MEDICAID PLANNING SERVICE BUSINESS PLAN

I. Executive Summary

Company Description

Harbor Legacy Advisors—named to signal protection (harbor) of family wealth and intergenerational transfer (legacy)—is a specialized financial advisory firm launching in 2026 that operates in the U.S. Medicaid planning sector. We provide asset protection and long-term care eligibility planning exclusively for middle-class families. Our core services are high-touch assessments, bespoke asset-restructuring plans, and end-to-end implementation support delivered by a team of certified experts using proprietary methodologies. One-liner: we protect care-eligible families’ financial legacies with hands-on, ethics-first planning.

We deliver services through structured intake, financial and benefits analysis, implementation project management, and coordination with attorneys and care providers to secure Medicaid eligibility without litigation. What sets us apart is exclusive focus, transparent fee structures, and implementation responsibility—so clients leave with verified eligibility pathways, not just advice. Target market: U.S. middle-class households facing near-term long-term care risk. Short-term goal: establish operations and referral partnerships in a high-demand U.S. market in 2026; long-term goal: scale regionally and codify proprietary processes into repeatable service packages. One-liner: we convert complex Medicaid rules into verified, implemented protection plans for middle-class families.

Problem

Long-term care costs in the United States are rising and now threaten to deplete the life savings of middle-class families who do not qualify for immediate assistance; families risk losing decades of savings or facing care delays because of this gap.

Medicaid eligibility rules are complex and unforgiving—one filing error can cause significant financial loss or delay access to care. Families, often the sandwich generation, face heavy emotional strain and lack clear, lawful guidance for restructuring assets. Existing general financial planners and legal services do not consistently combine deep Medicaid regulatory expertise with hands-on implementation, creating a market gap for a specialized advisory service that secures financial legacies while ensuring compliant, timely access to long-term care.

Solution

We provide specialized Medicaid eligibility and asset-protection planning for U.S. seniors that addresses the middle-class "wealth cliff" caused by long-term care costs. Our service combines state-specific financial analysis, personalized restructuring, trust creation, managed spend-downs, and application liaison to reduce denial risk and help preserve primary residences and retirement accounts within the five-year look-back and strict asset limits.

Mission Statement

Our mission is to protect the financial legacy of American families by providing expert, compassionate Medicaid planning grounded in elder law. We commit to education, transparency, and rigorous compliance so seniors access high-quality long-term care without losing hard-earned assets. We empower families to manage care with confidence and clarity and to preserve inheritance for the next generation. We are dedicated to being the trusted name in asset preservation and senior care planning.

Key Success Factors

Focused, efficient operations and channel-led growth drive predictable margin and rapid capital recovery.

• 100% Medicaid focus delivers deeper expertise than generalist firms.
• 3-month breakeven; 5-month payback on initial investment ensures fast ROI.
• Referral network of elder-law attorneys and providers supplies steady, low-CAC leads.
• Scalable staffing expands with revenue to preserve service quality.
• Regulatory vigilance keeps advice compliant and effective for clients.

Financial Summary

Key financial highlights for the Executive Summary: first-year revenue of $2,424,000 with rapid scale and strong profitability.

Financial requirements: minimum cash reserve of $813,000; breakeven and cash-flow positive in Mar-26 (3 months); payback in 5 months. Anticipated ROI: IRR 41.99% and ROE 24.12%.

Overall outlook: profitable from month three with strong growth to $11.37M revenue and $7.91M EBITDA by Year 5.

Funding Requirements

We require $900,000 to launch in 2026 to cover $82,500 CAPEX and a $813,000 90-day working capital reserve.

Financial snapshot: Year‑1 revenue of $2,424,000 with EBITDA of $1,279,000, scaling to $11,369,000 by Year 5; IRR 41.99%, ROE 24.12%, cash‑flow positive by March 2026, fixed monthly expenses ≈ $7,900, and a falling CAC.