Module 6 — Financial Readiness
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.
Key:
Complete
Next
Failed
Available
Locked