facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause
Planning for Home: Aging, Advocacy, and Housing with Dignity (Part 2) Thumbnail

Planning for Home: Aging, Advocacy, and Housing with Dignity (Part 2)

Part 2: Staying Close -- Living Near (or with) Adult Children

For many aging adults, one of the most natural solutions is moving closer to family --especially adult children. Whether that means relocating across the country or simply across town, the goal is often the same: proximity, connection, and a sense of security.

And it makes sense. Living near loved ones can reduce isolation, make doctor’s visits easier, and provide peace of mind for both generations. But it's not a one-size-fits-all answer. The success of this approach depends less on distance and more on communication, boundaries, and expectations.

Three Common Approaches

1. Same Neighborhood, Different House

Some families find that living in the same city—or even the same neighborhood—is the sweet spot. Close enough to help with groceries or emergencies, far enough for independence. This setup works well when both sides value autonomy and have strong relationships.

2. In-Law Suites or Accessory Dwelling Units (ADUs)

These separate living spaces (like garage apartments or basement units) allow older adults to live on the same property as their children while maintaining privacy. ADUs can be a smart investment, especially in areas where multi-generational living is becoming more common.

3. Shared Housing

For some families, the decision is to fully share a home -- whether temporarily or permanently. This works best when there's a clear understanding of roles, costs, household rhythms, and caregiving expectations.

But What About Advocacy?

Living near or with your children can help with day-to-day support, but proximity alone isn't advocacy.

It’s important to ask:

  • Who will go with you to the doctor and ask hard questions?
  • Who understands your healthcare wishes and legal documents?
  • Who is prepared to make decisions on your behalf if needed?

Many adult children want to help -- but they may have demanding careers, children of their own, or live with guilt and uncertainty about how much they can do. Others may live nearby but not have the capacity, relationship, or skillset to serve as advocates.

This is why planning beyond geography matters. Consider:

  • Having honest conversations about what you want and expect
  • Appointing a durable power of attorney and healthcare proxy
  • Exploring professional care managers or advocates to supplement family help

Blended Families and Estrangement

In blended families, where stepchildren may be involved -- or where family dynamics are strained -- living nearby can raise more questions than it answers. Who will feel responsible? Who will feel entitled to make decisions?

These complexities don’t mean you shouldn’t move closer to family. But they do mean it’s wise to:

  • Put your wishes in writing
  • Speak openly with everyone involved
  • Avoid assumptions about who will step in, and when

Final Thought

Living near family can be a beautiful way to age with connection and support -- but only when paired with clear communication and thoughtful planning. Aging well isn’t just about being close to people. It’s about being aligned with them.

In Part 3, we’ll explore another popular option: 55+ communities and retirement neighborhoods -- what they offer, what they don’t, and who thrives there.



Disclosure: This material is presented solely for information purposes and has been gathered from sources believed to be reliable, however, Pacific Asset Management cannot guarantee the accuracy or completeness of such information, and certain information presented here may have been condensed or summarized from its original source. The preceding information is not intended to be tax, legal or accounting advice, and nothing contained in these materials should be relied upon as such. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. Nothing in this presentation in intended to serve as personalized investment, tax, or insurance advice, as such advice depends on your individual facts and circumstances. Advisory services are only offered to clients or prospective clients where Pacific Asset Management and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Pacific Asset Management unless a client service agreement is in place.
Schedule a Call