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SilverBeacon – 30-60-90 Day Aging Readiness Coaching Checklist

Person 1 (P1)

Person 2 (P2), if a couple

Lead Coach

Primary Caregiver / Agent

Day 1

Kickoff & intake

Date

Day 30

Phase 1 review: Protect

Date

Day 60

Phase 2 review: Organize

Date

Day 90

Phase 3 review: Plan

Date

Who has a copy

Number each copy and list who holds it. The original may stay with the senior, a family member or an agent.

Copy #	Name	Relationship / Role	Phone	Where it is kept	Date given
1 (original)
2
3
4

What we will cover

Phase 1: Protect Days 1 – 30

Legal Authority, Health & Medical, Family & Support Circle, Home & Daily Life — Immediate Safety, Fraud & Financial Protection, Digital & Personal Records — Essentials

Phase 2: Organize Days 31 – 60

Estate & Legal Planning, Financial Life, Insurance & Benefits, Digital & Personal Records, Home & Daily Life — Property, Caregiver Network & Sustainability

Phase 3: Plan Days 61 – 90

Health & Medical — Ongoing Care, Home & Daily Life — Aging in Place, Cognitive & Social Health, Future Care Preferences, Transition Planning, Family Decision Framework, Fraud & Financial Protection — Ongoing, Maintenance & Handoff

Important: keep private details out of this checklist

This checklist tracks whether something is done and what happens next. It is meant to be shared with family and brought to coaching sessions, so do not write sensitive information on it, including:

Social Security, bank, credit card, brokerage or insurance policy numbers
Passwords, PINs, security answers, alarm or gate codes, safe combinations
Medicare or medical record numbers, diagnoses or medication details

Write where the information is kept instead (for example, "In Life Record binder, tab 4" or "In password manager"). Keep the details themselves in the SilverBeacon Life Record or another secure place.

Check with a professional

SilverBeacon Aging Readiness Coaching helps you get organized and coordinate with your own advisors. It is not legal, tax, financial, insurance or medical advice. The descriptions in this checklist are general guidance, and laws, forms and benefit rules vary by state and change over time. Before you sign, change or rely on any document, account or care decision, confirm it with a qualified professional such as an attorney, CPA, financial advisor, insurance agent, physician, pharmacist or nurse. Items marked Needs must be completed or reviewed by one.

P1 / P2 boxes	not started / in progress ✓ done N/A does not apply. For a shared item (a joint account, the house), mark both boxes.
★ Critical	Finish in this phase, or carry it to the top of the next phase.
Needs	Must be completed or reviewed with the licensed professional named.
Architecture tag	Your People Your Affairs Your Wellbeing Decision Systems
Gaps & Action Plan	What is missing and the next step. Write where details are kept, never the details themselves.

Close the gaps that cause the most harm in a sudden crisis: who can legally act, what a responder needs to know, immediate fall and fire hazards, and the fastest fraud protections. 19 items, 15 critical.

P1	P2	Item & What "Done" Looks Like	Gaps Found & Action Plan	Who	Due
Legal AuthorityYour People
		★Durable Power of Attorney — FinancialSigned and notarized; successor agent named; includes real estate, tax, retirement-account, digital-asset and trust-funding powers. Reviewed within the last 5 years.Needs: Attorney
		★Healthcare Power of Attorney / AgentPrimary and successor healthcare agents named. In California this is usually part of the Advance Health Care Directive.Needs: Attorney
		★Living Will / Treatment InstructionsEnd-of-life treatment preferences written down (life support, tube feeding, comfort care). Often in the same Advance Directive form.
		★HIPAA AuthorizationSeparate signed release naming the agents and family members providers may share medical information with.
		POLST / MOLST (if serious illness or frailty)Medical order signed with physician, NP or PA; original on the fridge or bedroom door for EMS. Mark N/A if not yet appropriate.Needs: Physician
		★Agents Informed & Documents DistributedEach agent has accepted the role and knows where originals are. Copies given to primary doctor (scanned into chart) and filed with banks and brokerages.
Health & MedicalYour Wellbeing
		★Emergency Medical SummaryOne page: diagnoses, allergies, medications, doctors, insurance, code status, agent contacts. Copy on the fridge (File of Life) and Medical ID set on the smartphone.
		★Complete Medication ListEvery Rx, OTC, vitamin and supplement with dose, schedule, prescriber and purpose. Brown-bag review booked with the physician, pharmacist or nurse.Needs: Physician, Pharmacist or Nurse
		Doctor Directory & Patient Portal AccessPCP and all specialists listed. Agent given proxy access to the patient portal where available.
Family & Support CircleYour People
		★Emergency Contact List (Tier 1 & Tier 2)Primary and backup contact, one designated emergency point of contact, trusted neighbor with key, out-of-state contact. Printed and shared.
		★Decision-Maker & Binder Location KnownFamily knows who the primary decision-maker is and where the readiness binder and original documents are kept.
Home & Daily Life — Immediate SafetyYour Wellbeing
		★Fall-Hazard Quick Fixes (CDC STEADI)Loose rugs, cords and clutter cleared from walkways; night lights bedroom-to-bathroom; handrails on both sides of stairs; grab bars (not towel bars) at toilet and tub.
		★Smoke & CO DetectorsWorking on every level and outside sleeping areas; tested; fire extinguisher in kitchen.
		Emergency Response ReadinessMedical alert / fall-detection device in place or decided against; house number visible from street; lockbox or key access for responders.
Fraud & Financial ProtectionDecision Systems
		★Credit Freeze at All Three BureausFree freezes placed at Equifax, Experian and TransUnion; PINs and logins stored securely.
		★Account Alerts & Trusted ContactTransaction alerts on bank, credit card and investment accounts. Trusted Contact Person named at brokerages and banks that offer it.
		★Scam Defense Rules AgreedFamily code word set; 24-hour rule for unexpected requests; never pay by gift card, wire, crypto or cash courier. Do Not Call registry and phone spam filter on. Elder Fraud Hotline 1-833-372-8311 saved.
Digital & Personal Records — EssentialsYour Affairs
		Vital Information SheetFull legal name, DOB, Medicare and insurance ID numbers, driver's license, organ-donor status. Shared copies show only the last 4 digits of the SSN.
		★Smartphone & Primary Email AccessPhone passcode and main email recovery method stored where the agent can reach it. Losing these locks the family out of most accounts.

Day 30 checkpoint

P1 items done

of 19

P2 items done

of 19

Critical items still open

Carried to next phase

Next session date

Notes

Build the full administrative picture: estate structure, every account and policy, digital access, property records and the support network that keeps the household running. 29 items, 10 critical.

P1	P2	Item & What "Done" Looks Like	Gaps Found & Action Plan	Who	Due
Estate & Legal PlanningYour Affairs
		★Will — Current & ExecutedSigned and witnessed; executor and alternate named and informed. A will alone does not avoid probate.Needs: Attorney
		★Revocable Living Trust & Funding AuditSuccessor trustee named and informed. Deeds, brokerage and bank accounts actually titled to the trust; pour-over will and certification of trust on file. Mark N/A if no trust.Needs: Attorney
		★Beneficiary Designation AuditPrimary and contingent beneficiaries confirmed on 401(k), IRA, annuities, life insurance, POD/TOD accounts and TOD deeds. Consistent with the estate plan; no ex-spouse or deceased beneficiaries.
		Asset Titling Review (couples)How each major asset is held: joint, community property with right of survivorship, separate property or trust. Mark N/A if individual.Needs: Attorney
		Estate Plan Review DateAttorney contact on file; documents reviewed within 5 years and after any marriage, divorce, death, move or major asset change.Needs: Attorney
Financial LifeYour Affairs
		★Master Account InventoryAll checking, savings, brokerage, retirement, pension and annuity accounts: institution, owner, approximate value, beneficiary. Safe deposit box location, key and authorized signers.
		Income Streams & RMDsSocial Security (my Social Security account created), pensions, annuities. Required minimum distributions scheduled (age 73, or 75 if born 1960 or later).Needs: CPA
		Debts & LiabilitiesMortgage, reverse mortgage, HELOC, auto loans, credit cards (including cards to close). Lender contacts listed.
		★Bills & Automatic PaymentsList of every recurring bill, due date, payment method and paying account. Agent can view statements; property-tax and insurance-premium dates on the calendar.
		Tax RecordsLast 3 years of returns minimum (7 if losses or bad debt claimed); CPA contact; cost-basis records for home and investments kept permanently.Needs: CPA
		Professional Advisor NetworkEstate attorney, CPA, financial advisor, insurance agent listed, with written permission for each to speak with the agent.
Insurance & BenefitsYour Affairs
		★Medicare & Health CoveragePart A/B, Part D or Medicare Advantage, Medigap: plan, insurer, ID numbers, copies of cards. Annual Open Enrollment review (Oct 15 – Dec 7) on the calendar.
		Long-Term Care InsurancePolicy number, daily benefit, elimination period, benefit triggers, claims contact. Third-party lapse-notice designee named. Mark N/A if none.
		Life Insurance & AnnuitiesEvery policy listed with carrier, number, face amount and beneficiaries. Lost-policy search (NAIC locator) if anything is uncertain.
		Home, Auto & UmbrellaHomeowners or renters (earthquake/flood considered), auto, umbrella: policy numbers, agent, renewal dates, coverage adequacy checked.
		Veterans BenefitsDD-214 located, VA file number, enrolled benefits; Aid & Attendance eligibility checked. Mark N/A if not a veteran.
Digital & Personal RecordsYour Affairs
		★Password Manager or Secure LedgerAll device PINs and account logins in one secure system with emergency access set up for the agent.
		Platform Legacy SettingsApple Legacy Contact, Google Inactive Account Manager, Facebook legacy contact configured; 2FA backup codes stored.
		Online Accounts & Subscriptions InventoryBanking, Medicare.gov, SSA, utilities, streaming and memberships listed for monitoring or cancellation.
		★Vital Documents RepositoryBirth certificate, SS card, marriage/divorce decrees, passport, naturalization papers, DD-214: originals in a fire-resistant safe, copies in binder.
		Photos & Digital MemoriesCloud or external backup in place; family knows how to access.
Home & Daily Life — PropertyYour Wellbeing
		Real Property RecordsDeeds, mortgage or reverse-mortgage papers, HOA contact and bylaws, property-tax account.
		★Keys, Codes & Safe AccessKey inventory and who holds spares; alarm, gate and garage codes; home-safe combination stored securely.
		Utility Shut-Offs & AccountsMain water, gas and electrical panel located and labeled; utility account numbers listed.
		VehiclesTitles, registration, insurance, loans, spare keys. TOD beneficiary on registration considered (available in California).
Caregiver Network & SustainabilityYour People
		Home Services DirectoryTrusted handyman, plumber, electrician, HVAC, locksmith, yard care and housekeeping on file.
		Professional Care ContactsVetted home-care agency, geriatric care manager (Aging Life Care), local Area Agency on Aging.
		★Primary Caregiver & Backup PlanPrimary caregiver named and their limits discussed honestly; backup if they become unavailable; burnout risk reviewed.
		Pet Care ContingencyVet contact, care instructions and an emergency pet guardian named. Mark N/A if no pets.

Day 60 checkpoint

P1 items done

of 29

P2 items done

of 29

Critical items still open

Carried to next phase

Next session date

Notes

Look ahead: health maintenance, the home and daily function over time, connection and purpose, care wishes, transition triggers and how the family will decide together. 24 items, 8 critical.

P1	P2	Item & What "Done" Looks Like	Gaps Found & Action Plan	Who	Due
Health & Medical — Ongoing CareYour Wellbeing
		Annual Wellness Visit & VaccinationsMedicare Annual Wellness Visit booked (includes a cognitive check). Flu, COVID, pneumococcal, shingles, RSV and Tdap reviewed with the doctor.Needs: Physician
		Medical History & Chronic CareDiagnoses, surgeries and allergies confirmed in the medical record; chronic conditions have a management plan; hearing and vision checked.Needs: Physician
		Pharmacy & Medication RoutineOne primary pharmacy; refill synchronization; pill organizer or dispenser if doses are missed.
Home & Daily Life — Aging in PlaceYour Wellbeing
		CAPS Home Modification PlanZero-step entry, curbless shower, 32"–36" doorways, first-floor bed and bath, stair lift options evaluated; OT home-safety assessment if needed.Needs: CAPS / OT
		Decluttering & Downsizing PlanRoom-by-room plan with a timeline that reduces hazards and future family burden.
		★Daily Function Check (ADL / IADL)Meals, medications, finances, housekeeping, bathing and dressing reviewed honestly; support services added where needed.
		★Driving & TransportationVision, night driving and reaction time discussed; OT driver evaluation if concerns. Alternatives identified: paratransit, rideshare, volunteer drivers.
Cognitive & Social HealthYour Wellbeing
		Social Connection PlanRegular contact, groups or faith community in place; isolation risk assessed honestly.
		Mood & MemoryDepression and anxiety screened; any memory concerns raised with the physician; grief support if needed.Needs: Physician
		Purpose & EngagementRegular cognitively stimulating and meaningful activities; hearing loss treated (a modifiable dementia risk).
Future Care PreferencesYour Wellbeing
		★Housing Preferences & Move ConditionsWhere they want to live; what would trigger a move; views on home care, assisted living, memory care and nursing home.
		★End-of-Life Wishes DiscussedComfort vs. aggressive treatment, hospice preferences and place of death talked through with agents and physician.
		Final ArrangementsBurial or cremation, service preferences, obituary notes, pre-need contract details; veteran burial benefits if eligible.
		Personal Belongings & LegacyDistribution wishes for heirlooms (written memorandum where state law allows); ethical will, letters or life story recorded.
Transition PlanningDecision Systems
		★Trigger Points AgreedIf-then decisions written down: e.g. two falls in a month, unsafe driving, missed medications, caregiver unavailable.
		Care Options & Cost PlanLocal in-home care, assisted living, memory care, CCRC and PACE researched with costs. Funding sources mapped: savings, LTC policy, home equity, VA, Medi-Cal.
		Elder Law / Medi-Cal Review (if relevant)Long-term care funding and asset protection discussed with a certified elder law attorney. Mark N/A if not needed.Needs: Attorney
Family Decision FrameworkDecision Systems
		★Family Readiness Meeting HeldRoles, document locations and care preferences reviewed together; neutral facilitator used if there is tension.
		Decision Rules DocumentedWho decides what, tiebreaker, who is included, financial transparency and privacy expectations.
		Communication RhythmRegular check-in schedule and one shared way to post updates.
Fraud & Financial Protection — OngoingDecision Systems
		Ongoing MonitoringTrusted person reviews statements monthly; credit reports pulled each year; Adult Protective Services reporting process known.
		New-Relationship SafeguardNo new friend, partner or caregiver is controlling money or access; documents reviewed if a significant new relationship forms.
Maintenance & HandoffDecision Systems
		★Annual Review ScheduledReview date on the calendar; re-review after any major health, legal, financial or family change.
		★Life Record Workbook Updated & Copies PlacedSilverBeacon Life Record completed; agents know where the binder is; outdated copies destroyed.

Day 90 checkpoint

P1 items done

of 24

P2 items done

of 24

Critical items still open

Carried to next phase

Next session date

Notes

Open items handed off after Day 90

Annual review date

Life Record binder location

Original kept by

Total copies (see page 1)

Phase	Window	Items	Critical
Phase 1: Protect	Days 1 – 30	19	15
Phase 2: Organize	Days 31 – 60	29	10
Phase 3: Plan	Days 61 – 90	24	8
Total		72	33

Client / Family Representative

Signature & Date

I have received this readiness plan and agree to the target dates above. I understand it is general guidance and that I should confirm decisions with a qualified professional.

SilverBeacon Coach

Signature & Date

Copies are held only by the people listed on page 1. SilverBeacon does not keep a copy or store client information online.

SilverBeacon Aging Readiness Coaching helps clients organize information and coordinate with their own professionals. It is not legal, tax, financial, insurance or medical advice. Confirm every decision with a qualified professional; items marked "Needs" must be completed or reviewed by one. Document names and requirements vary by state. Do not write account numbers, passwords, codes or medical details on this checklist.