About Us

The inspiration for the Lifecare Affordability Plan (LCAP™) was born of founder Tom West’s experience working with families facing a new and life-changing medical diagnosis. In Tom’s capacity as a financial advisor and long-term care insurance broker, the families he met with were often overwhelmed by the complexities of lifecare, health insurance, and Medicare and Medicaid regulations.

These caregivers faced significant expenses that affected their own quality of life and even their financial security. Tom recognized that between the many complexities – which ranged from practical to emotional – the decision-making process was fraught, and often stalled out completely. What these families needed was a plan, one that included consideration of their holistic reality – including family, health, financial dynamics and more – as well as their hopes and fears for the future. The Lifecare Affordability Plan is an answer to the need for a realistic and actionable plan that helps families feel back in control of their financial lives.