’s largest food industry redistributor, where she built expertise in business development, operations, and managing complex networks.
Lauren’s passion for transforming the experience of aging care is deeply personal. For more than 20 years, her family has navigated the challenges of Alzheimer’s disease, giving her firsthand insight into the emotional, logistical, and financial realities families face. She co-founded bQuest in 2022 to bring greater clarity, trusted expertise, and compassionate
Ranie Verby, CPA, CFP®
Director of Practice Management
Plancorp
Ranie Verby, CPA, CFP® is Director of Practice Management at Plancorp, where she leads advisor development, practice growth, and initiatives that strengthen the firm’s client experience. She joined Plancorp in 2019 after more than a decade in public accounting and financial services, bringing a unique combination of tax expertise, financial planning, behavioral finance, and client advocacy. Ranie also advises clients through complex financial and life transitions, with a particular passion for helping families plan thoughtfully for caregiving needs.
Ranie is a graduate of Southern Illinois University Carbondale, where she earned a Bachelor of Science in Accounting and a Master of Accountancy in Taxation. She received the SIUC College of Business Emerging Saluki Leadership Award and has remained actively involved with the university’s School of Accountancy. She is also involved in community organizations including COCA and has a longstanding commitment to developing talent and expanding access to financial education.
Sarah Mouser, CFP®, CDFA®, CES™, CTS™, CCFS®, ELA™
Executive Vice President of Financial Planning
Merit Financial Advisors
Sarah Mouser, CFP®, CDFA®, CES™, CTS™, CCFS®, ELA™ is Executive Vice President of Financial Planning at Merit Financial Advisors, bringing more than two decades of experience in the wealth management industry. She helps lead the firm’s financial planning platform, with a focus on strengthening planning infrastructure, developing advisor talent, and delivering a more comprehensive client experience. Her expertise spans estate and legacy planning, tax planning, and the financial and personal decisions families face as they age.
Sarah previously served on the Board of Directors of Insight Memory Care Center, where she held leadership roles as Treasurer and Finance Committee Chair. This experience deepened her commitment to helping families navigate the intersection of longevity, caregiving, cognitive decline, and financial planning. She believes financial advisors have an important role in helping families prepare earlier for healthcare and caregiving costs, housing transitions, and the complex conversations that accompany aging. A nationally recognized thought leader and frequent industry speaker, Sarah has been featured in publications including Barron’s, InvestmentNews, and Financial Planning. She also serves on financial planning advisory boards at Virginia Tech and George Mason University, supporting the next generation of financial planning professionals.
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Contains 9 Component(s)
When a client’s health changes, their advisor is often among the first people they call, and rarely the one with answers ready.
When a client’s health changes, their advisor is often among the first people they call, and rarely the one with answers ready. A hospital needs a decision by tomorrow morning, the family is not sure what to ask, and whatever gets decided in that window is difficult and expensive to undo later.
This module gives advisors a way to be useful in that moment, and well before it. It covers the early signals that a client’s health or capacity is shifting, the questions that reveal how care is really being provided and whether it can hold, and what each type of professional actually does, so an advisor knows who to call rather than guessing. It also covers which changes in health should prompt a fresh look at the assumptions underneath a plan, and where the advisor’s role ends. An aging life care professional
describes how advisors can meaningfully show up for their clients during health changes and when to seek additional support.
At the end of this module, the financial advisor will be able to:
- Recognize the subtle and obvious signals that a client’s health or capacity is changing
- Ask appropriate questions about how care is currently being provided
- Assess whether a family’s care arrangement is sustainable
- Identify the changes that should prompt a review of the financial plan
Kelly Baird
Co-Founder and Chief Operating Officer
bQuest
Kelly Baird is the Co-Founder and Chief Operating Officer of bQuest, a care intelligence and coordination platform connecting financial advisors and their clients with trusted professionals throughout the aging, caregiving, end-of-life, and loss journeys. With nearly two decades of experience leading partnerships and initiatives across public health, economic development, early childhood systems, and community development, Kelly brings a systems-level perspective and a deep commitment to building collaborative solutions that create lasting impact.
Kelly’s passion for transforming aging care is rooted in personal experience. As an adult daughter, caregiver, and crisis navigator for her parents and 99-year-old grandmother, she experienced firsthand the emotional and logistical challenges families face when navigating care without a clear guide. At bQuest, Kelly leads the development of a national ecosystem of vetted professionals, working to ensure families have access to compassionate, trusted support when they need it most.
Lina Supnet-Zapata, MBA, CMC, TxCG
CEO and Co-Owner
Mir Care Consultants
Lina Supnet-Zapata, MBA, CMC, TxCG is CEO and co-owner of Mir Care Consultants, where she leads a team providing Aging Life Care management, special needs support, and professional guardianship services. With more than 30 years of healthcare experience, Lina spent a decade in hospice as a Community Educator and Area Director, advocating for families and healthcare providers and helping them navigate the complexities of end-of-life care. Since joining Mir Care Consultants in 2013, she has expanded the firm’s services and reach while championing patient advocacy, consumer health education, and excellence in care.
Lina is a recognized leader in the Aging Life Care profession and currently serves as President-Elect of the Aging Life Care Association. She is also a Fellow of the Association’s Leadership Academy and serves on the boards of AGE of Central Texas and the Aging Life Care Association. Her leadership and commitment to older adults and family caregivers have earned her honors including the 2022 Joyce Lauck Legacy Award and Aging Life Care Association Member of the Year recognition.
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Contains 9 Component(s)
Very few clients want to talk about leaving a home they love, so the conversation tends to wait until a fall or a hospital discharge forces it.
Very few clients want to talk about leaving a home they love, so the conversation tends to wait until a fall or a hospital discharge forces it. By then the family is choosing between limited options in a matter of days, often selling in a hurry and spending more than they needed to.
This module equips advisors to raise housing early and productively. It separates what a modification can fix from what only a move can, looks at what changes for a household when a client stops driving, and what that asks of the people around them, and shows how to compare the real cost of staying with more support against the cost of moving. Advisors also learn to help a family name in advance the changes that would tell them it is time, which is what keeps the timing of a move inside the plan rather than outside it. An expert in housing and community options discusses what people most often regret about deciding too late.
At the end of this module, the financial advisor will be able to:
- Evaluate whether a client’s home and community still support their stated aging preference
- Distinguish what a home modification can solve from what only relocation can
- Help clients define in advance the changes that would prompt a move
Kelly Baird
Co-Founder and Chief Operating Officer
bQuest
Kelly Baird is the Co-Founder and Chief Operating Officer of bQuest, a care intelligence and coordination platform connecting financial advisors and their clients with trusted professionals throughout the aging, caregiving, end-of-life, and loss journeys. With nearly two decades of experience leading partnerships and initiatives across public health, economic development, early childhood systems, and community development, Kelly brings a systems-level perspective and a deep commitment to building collaborative solutions that create lasting impact.
Kelly’s passion for transforming aging care is rooted in personal experience. As an adult daughter, caregiver, and crisis navigator for her parents and 99-year-old grandmother, she experienced firsthand the emotional and logistical challenges families face when navigating care without a clear guide. At bQuest, Kelly leads the development of a national ecosystem of vetted professionals, working to ensure families have access to compassionate, trusted support when they need it most.
Scott Fischer, BSN, CDP, CDPS
Founder
Options for Senior Living
Scott Fischer, BSN, CDP, CPRS, is the founder of Options for Senior Living and a senior care industry leader with more than 30 years of healthcare experience. A graduate of Arizona State University with a Bachelor of Science in Nursing, Scott founded Options for Senior Living in 2003 to help older adults and their families navigate the often complex decisions surrounding senior care and housing. Drawing on his nursing background and extensive experience in senior living placement, he helps families evaluate care needs, explore housing options, understand costs and funding strategies, and make informed decisions that support their loved ones' well-being and quality of life.
Beyond his work with families, Scott has played a significant role in advancing professional standards and ethical practices within the senior living referral industry. He is the co-founder and past president of the Professional Association of Senior Referral Specialists (PASRS) and helped extend those efforts nationally through the formation of the National Placement and Referral Alliance (NPRA). In 2019, he co-founded Senior Resource Connectors, an organization dedicated to connecting older adults and their families, particularly adult children, with education, resources, and support. A lifelong learner and passionate educator, Scott remains committed to empowering families with the knowledge and guidance they need to navigate aging-related decisions with confidence.
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Contains 9 Component(s)
Nearly every retirement plan contains a caregiving assumption, and almost none of them say so. A spouse will manage.
Nearly every retirement plan contains a caregiving assumption, and almost none of them say so. A spouse will manage. A daughter will step in. When that assumption fails, it usually fails quickly, and the cost lands on two generations at once.
This module helps advisors find that assumption and test it before it breaks. It covers what day-to-day caregiving actually requires, how to identify who the plan is counting on and whether proximity, employment, and their own health make it workable, and what happens when the caregiver becomes the person needing care. It also addresses the adult child coordinating from a distance, often invisibly, and what that role costs in income, hours, and their own retirement savings, which is frequently the advisor’s opening with the next generation. A professional caregiving provider discusses caregiver strain and when informal support needs reinforcement.
At the end of this module, the financial advisor will be able to:
- Describe what day-to-day caregiving actually involves
- Identify who the financial plan assumes will provide care
- Assess whether that person is willing, able, and close enough to do it
- Recognize when informal support needs professional help
- Explain how caregiving affects the adult child’s own financial plan
Kelly Baird
Co-Founder and Chief Operating Officer
bQuest
Kelly Baird is the Co-Founder and Chief Operating Officer of bQuest, a care intelligence and coordination platform connecting financial advisors and their clients with trusted professionals throughout the aging, caregiving, end-of-life, and loss journeys. With nearly two decades of experience leading partnerships and initiatives across public health, economic development, early childhood systems, and community development, Kelly brings a systems-level perspective and a deep commitment to building collaborative solutions that create lasting impact.
Kelly’s passion for transforming aging care is rooted in personal experience. As an adult daughter, caregiver, and crisis navigator for her parents and 99-year-old grandmother, she experienced firsthand the emotional and logistical challenges families face when navigating care without a clear guide. At bQuest, Kelly leads the development of a national ecosystem of vetted professionals, working to ensure families have access to compassionate, trusted support when they need it most.
Scott Viscomi, MBA
Midwest Area Sales Manager
TheKey
Scott Viscomi, MBA is Midwest Area Sales Manager for TheKey, the nation’s largest premium provider of private-duty home care. He leads strategic growth and relationship development across the Chicago, Milwaukee, and Michigan markets, helping families access the care and support needed for older adults to age safely and with dignity at home. Scott brings more than two decades of senior executive experience across healthcare, home care, and consumer industries.
Throughout his career, Scott has held leadership roles including President of North America for Train Alta, Managing Director of Adidas Combat Sports, and Vice President of Sales & Marketing for Alliance MMA, the first publicly traded MMA organization. He is known for building high-performing teams, developing mission-driven partnerships, and advocating for older adults
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Contains 9 Component(s)
Clients who say their documents are done are usually telling the truth, and often still unprotected.
Clients who say their documents are done are usually telling the truth, and often still unprotected. The agent named years ago has since died, no successor was appointed, assets pass through the wrong document, or nobody can find the originals on the day a decision cannot wait. What follows is often a legal process that costs a family months and several thousand dollars.
This module shows advisors how to spot those failures while there is still time to fix them. It covers the life events that should trigger a document review, the practical failure modes that only surface under pressure, and how digital assets and account access now complicate estate administration. It is also clear about
scope: what an advisor can appropriately do, including collecting documents, understanding what they say, and flagging concerns, and where the attorney takes over. An elder law and estate technology expert walks through what breaks most often in practice, and why.
At the end of this module, the financial advisor will be able to:
- Identify the life events that should prompt a review of estate documents
- Explain why a document that exists can still fail when a family needs it
- Describe how digital assets and account access affect estate administration
- Articulate what an advisor can appropriately do without giving legal advice
Kelly Baird
Co-Founder and Chief Operating Officer
bQuest
Kelly Baird is the Co-Founder and Chief Operating Officer of bQuest, a care intelligence and coordination platform connecting financial advisors and their clients with trusted professionals throughout the aging, caregiving, end-of-life, and loss journeys. With nearly two decades of experience leading partnerships and initiatives across public health, economic development, early childhood systems, and community development, Kelly brings a systems-level perspective and a deep commitment to building collaborative solutions that create lasting impact.
Kelly’s passion for transforming aging care is rooted in personal experience. As an adult daughter, caregiver, and crisis navigator for her parents and 99-year-old grandmother, she experienced firsthand the emotional and logistical challenges families face when navigating care without a clear guide. At bQuest, Kelly leads the development of a national ecosystem of vetted professionals, working to ensure families have access to compassionate, trusted support when they need it most.
David Haughton, J.D., CPWA®
Vice President of Engagement
Hargrove
David Haughton, J.D., CPWA® is Vice President of Engagement at Hargrove, where he helps financial advisors and wealth management firms make estate planning a more accessible and actionable part of the client relationship. His career spans private-practice estate planning law, advanced financial planning, wealth management, and estate planning technology. Most recently, he served as Vice President of Estate Planning at Carson Group, following roles as Senior Corporate Counsel at Wealth.com and Team Lead of Advanced Planning at Commonwealth Financial Network.
David is also a frequent writer, speaker, and educator on estate planning, regularly contributing to industry publications and participating in podcasts and webinars. He is licensed to practice law in Massachusetts and New Hampshire and holds the Certified Private Wealth Advisor® designation. His work focuses on helping advisors integrate estate planning into comprehensive financial advice and making the process more practical for the families they serve.
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Contains 10 Component(s)
This is the pillar advisors already own, and the one where everything else eventually shows up as a number.
This is the pillar advisors already own, and the one where everything else eventually shows up as a number. Paid help that begins long before anyone calls it long-term care. A move that needs cash before a house sells. A multi-year care event that arrives in the same year as a market decline.
This module connects the preceding four pillars to the plan itself. Advisors examine what an extended care event changes in cash flow and liquidity, and which funding sources are available to meet it, including what each one assumes about timing and eligibility. It also covers the gap between the coverage a family believes they have and the coverage that has actually been verified. Advisors consider how to plan for a surviving spouse whose income, household, and likely care needs have all changed at once, which is where many plans quietly stop working. Two healthcare navigation experts discuss what families most misjudge about funding.
At the end of this module, the financial advisor will be able to:
- Identify what a multi-year care event changes in a financial plan
- Describe the funding sources available for extended care
- Explain how the preceding four pillars change plan inputs
Kelly Baird
Co-Founder and Chief Operating Officer
bQuest
Kelly Baird is the Co-Founder and Chief Operating Officer of bQuest, a care intelligence and coordination platform connecting financial advisors and their clients with trusted professionals throughout the aging, caregiving, end-of-life, and loss journeys. With nearly two decades of experience leading partnerships and initiatives across public health, economic development, early childhood systems, and community development, Kelly brings a systems-level perspective and a deep commitment to building collaborative solutions that create lasting impact.
Kelly’s passion for transforming aging care is rooted in personal experience. As an adult daughter, caregiver, and crisis navigator for her parents and 99-year-old grandmother, she experienced firsthand the emotional and logistical challenges families face when navigating care without a clear guide. At bQuest, Kelly leads the development of a national ecosystem of vetted professionals, working to ensure families have access to compassionate, trusted support when they need it most.
Anne McGuire, BS-RN, CCM
Founder and President
Healthcare Pathfinder
Anne McGuire, BS-RN, CCM is the Founder and President of Healthcare Pathfinder, a health and long-term care insurance advice, advocacy, and management firm. A Registered Nurse and Certified Case Manager, Anne brings more than 35 years of healthcare experience spanning emergency medical services, surgical trauma, intensive care, home care, managed care, and insurance advocacy. She founded Healthcare Pathfinder to help individuals and families understand their coverage, navigate complex healthcare systems, manage claims, and advocate for the care and benefits they deserve.
Anne’s commitment to helping families is also deeply personal. She has navigated the healthcare and caregiving needs of her own parents, experiences that continue to shape her compassionate approach to client advocacy. She is a member of the Case Management Society of America, the Alliance of Professional Healthcare Advocates, and the American Geriatrics Society, and serves as a trustee of At Home In Darien, supporting older adults who want to remain independent in their homes and communities.
Ryan Bivins
Head of Sales
Covr Financial Technologies
Ryan Bivins is Head of Sales at Covr Financial Technologies, where he leads national sales strategy, strengthens carrier and distribution partnerships, and supports the growth of Covr’s insurance distribution platform. With more than two decades of experience in insurance distribution and long-term care solutions, Ryan began his career at Lincoln Financial Group on the MoneyGuard team before joining Pacific Life, where he spent more than 12 years helping launch and scale its hybrid long-term care platform. He advanced through roles from Long-Term Care Specialist to Divisional Manager and ultimately National Sales Manager.
Most recently, Ryan served as Specialty Markets Leader at John Hancock, where he helped expand distribution of its LifeCare linked-benefit solution. Throughout his career, he has built strong relationships across insurance carriers, financial advisors, and institutional partners, combining deep industry knowledge with a collaborative leadership style. At Covr, Ryan is focused on building high-performing teams, advancing innovative insurance distribution, and helping financial professionals better integrate protection solutions into the planning process for the individuals and families they serve.
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Contains 17 Component(s), Includes Credits
The last module is about implementation.
The last module is about implementation. Which clients to approach first, what to say when the conversation opens, and how to make longevity planning a standing part of a practice rather than something an advisor means to get to.
Advisors create an actionable ninety-day path for integrating longevity planning into their client meeting schedule. It also covers how to scope an urgent conversation so a family in crisis is not asked to make every decision at once. The module closes with an opportunity to take a longevity readiness assessment, and the graded assessment for CE credit.
At the end of this module, the financial advisor will be able to:
- Construct a prioritized longevity action plan for a specific client
- Describe an annual review cadence that keeps longevity planning current
- Identify which client segments to approach first
Lauren Clough
Co-Founder and CEO
bQuest
Lauren Clough is Co-Founder and CEO of bQuest, a Longevity Planning and Care Coordination solution purpose-built for financial services. bQuest partners with wealth management firms, RIAs, and family offices to help families navigate aging, caregiving, end-of-life, and after-loss transitions.
Drawing on more than a decade leading within her family’s global logistics business, Lauren brings deep expertise in scaling complex systems. Her leadership is also shaped by her family’s multigenerational Alzheimer’s journey, which exposed the gaps between financial planning and aging care. Her mission is to make longevity planning and care coordination a standard client service within financial services.Ranie Verby, CPA, CFP®
Director of Practice Management
Plancorp
Ranie Verby, CPA, CFP® is Director of Practice Management at Plancorp, where she leads advisor development, practice growth, and initiatives that strengthen the firm’s client experience. She joined Plancorp in 2019 after more than a decade in public accounting and financial services, bringing a unique combination of tax expertise, financial planning, behavioral finance, and client advocacy. Ranie also advises clients through complex financial and life transitions, with a particular passion for helping families plan thoughtfully for caregiving needs.
Ranie is a graduate of Southern Illinois University Carbondale, where she earned a Bachelor of Science in Accounting and a Master of Accountancy in Taxation. She received the SIUC College of Business Emerging Saluki Leadership Award and has remained actively involved with the university’s School of Accountancy. She is also involved in community organizations including COCA and has a longstanding commitment to developing talent and expanding access to financial education.
Sarah Mouser, CFP®, CDFA®, CES™, CTS™, CCFS®, ELA™
Executive Vice President of Financial Planning
Merit Financial Advisors
Sarah Mouser, CFP®, CDFA®, CES™, CTS™, CCFS®, ELA™ is Executive Vice President of Financial Planning at Merit Financial Advisors, bringing more than two decades of experience in the wealth management industry. She helps lead the firm’s financial planning platform, with a focus on strengthening planning infrastructure, developing advisor talent, and delivering a more comprehensive client experience. Her expertise spans estate and legacy planning, tax planning, and the financial and personal decisions families face as they age.
Sarah previously served on the Board of Directors of Insight Memory Care Center, where she held leadership roles as Treasurer and Finance Committee Chair. This experience deepened her commitment to helping families navigate the intersection of longevity, caregiving, cognitive decline, and financial planning. She believes financial advisors have an important role in helping families prepare earlier for healthcare and caregiving costs, housing transitions, and the complex conversations that accompany aging. A nationally recognized thought leader and frequent industry speaker, Sarah has been featured in publications including Barron’s, InvestmentNews, and Financial Planning. She also serves on financial planning advisory boards at Virginia Tech and George Mason University, supporting the next generation of financial planning professionals.
Upon completion of the program, the financial advisor will be able to:
- Apply a repeatable longevity planning framework across health, housing, family support, legal readiness, and financial readiness.
- Initiate proactive longevity conversations using specific questions and language that uncover planning gaps, assumptions, and risks before a crisis forces the issue.
- Evaluate how health, housing, caregiving, and family support decisions affect the financial plan, including care costs, insurance considerations, family resources, and assumptions about future support.
- Recognize the different planning needs of clients and adult children, including the financial impact of informal caregiving and the opportunity to strengthen multigenerational relationships.
- Determine when outside expertise is needed, evaluate appropriate professionals, and make a coordinated handoff while maintaining the advisor’s role in the client relationship.
- Create a prioritized longevity action plan and annual review cadence that makes longevity planning a consistent, repeatable part of the financial planning process.
Competency Level: Foundational
FPA Competency: Critical Thinking, Client Communication and Care, Interpersonal Impact
CFP Board Topic: Retirement General Principles of Financial Planning
CFP Board CE Credit Hours: 4
Most advisors encounter care questions for the first time in a phone call they did not expect: a fall, a diagnosis, an adult child asking what to do next. In those moments, clients are looking to their advisor for guidance.
This program helps advisors prepare for those conversations before they happen. Across the five pillars of longevity readiness, they learn what questions to ask, how to uncover gaps before they become urgent, how longevity decisions affect the financial plan, and when to bring in the right outside expert.
The goal is not to make advisors aging care, housing, healthcare, or legal experts. It is to give them the language, framework, and resources to confidently guide the conversation, connect clients with the right help when needed, and make longevity planning a natural, repeatable part of the client relationship.
Lauren Clough — bQuest
Lauren Clough is the Co-Founder and Chief Executive Officer of bQuest, a care intelligence and coordination platform helping financial advisors and their clients navigate the complexities of aging, caregiving, end-of-life planning, and loss. Prior to founding bQuest, Lauren spent more than a decade at Dot Foods, the nation’s largest food industry redistributor, where she built expertise in business development, operations, and managing complex networks.
Lauren’s passion for transforming the experience of aging care is deeply personal. For more than 20 years, her family has navigated the challenges of Alzheimer’s disease, giving her firsthand insight into the emotional, logistical, and financial realities families face. She co-founded bQuest in 2022 to bring greater clarity, trusted expertise, and compassionate support to families and the advisors who serve them.
Ranie Verby, CPA, CFP — Plancorp
Ranie Verby, CPA, CFP® is Director of Practice Management at Plancorp, where she leads advisor development, practice growth, and initiatives that strengthen the firm’s client experience. She joined Plancorp in 2019 after more than a decade in public accounting and financial services, bringing a unique combination of tax expertise, financial planning, behavioral finance, and client advocacy. Ranie also advises clients through complex financial and life transitions, with a particular passion for helping families plan thoughtfully for caregiving needs.
Ranie is a graduate of Southern Illinois University Carbondale, where she earned a Bachelor of Science in Accounting and a Master of Accountancy in Taxation. She received the SIUC College of Business Emerging Saluki Leadership Award and has remained actively involved with the university’s School of Accountancy. She is also involved in community organizations including COCA and has a longstanding commitment to developing talent and expanding access to financial education.
Sarah Mouser, CFP — Merit Financial Advisor
Sarah Mouser, CFP®, CDFA®, CES™, CTS™, CCFS®, ELA™ is Executive Vice President of Financial Planning at Merit Financial Advisors, bringing more than two decades of experience in the wealth management industry. She helps lead the firm’s financial planning platform, with a focus on strengthening planning infrastructure, developing advisor talent, and delivering a more comprehensive client experience. Her expertise spans estate and legacy planning, tax planning, and the financial and personal decisions families face as they age.
Sarah previously served on the Board of Directors of Insight Memory Care Center, where she held leadership roles as Treasurer and Finance Committee Chair. This experience deepened her commitment to helping families navigate the intersection of longevity, caregiving, cognitive decline, and financial planning. She believes financial advisors have an important role in helping families prepare earlier for healthcare and caregiving costs, housing transitions, and the complex conversations that accompany aging. A nationally recognized thought leader and frequent industry speaker, Sarah has been featured in publications including Barron’s, InvestmentNews, and Financial Planning. She also serves on financial planning advisory boards at Virginia Tech and George Mason University, supporting the next generation of financial planning professionals.
Kelly Baird — bQuest
Kelly Baird is the Co-Founder and Chief Operating Officer of bQuest, a care intelligence and coordination platform connecting financial advisors and their clients with trusted professionals throughout the aging, caregiving, end-of-life, and loss journeys. With nearly two decades of experience leading partnerships and initiatives across public health, economic development, early childhood systems, and community development, Kelly brings a systems-level perspective and a deep commitment to building collaborative solutions that create lasting impact.
Kelly’s passion for transforming aging care is rooted in personal experience. As an adult daughter, caregiver, and crisis navigator for her parents and 99-year-old grandmother, she experienced firsthand the emotional and logistical challenges families face when navigating care without a clear guide. At bQuest, Kelly leads the development of a national ecosystem of vetted professionals, working to ensure families have access to compassionate, trusted support when they need it most.
Lina Supnet-Zapata, MBA, CMC, TxCG — Mir Care Consultants
Lina Supnet-Zapata, MBA, CMC, TxCG is CEO and co-owner of Mir Care Consultants, where she leads a team providing Aging Life Care management, special needs support, and professional guardianship services. With more than 30 years of healthcare experience, Lina spent a decade in hospice as a Community Educator and Area Director, advocating for families and healthcare providers and helping them navigate the complexities of end-of-life care. Since joining Mir Care Consultants in 2013, she has expanded the firm’s services and reach while championing patient advocacy, consumer health education, and excellence in care.
Lina is a recognized leader in the Aging Life Care profession and currently serves as President-Elect of the Aging Life Care Association. She is also a Fellow of the Association’s Leadership Academy and serves on the boards of AGE of Central Texas and the Aging Life Care Association. Her leadership and commitment to older adults and family caregivers have earned her honors including the 2022 Joyce Lauck Legacy Award and Aging Life Care Association Member of the Year recognition.
Scott Fischer, BSN, CDP, CPRS — Options for Senior Living
Scott Fischer, BSN, CDP, CPRS, is the founder of Options for Senior Living and a senior care industry leader with 40 years of healthcare experience. A graduate of Arizona State University with a Bachelor of Science in Nursing, Scott founded Options for Senior Living in 2003 to help older adults and their families navigate the often complex decisions surrounding senior care and housing. Drawing on his nursing background and extensive experience in senior living placement, particularly dementia care, he helps families evaluate care needs, explore housing options, and make informed decisions that support their loved ones' well-being and quality of life.
Beyond his work with families, Scott has played a significant role in advancing professional standards and ethical practices within the senior living referral industry. He is the co-founder and past president of the Professional Association of Senior Referral Specialists (PASRS) and a founding board member of the National Placement and Referral Alliance (NPRA), helping establish national guidelines and professional certification standards. In 2021, he co-founded Senior Resource Connectors to provide education and support to families navigating aging-related challenges. More recently, Scott integrated the research-based Right Care Methodology into his practice, helping families use data-driven insights to determine whether aging in place or transitioning to senior living is the most appropriate option. A lifelong learner and educator, Scott remains committed to empowering families with the knowledge and guidance they need to make care decisions with confidence.
Scott Viscomi, MBA — TheKey
Scott Viscomi, MBA is Midwest Area Sales Manager for TheKey, the nation’s largest premium provider of private-duty home care. He leads strategic growth and relationship development across the Chicago, Milwaukee, and Michigan markets, helping families access the care and support needed for older adults to age safely and with dignity at home. Scott brings more than two decades of senior executive experience across healthcare, home care, and consumer industries.
Throughout his career, Scott has held leadership roles including President of North America for Train Alta, Managing Director of Adidas Combat Sports, and Vice President of Sales & Marketing for Alliance MMA, the first publicly traded MMA organization. He is known for building high-performing teams, developing mission-driven partnerships, and advocating for older adults and their families. Scott also serves as President of the Lake East Chapter of the Illinois Continuity of Care Association, furthering his commitment to strengthening connections across the senior-care community.
David Haughton, J.D., CPWA® — Hargrove
David Haughton, J.D., CPWA® is Vice President of Engagement at Hargrove, where he helps financial advisors and wealth management firms make estate planning a more accessible and actionable part of the client relationship. His career spans private-practice estate planning law, advanced financial planning, wealth management, and estate planning technology. Most recently, he served as Vice President of Estate Planning at Carson Group, following roles as Senior Corporate Counsel at Wealth.com and Team Lead of Advanced Planning at Commonwealth Financial Network.
David is also a frequent writer, speaker, and educator on estate planning, regularly contributing to industry publications and participating in podcasts and webinars. He is licensed to practice law in Massachusetts and New Hampshire and holds the Certified Private Wealth Advisor® designation. His work focuses on helping advisors integrate estate planning into comprehensive financial advice and making the process more practical for the families they serve.
Anne McGuire, BS-RN, CCM — Healthcare Pathfinder
Anne McGuire, BS-RN, CCM is the Founder and President of Healthcare Pathfinder, a health and long-term care insurance advice, advocacy, and management firm. A Registered Nurse and Certified Case Manager, Anne brings more than 35 years of healthcare experience spanning emergency medical services, surgical trauma, intensive care, home care, managed care, and insurance advocacy. She founded Healthcare Pathfinder to help individuals and families understand their coverage, navigate complex healthcare systems, manage claims, and advocate for the care and benefits they deserve.
Anne’s commitment to helping families is also deeply personal. She has navigated the healthcare and caregiving needs of her own parents, experiences that continue to shape her compassionate approach to client advocacy. She is a member of the Case Management Society of America, the Alliance of Professional Healthcare Advocates, and the American Geriatrics Society, and serves as a trustee of At Home In Darien, supporting older adults who want to remain independent in their homes and communities.
Ryan Bivins — Covr Financial Technologies (add to module 6 only)
Ryan Bivins is Head of Sales at Covr Financial Technologies, where he leads national sales strategy, strengthens carrier and distribution partnerships, and supports the growth of Covr’s insurance distribution platform. With more than two decades of experience in insurance distribution and long-term care solutions, Ryan began his career at Lincoln Financial Group on the MoneyGuard team before joining Pacific Life, where he spent more than 12 years helping launch and scale its hybrid long-term care platform. He advanced through roles from Long-Term Care Specialist to Divisional Manager and ultimately National Sales Manager.
Most recently, Ryan served as Specialty Markets Leader at John Hancock, where he helped expand distribution of its LifeCare linked-benefit solution. Throughout his career, he has built strong relationships across insurance carriers, financial advisors, and institutional partners, combining deep industry knowledge with a collaborative leadership style. At Covr, Ryan is focused on building high-performing teams, advancing innovative insurance distribution, and helping financial professionals better integrate protection solutions into the planning process for the individuals and families they serve.