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Indicative Case Study 3: The Reynolds Family (Dual Focus: Care and Cash Flow)

By Care @ Home for Life

December 23, 2025
case study featured image reynolds family

The Challenge: Maximizing Equity for Lifestyle and Future Care

Mr. and Mrs. Reynolds, a healthy couple in their late 70s living in Palm Beach County, FL, owned a large custom home purchased in 1987, now valued at $3.2 million.

They were generally healthy but concerned about affording a higher standard of retirement, extensive home maintenance, and the inevitable costs of comprehensive care. They needed a reliable source of tax-advantaged cash flow immediately, and absolute coverage for their eventual high-level care needs later.

The Solution: Maximized Care@Home Income™ and Guaranteed Lifetime Care

The Reynolds chose the Care@Home Guarantee™ for its ability to convert a portion of their substantial home equity into liquid benefits. Their high-value property qualified them for a premium package:

  1. Lifetime Care Guarantee: A fully insured contract, the Care@Home Services™, covering unlimited, 24/7 care for both individuals, guaranteed for life with no caps.
  2. Elevated Care@Home Income™: A maximized $4,000 monthly guaranteed payment (a lifetime annuity) allowing them to significantly increase their disposable income for travel, discretionary spending, and home upgrades.

case study reynolds family

The Result: Financial Empowerment and Future Certainty

The monthly annuity payment instantly increased the Reynolds’ standard of living, allowing them to fully enjoy their retirement years without touching their liquid investment accounts. Critically, their children now know that both parents’ future care costs are completely funded and guaranteed, eliminating a potential multi-million-dollar liability.

For the investor, this transaction provided a premium residential asset in a prime Florida location, secured at a favorable valuation, and reinforced by the low-risk profile of the fully insured care contract.

The arrangement provided the Reynolds with both immediate financial empowerment and absolute certainty for their final years at home.

Footnote: This case study described is a typical situation and any resemblance to person or place is coincidental. The numbers are examples and the exact numbers for each situation will vary.

  • Doug Kneebone

    Co-Founder & General Counsel – In-Home Care for Life Model

    Entrepreneur | Business Innovator | Counsel

    Doug-Kneebone-image

    • Doug began his career as a law partner in a major firm in a traditional mergers and acquisitions practice developing innovative finance and corporate governance solutions for a wide variety of clients; completing major transactions in the United States, Canada, Britain Europe and India.

    After 20 years he left his law practice to join an international entrepreneurial technology company as its general counsel and member of its senior executive. In 2010 he co-founded his own boutique investment banking and advisory firm specializing in startup technology companies and innovative financing solutions frequently participating as a board member or as the principal board adviser. Doug has extensive experience in patents, trademarks and IP licensing.

    During his evolving career path, Doug became acquainted with Eiso Wortelboer and acted as Eiso’s counsel in several commercial transactions before eventually becoming General Counsel to Eiso’s senior care business in California. His experience in the senior care business convinced him that a new model was required to help seniors fulfil their greatest wish – to remain in their own home in comfort and security. This had led Doug to join with Eiso in founding In-Home Care for Life and developing the Care@Home Guarantee.

    To bring a viable stay-at-home product to market that will permit seniors to age at home in dignity, comfort and security.

  • Eiso Wortelboer

    Founder & CEO – In-Home Care for Life Model

    Entrepreneur | Healthcare Innovator | Structured Finance Specialist

    Eiso profile photo

    • Entrepreneur and innovator with a unique background combining structured finance, in-home care operations, and senior-care investment models. As Founder and CEO of the In-Home Care For Life Model, Eiso is building a U.S.-based platform that merges life annuity real estate (rente viagère) with long-term care insurance — enabling seniors to age at home with dignity while providing investors with sustainable, property-backed returns.

    Drawing on 15 years of experience in structured financial products at De Hoop Finance in Geneva, Switzerland — collaborating with Société Générale and BNP Paribas in Paris — Eiso mastered complex risk structuring and investment engineering. He later applied these skills to healthcare operations in California, operating/owning an agency over the last 10 years and developing innovative models to finance long-term care while aging at home.

    To redefine aging with dignity by making it possible for every senior to remain safely and comfortably in their own home — surrounded by the memories, routines, and independence that give life meaning.

    Through the Care at Home for Life Model, Eiso’s vision is to bring together compassionate care and innovative financial design, so that no one has to choose between quality care and the place they call home.

  • Aurelian Anghelusiu

    Chief Relationship Officer

    Transforming Life-Long Legacies and Redefining Senior Care Services with the Care@Home Guarantee Program

    aurelian

    • Aurelian Anghelusiu is a seasoned luxury service executive whose 30+ year career has redefined the art of hospitality and service across many and varied market sectors. Now, as Chief Relationship Officer at Care@Home4Life, a forward-thinking firm introducing the Care@Home Guarantee insurance solutions to the U.S. market, Aurelian brings his mastery of emotional connection, perceptive resonance, and client-for-life philosophy to a sector hungry for trust, empathy, dignity and human-centered retirement services.

    Fluent in several languages, Aurelian is a relationship architect who bridges cultures and generations – having consistently created and elevated client loyalty, brand identity, and bottom-line results, through win-win strategies built on mutual trust, respect and commitment.

    Rooted in the Ritz-Carlton tradition of “creating customers for life”, and the famed “Gold Standards” Aurelian’s leadership ethos is defined by:
    – Perceptive Resonance — anticipating and exceeding client needs before they’re spoken
    – Emotional Intelligence & Trust-Building — especially critical in longevity-based financial products
    – Cultural Sophistication — cultivating belonging in high-touch, values-driven environments
    – Legacy Thinking — turning transactions into lifelong commitments and communities into families.

    In an industry where clients seek both security and dignity in their later years, Aurelian curates personalized journeys that honor heritage, passionate and long-term care solutions, while embracing innovation. His role as Chief Relationship Officer includes:
    – Building Long-Term Trust with aging homeowners, their families, and advisors
    – Educating U.S. Markets on the cultural, financial, and emotional value of the Care At Home Guarantee product
    – Translating the Meaning and Age Old Concept of Hospitality into Human-Centered Senior Care Insurance Benefits
    – Championing Ethics, Empathy & Elegance in a product category traditionally underserved, undervalued and misunderstood

    Aurelian has turned customer service into a signature. His leadership has been profiled in BizWeekly and admired by peers as “revolutionary,” “visionary,” and “deeply human.” He now lends that same magic to a company poised to disrupt the U.S. insurance landscape with European wisdom and American heart.

    For more information, please contact here.