About Assisted LivingAssisted living facilities offer housing and care for active seniors who may need support with activities of daily living, like bathing, dressing, and medication management.Complete guide to assisted livingBest of 2025 Assisted Living Winners
About Memory CareMemory care facilities provide housing, care, and therapies for seniors who have Alzheimer’s disease or other forms of dementia in an environment designed to reduce confusion and prevent wandering. Complete guide to memory careBest of 2025 Memory Care Winners
About Independent LivingIndependent living facilities offer convenient, hassle-free living in a social environment for seniors who are active, healthy, and able to live on their own.Complete guide to independent livingBest of 2025 Independent Living Winners
About Senior LivingSenior living is a term used to describe various housing and care options for older adults from maintenance-free, 55+ facilities for active seniors, to secure, fully staffed facilities for seniors with Alzheimer's or dementia. Complete guide to senior livingFind senior living facilities near you
About Nursing HomesNursing homes provide short-and long-term care for seniors who have physical or mental health conditions that require 24-hour nursing and personal care.Complete guide to Nursing Homes
About Senior ApartmentsSenior apartments offer accessible, no-frills living for seniors who are generally active, healthy, and able to live on their own.Complete guide to Senior Apartments
About Care HomesResidential care homes are shared neighborhood homes for seniors who need a live-in caregiver to assist with activities of daily living, like dressing and bathing.Complete guide to care homes
Veteran ResourcesVA benefits for long-term care, such as Aid and Attendance benefits, can help eligible veterans and their surviving spouses pay for senior care.Guide to VA benefits for long-term care
Expert bio page hero background image
Brooke Schmidt
EXPERT CONTRIBUTOR

Lucinda Ortigao, CFP

President
Expertise
Lucinda Ortigao is president of Cape Investment Consulting Inc. and is a Certified Financial Planner.
Highlights
  • Certified Financial Planner.

About Lucinda

Lucinda Ortigao is president of Cape Investment Consulting Inc. She is a certified financial planner and offers clients more than 25 years of comprehensive banking and wealth management experience, including estate and financial planning. Lucinda was a Senior Vice President, Client Advisor, SunTrust Bank — now Truist Bank — in the Private Wealth Management Division.

More from Lucinda

Seniors looking at computer in kitchen together
Learn about the many options available to pay for independent living. Get tips on how you can use these for your own unique situation.
Elderly couple smile at one another
Learn how long-term care insurance can help pay for assisted living. Plus, understand common policy terms and eligibility.
Senior smiling and looking over paperwork
Find out if independent living is tax deductible, how the medical expense deduction works, and about unique tax credit situations.
Elderly man at his desk doing calculations by hand and paying medical bills.
A nursing home may be a good fit for seniors who need a high level of care. Learn about the ways to pay for nursing home care.
Nurse speaking with elderly man in wheelchair
Learn how Medicare covers respite care, how much respite care costs, and how to pay for respite care outside of Medicare.
A middle-aged woman sits at the computer in a bright room.
For the chronically ill or disabled, this insurance can fund respite care, adult day care, senior living, and more. See if it’s right for you.