As we grow older, change doesn’t come easily. The routines we've built over decades become anchors — comforting, familiar, and hard to leave behind.
Yet, for Generation Xers and baby boomers, pivotal housing transitions such as downsizing or shifting to 55-plus and senior living communities are often on the horizon.
Both options carry financial and emotional challenges. Fortunately, a host of dedicated professionals — retirement housing navigators — stand ready to guide you through these complex decisions, offering clarity amid a morass of choices.
From just $107.88 $24.99 for Kiplinger Personal Finance
Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues
Sign up for Kiplinger’s Free Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
What is a retirement housing navigator?
Retirement housing navigator is an umbrella term for professionals who simplify one of life’s most daunting transitions. They're also known as geriatric care managers, aging life care managers or senior placement facilitators.
Some are affiliated with financial advisory firms or local agencies, while others are licensed real estate professionals who specialize in downsizing and senior-living transitions.
Whatever the title, these experts provide tailored guidance through planning, research, even on-site visits — helping ensure that every decision aligns with your personal needs and lifestyle goals.
Why would you want to work with a retirement housing navigator?
A skilled navigator can help you reimagine the next chapter. Their expertise goes beyond recommending housing options; they clarify your vision, establish realistic goals and accompany you on facility tours to ensure transparent pricing and service quality.
“As with any kind of move, there’s often a fear of change and the difficulty of imagining what one gains when considering a move,” explains Meg Stoltzfus, a retirement coach and housing navigator at Financial Council in Towson, Maryland.
To ease the transition, she advises clients to conduct a series of experiments by staying overnight (there might be a fee) in a few of these communities and ask yourself: Would I feel at home here?
Key questions include:
- Do you have personal connections in the community?
- Are the residents content?
- How responsive and engaging is the staff?
- Is the location convenient for visits from friends and family?
These thoughtful queries help balance both emotional and practical considerations.
What expertise and qualifications do retirement housing navigators have?
Navigators offer a range of expertise, backed by certifications and extensive experience.
For instance, real estate professionals can earn the Senior Real Estate Specialist (SRES®) designation from the National Association of REALTORS®, which equips them to meet the unique challenges older adults face — from selling or downsizing their homes to identifying alternative housing solutions.
Linda Kody, a veteran agent from North Andover, Massachusetts, pursued her SRES certification in 2018 after realizing that as she grew older, her needs mirrored those of her clients. Today, she partners with 55-plus individuals and their families to chart the “next best step.”
The Seniors Real Estate Institute also offers a program for real estate professionals. Some firms such as Capital Senior Solutions serve the Washington, D.C., area, focusing on both 55-plus communities and senior housing needs.
Beyond real estate, professionals such as Certified Senior Advisors or Aging Life Care Experts bring specialized knowledge in gerontology, social work, and nursing. These experts can connect clients with networks that include elder law attorneys, health professionals and social service providers.
The highest-level certifications in this field are reserved for those with advanced expertise and extensive hands-on experience in elder care.
How do you work with a retirement housing navigator?
Start by tapping into your community. Reach out to your local Council on Aging, neighbors, even a trusted financial advisor or certified public accountant (CPA). From there, clearly delineate your priorities.
Begin by listing what matters most:
- Location preferences and proximity to loved ones
- Desired amenities and social opportunities
- Long-term community prospects, such as staying within a life care community
Develop a simple pros-and-cons chart along with a ballpark budget. Clarify your “must-haves” and “nice-to-haves” before meeting with your navigator. With these parameters in hand, your navigator will handle the research, filtering a variety of tailored housing options to suit your lifestyle.
What is a life care community?
A life care community is a comprehensive, often multi-phase living option designed to cater to residents’ evolving needs over time. Residents typically begin in an independent setting and might seamlessly transition to assisted living or skilled nursing care within the same community, ensuring continuity of care and comfort as they age.
What is the cost of working with a retirement housing navigator?
One of the most appealing aspects of using a navigator is that you often won’t pay out of pocket. Many navigators receive compensation directly from placement agencies or senior living facilities.
For instance, organizations such as A Place for Mom, Caring.com, or Senior Living Navigator operate on a commission basis.
Other retirement housing navigators, such as Stoltzfus, integrate their services into broader financial planning packages offered by wealth management firms.
Before you commit to a similar package, ask for clear details on how compensation is structured to ensure there’s no conflict of interest in the recommendations.
Can my real estate agent help me with a downsizing strategy?
Absolutely. Many older homeowners find that a large suburban home no longer meets their evolving needs. With adult children gone, rising maintenance costs and shifting neighborhood demographics, it might be time to re-evaluate what “home” means.
Experienced agents such as Kody guide clients through every step — from deciding if selling a full house vs undertaking a major cleanout is best, to coordinating with local professionals for repairs, staging and landscaping. These ongoing relationships help ensure a smoother transition by connecting you with trusted local vendors.
“Although few people like the idea of moving, we encourage our younger retirees to experiment with different housing choices and locations,” notes Stoltzfus. “Spend some time in Florida or the Carolinas, explore vibrant communities, and weigh factors like affordability, location and lifestyle fit. It’s all about finding the right community for you.”
A strategy for smart transitions
Moving can be daunting at any age, but it becomes even more so as life evolves. The right housing navigator can transform an emotional trial into a strategic and empowering opportunity for growth.
Kody encapsulated an essential lesson from her SRES training: “Empathy, listening and patience are key. Moving is an emotional process, especially in retirement.”
Stoltzfus adds, “You have to weigh practicality and cost vs amenities and extra services. Depending on where you live, a pool and pickleball court may be a priority, but you may not care if the facility doesn’t have a resident-run TV studio or Japanese zen garden.”
Ultimately, working with a retirement housing navigator can help you tailor your next move to your unique lifestyle — and step more confidently into a future that reflects your aspirations and values.
Related content
-
December Fed Meeting: Live Updates and CommentaryThe December Fed meeting is one of the last key economic events of 2025, with Wall Street closely watching what Chair Powell & Co. will do about interest rates.
-
This Is Why Investors Shouldn't Romanticize BitcoinInvestors should treat bitcoin as the high-risk asset it is. A look at the data indicates a small portfolio allocation for most investors would be the safest.
-
I'm a Federal Benefits Pro: I Answer These 2 Questions a LotMany federal employees ask about rolling a TSP into an IRA and parsing options for survivor benefits, both especially critical topics.
