Smiling senior woman raising hands with text ‘The Truth About Senior Living & Money’ over split background of retirement community outdoors and cozy living room

Not One-Size-Fits-All: Senior Placement, Medicaid Nuances, and Where a Reverse Mortgage Fits

September 30, 20252 min read

Featuring Tom Groesbeck, Achieve Senior Placement


A lot of folks know InterConnect Mortgage for reverse mortgages — but here’s the truth: one size does not fit all. Some families need in-home support; others need assisted living, memory care, or skilled nursing.

That’s why we collaborate with trusted local professionals like Tom Groesbeck, owner of Achieve Senior Placement, to help families see the whole picture before they decide.


🎥 Watch the Interview

We recorded a candid, jargon-free chat to help you get oriented fast:
👉 Watch here: https://youtu.be/ehmiRc23zqs


👤 Meet Tom Groesbeck (Achieve Senior Placement)

Tom brings 30+ years in senior living and healthcare—on the inside of communities: assisted living, memory care, nursing homes, and rehab. That “behind-the-curtain” perspective is invaluable when you’re trying to match care needs, location, amenities, and budget.

  • Counties served: Palm Beach, Martin, and St. Lucie, FL

  • Cost to families: Free. Communities pay a referral fee if you move in.

  • Medicaid note: Even if Medicaid is involved (and referral fees aren’t allowed), Tom still helps families—at no charge.


🏠 When “Home” Stops Being the Best Option

If you—or your parents—are at that pivotal moment where safety, social connection, or daily support is slipping, senior placement can:

  • Match care level with actual needs (ADLs, memory support, rehab access)

  • Reduce isolation and improve overall wellness

  • Provide predictable monthly costs

  • Save families weeks of trial-and-error searching

“It can feel overwhelming—so many options, so many price points. We help you avoid dead ends.” — Tom Groesbeck


💡 Where a Reverse Mortgage Fits In

Reverse mortgages can be powerful for aging in place—covering in-home care, renovations, or offsetting living costs. But they aren’t always the right tool.

Before tapping into home equity, it’s important to confirm:

  • What’s the care path? Stay home with services, or move to a community?

  • What’s the budget reality—today and in the future?

  • Will Medicaid benefits or spend-down rules come into play?

Sometimes the best move is using a reverse mortgage to extend time at home. Other times, transitioning sooner to a community is safer—and cheaper overall.

That’s why we encourage families to evaluate both roads.

📝 The Placement Process (Step by Step)

  1. Discovery call – health, preferences, location, and budget

  2. Curated shortlist – only communities that truly fit

  3. Tours & comparisons – care levels, costs, and contract terms

  4. Decision support – tips for timing, move-in, and negotiation


Ready to Talk?

Local + Reachable

Achieve Senior Placement
📞 561-970-5031
🌐 AchieveSeniorPlacement.com
✉️ [email protected]

InterConnect Mortgage (Reverse Mortgages)
📞 561-373-0371

Or book a free 15-minute call here: https://interconnectmortgage.com/calendar


Key Takeaways

  • Free, expert placement with insider knowledge of senior communities

  • Medicaid? Families still get guidance—even when fees aren’t allowed

  • Reverse mortgages are not one-size-fits-all—use them strategically

  • Making the first right decision saves time, money, and stress


Disclaimer

This content is for educational purposes only and not a commitment to lend. Interconnect Mortgage — NMLS 1720882. Check licensing at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/


Mortgage broker in FL, GA, & SC 34+ years helping buyers, self-employed clients, and investors get financed.

Toni Taylor Gozza

Mortgage broker in FL, GA, & SC 34+ years helping buyers, self-employed clients, and investors get financed.

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