We can help you to understand best practices in each of the following challenge areas and get you through the process with less anxiety and confusion.

Every life has a series of DecisionDays™— those days when pivotal decisions are made that affect everything else going forward. We’re here to help you refine your decisions: the what, when, where, and how of a smooth transition through the aging process.

These decisions can be tricky, time-consuming, and overwhelming, but we’ve helped many people through this before. Having A Game Plan for Aging™ is essential for a seamless transition through life’s journey.

Here are just some of the items that may be in your Game Plan:

  • Describing what’s important to you regarding quality of life
  • Advance directives regarding care locations, powers of attorney and health decisions
  • How to best utilize Social Security and other retirement plans
  • A DecisionDay™ about transportation—when does it make sense to let others do the driving?
  • What are the conditions by which your chosen agents step in on your behalf when you can no longer act?

We can see you through any and all of these processes until your Game Plan is securely in place.

  • Housing & Transportation Plans

    Exploring options and timing that work best for your unique situation.

  • Caregiving Plans

    Determining who your most appropriate caregivers shall be, what each will be responsible for and when each caregiver should step in for you.

  • Finances

    Creating decision makers and securing trust.

  • Inform Standard Legal Documents

    Provide guidelines that assist your agents, trustees, caregivers and advisors to fulfill your goals and desires.

  • Fraud & Abuse Protection

    Develop advanced protocols to minimize the risk of fraud and abuse.

  • Family Harmony

    Steps to avoid family conflict.

“My mom had long-term care insurance, and needed to use it from age 79-85. My stepmother the same.  My father and mother-in-law needed it, but didn’t have it, and spent hundreds of thousands on care at the end of their lives.

For these reasons, my husband and I decided to purchase long-term care insurance.  Gretchen Messenger helped us through the process, doing research for us, and aiming us toward policies that are high quality, and at the same time, affordable.  In the 10 years since, we have both retired and retained a financial advisor.  He reviewed our policy, and stated it was an excellent one worth keeping. Many others are not, according to him, who we consider a neutral party.

Oftentimes during the past years, we’ve had questions about the policy, the payments, and the paperwork.  Gretchen has always been there for us, year after year, helping us through the process.  We’re glad we made the purchase when we did…and from whom we did”

-Robbie C.

“Twenty years ago, in 2005, my husband and I both purchased long term care policies from Gretchen Messenger. We had no way of knowing what the future would bring. But we knew that our own parents had benefited greatly from their long term care policies.

Gretchen was a helpful advisor that day in 2005. Over the ensuing twenty years, we had various questions about the policy and about the premiums. Gretchen hadn’t forgotten about us, and was always readily available to help.

And now the time has come for my husband to need long term care. I was at a loss for how to process a claim. Gretchen shepherded me through the process, re-read our policy after these many years, and found very good news for us. She called John Hancock on several occasions on our behalf to clarify benefits.

And today we are reaping the satisfaction of having my husband’s care covered financially. None of us buys insurance, hoping we will ever have to use it. We don’t buy homeowners insurance hoping our house will burn down so we can make a claim. And we don’t buy long term care insurance hoping we will need it. But it is very likely that we all will, and now our family’s time has come.

My sense is that Gretchen is not only an talented and experienced professional,  but is also a caring person by nature… one who is willing to help above and  beyond. We are grateful and relieved that we have Gretchen on our side!”


We offer one-to-one consultation to help you identify specific tasks on your Game Plan to-do list.

Who’s Watching Mom? Inc. prides itself on providing individualized planning based on YOUR needs, wishes and desires. We listen and observe carefully to understand your situation in full so that we can provide the best possible solutions.

We start with a free consultation during which we will assess your situation and determine if there is a fit between us; what you need and what we can provide for you. If we agree to work together at the first meeting and agree to a fee arrangement, we also discuss the scope of the project, “homework”, and future schedule of tasks to complete. A Game Plan for Aging™ involves numerous DecisionDays™ and may take several meetings to complete.

Our services are charged on an hourly basis. Creating a Game Plan for Aging™ can take time and energy. We feel strongly that the money spent up front will save you thousands of dollars on the “other end”.

Ready to start A Game Plan for Aging™