Scott Bown (CFP®)
Scott Bown focuses in the
following client markets or areas of practice:
- Baby Boomers
- Cash Flow/Budgets/Credit Issues
- Insurance Related Issues
- Retirement Planning & Distribution Rules
- Silent Generation
- Tax Planning
- Baby Boomers
- Cash Flow/Budgets/Credit Issues
- Insurance Related Issues
- Retirement Planning & Distribution Rules
- Silent Generation
- Tax Planning
Planning Specialties
Scott P. Bown, MBA, CFP®, LTCCP®
Bethel Park, PA
Serving Pittsburgh, Pennsylvania & Clients Nationwide
I provide flat-fee, fee-only financial planning for individuals and families navigating retirement and long-term care decisions.
Financial planning becomes especially important when retirement income, health changes, and care costs begin intersecting. Withdrawals increase. Taxes shift. Medicare premiums (IRMAA) may rise. Insurance benefits activate. Family financial responsibilities evolve.
I help families connect those moving pieces so they understand the financial impact before making decisions.
Services are structured in three ways:
Single-Decision Financial Guidance – Focused clarity around one defined financial question, such as how long assisted living is sustainable or when to initiate a long-term care insurance claim.
Comprehensive Financial Planning – When retirement income, care costs, taxes, and insurance decisions overlap and require coordination.
6-Month Ongoing Support – Structured oversight during active caregiving or long-term care transitions, including insurance and claims coordination.
Areas of Focus:
- Retirement planning when care becomes part of the picture
- Long-term care insurance review and claims coordination
- Managing withdrawals, taxes, and Medicare premiums
- Coordinating financial roles between parents and adult children
- Social Security and retirement income planning
As a CFP®, MBA, and LTCCP® with more than 25 years of experience, I provide guidance centered on clarity and long-term stability — not product sales, commissions, or asset-based fees.
Additional Information
Family caregiving comes with emotional and financial challenges, and too often, families are unprepared for the financial impact. At Caregivers Resource Group, my mission is to help caregivers — and individuals preparing for their own later years — bring structure and clarity to complex financial decisions. From managing day-to-day expenses to planning for long-term care, I help families make informed choices so they can focus on what matters most.
As parents age or as individuals begin preparing for their own future care needs, finances often become intertwined. Adult children may step into financial oversight. Savings may be used in ways that were never anticipated. Accounts, income streams, and responsibilities shift — sometimes quietly — creating complexity in budgeting, asset management, and long-term security. I help navigate these transitions so decisions today do not unintentionally undermine tomorrow.
This includes coordinating financial responsibilities, protecting assets, structuring shared expenses, reviewing long-term care insurance — including assistance around claims — leveraging available benefits, and planning for intergenerational transitions. By taking a practical and forward-looking approach, I help families and individuals maintain financial stability while ensuring care needs are addressed — both now and in the years ahead.
NAPFA Start Date
May 29, 2025
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