Clarity Financial Solutions helps women plan for long-term care with innovative planning technology

Women are often the caregivers in their families, helping aging parents, spouses and loved ones navigate long-term care decisions. Yet many never stop to ask an important question: Who will care for me?

Clarity Financial Solutions is helping answer that question by incorporating Waterlily, an AI-powered long-term care planning platform, into its retirement planning process. The technology helps clients better understand their potential future care needs, estimate long-term care costs and explore strategies to prepare for one of retirement’s most significant financial risks.

According to the U.S. Department of Health and Human Services, nearly 70% of adults age 65 and older will need some form of long-term care during their lifetime. Women are especially impacted—not only because they are more likely to serve as caregivers, but also because they typically live longer and are more likely to require extended care themselves.

“Many women spend years caring for others while putting their own future on the back burner,” said Amanda Stilwell, Founder and Financial Advisor at Clarity Financial Solutions. “Long-term care planning isn’t just about protecting your finances—it’s about preserving your independence, reducing stress on your family and making your wishes known before a crisis occurs.”

Unlike traditional planning tools that rely on broad averages, Waterlily uses artificial intelligence to analyze a client’s health history, family background, finances, age and geographic location to create a personalized projection of future care needs. In seconds, the platform estimates when care may be needed, the type of care that is most likely, projected costs and funding strategies that can help prepare for those expenses. The technology also recognizes that more than 90% of people prefer to receive care at home and models how family caregivers may play a role in that journey. (CBS News)

“Artificial intelligence doesn’t replace financial planning—it enhances it,” Stilwell said. “Instead of making decisions based on national averages or assumptions, we’re able to have much more personalized conversations. It helps clients understand what their future could realistically look like and gives them time to plan before long-term care becomes an urgent need.”

By incorporating predictive technology into retirement planning, Clarity Financial Solutions is helping clients better understand how long-term care could affect retirement income, legacy goals and family finances.

“One of the biggest mistakes we see is waiting until a health event forces the conversation,” Stilwell said. “Planning earlier gives families more choices, more flexibility and greater peace of mind.”

While long-term care planning benefits everyone, Clarity Financial Solutions encourages women—who often balance careers, caregiving responsibilities and retirement planning simultaneously—to make this conversation part of their overall financial strategy.

To learn more about Clarity Financial Solutions, visit https://clarityfinsolutions.com.

About Clarity Financial Solutions

Clarity Financial Solutions provides personalized financial guidance focused on retirement strategies, wealth preservation and insurance planning. By simplifying complex financial concepts, the firm helps clients make informed decisions aligned with their long-term goals.

Clarity Financial Solutions is a dba of The Wealth Boutique, a registered investment advisor with the Securities and Exchange Commission. The Wealth Boutique and each of the DBAs are not under common ownership. All financial planning and advisory services are provided by The Wealth Boutique. All investments involve risk and unless otherwise stated, are not guaranteed. Be sure to consult with a tax professional before implementing any investment strategy.