St. George Village, Roswell, GA -Continuing Care Retirement Community – On Location!


St. George Village in Roswell, GA is the FIRST Life Plan/Continuing Care Retirement Community in Roswell. Not sure how big a deal that is, frankly, but that’s what the sign says!

Anyway, I broke out my brand new Go Pro Session and man oh man, is this thing awesome. I’m going to get the hood mount so next time you can see the scenery almost like Google street view. It’s going to be awesome.

I love the “live” looks, actually. So, hope this shows some of the scenery, moreso than just the sales brochure.

If there is a place you want me to shoot, let me know.

Anyway, take a look around as I drive though the community.

I will post another video on the pricing as well.

A couple links to the youtube channel I mentioned during the video.

Episode #64 – Talking CCRC’s with Brad Breeding, CEO of


In this episode, we interview Brad Breeding the Co-Founder and CEO of which is the premier website for all kinds of information about CCRCs.

Just a ton of free information for consumers, advisors, even communities. Like the Consumer Guide To Evaluating CCCs, which I highly encourage everyone to get. It’s free folks!  Get it here.

Brad and I discuss the history of CCRC’s. The issues they face if they are a not-for profit. And, most importantly, the viability of CCRCs with an aging population. How do you price the fees accordingly to make sure you are well-capitalized to take on the risks inherent with providing long term care?

The first thing Brad recommends to anyone considering a CCRC is to see if they have an agreement with an actuarial company that provides analysis. If the CCRC does not, how exactly are they pricing future costs?

That is a critical, maybe the most critical, factor to consider when it comes to choosing a CCRC. Will they be there when you need them most?

The Long Term Care Insurance industry shined a light on what can happen if longevity risk is mis-priced.  Try buying a policy today from Penn Treaty or Genworth. Not going to happen.  Market mistakes cost those companies dearly.

So, you want to make sure the same thing doesn’t happen to you, especially given this is probably the biggest expense you’ll ever make.

Do your research.  Seek help in your analysis if you need.  But whatever you do, don’t just read the glossy sales brochure.  You need to dive in deeper than that. is THE place to start.

Episode #61: Learn About The Villages In Florida With Skip Smith


You’ve heard of The Villages in central Florida, no? Of course you have.

But what exactly is The Villages? In this episode we answer ALL those questions. From the temperature, to the landscape, to the community, the costs etc…

If The Villages is on your horizon as a place to retire, you’re going to want to listen to this podcast.

You can visit Skip’s Youtube page at Don’t forget to subscribe too once you’re there!

Continuing Care Retirement Community – Magnolia Trace, Alabama


Continuing Care Retirement Communities can be found in every area of the United States.

In this video we analyze the Magnolia Trace CCRC in Huntsville, Alabama.

There are five different options plus a one year “look in” of sorts where you can try the community out without putting down an entrance fee.

Magnolia Trace Pricing

I’ll share with you the current pricing for their Royale I and II. THis is a 1572 sq. foot 2 bedroom unit with a den. We’re also assuming a couple is moving in. The monthly fee is includes a lot of utilities with one chef prepared meal a day. (You need to see what else comes with the fee or is missing).

Life Care Premium: Entrance fee $315,000 – $340,000 monthly fee $4670

Asset Preservation: $250,000 – $275,000 / $5250

Income Preservation $ 365,000 – $400,000 / $4360

Life Care 50 (you get a 50% refund to your estate)
$440,000 – $475,000 / $5100

Now the one I like best is the Modified Life Care where if you have.