According to Sales Director Andy Beltz, the goal at Oak Trace is simple. It is to provide options that align with a range of financial situations so more people can confidently make the move when the time is right.
“We run the finances with prospective residents and provide the options,” Beltz said. “With multiple contract choices, we are able to work with people based on their resources and what makes the most sense for them.”
A Financial Approach Built Around Choice
Oak Trace offers several types of contracts, each designed to meet different needs and preferences.
A traditional Life Care, or Type A contract, offers a partially refundable entrance fee along with predictable, reduced costs for future care if it is ever needed. Many residents appreciate the long-term financial stability and peace of mind it provides.
For those with different financial structures, a Type B contract may be a better fit. Designed for individuals with long-term care insurance or strong monthly income such as a large pension, this option features a lower entrance fee along with reduced costs for future care.
There are also options with lower upfront investment, including plans with little to no entrance fee return. These can appeal to individuals who prefer to preserve liquidity while still gaining access to the community and its services.
“People weigh the upfront investment and the long-term predictability differently. We walk through all of it so everyone can make an informed decision,” said Beltz.
A Plan That Supports Independence and Reduces Stress
One of the most meaningful benefits of planning ahead is the sense of control it provides. Residents are able to make decisions for themselves, on their terms, rather than leaving those choices to loved ones during a time of stress.
“When a plan is in place, it is ultimately the resident making the decision and advocating for themselves,” Beltz said. “It takes the pressure off children and family members and gives people confidence in their future.”
A Continuum of Care That Keeps Residents at Home
Beyond financial flexibility, Oak Trace offers something equally important. Stability.
Unlike some CCRCs, Oak Trace is licensed to provide all higher levels of care on site. That means residents do not have to relocate if their needs change.
From independent living to assisted living, memory care, rehabilitation, and skilled nursing, every level of support is available within the same community.
Independent living offers a vibrant lifestyle filled with amenities, engaging programs, and opportunities to stay active and connected.
Assisted living is designed to provide the right level of support while still promoting independence and dignity.
Memory care is thoughtfully designed as a secure environment where residents can move freely and safely while receiving personalized care.
Rehabilitation and skilled nursing services ensure that more advanced medical needs can be met without leaving the community.
“We have all of the options for levels of care here, and we work with residents to determine the environment that makes the most sense,” Beltz said. “It is a very holistic approach.”
This flexibility is especially meaningful for couples. In situations where one partner needs additional support, Oak Trace can provide services such as daytime assistance while allowing both individuals to remain living together. If needed, couples can also live in different levels of care but spend as much time together as they please, maintaining their routines.
“It gives couples the opportunity to stay together while also providing the support each person needs,” Beltz added.
Opening the Door to More Possibilities
With a variety of contract options, potential tax advantages, and a full continuum of care, Oak Trace is helping more individuals discover that Life Plan living may be more attainable than they realized.
By aligning financial choices with personal priorities, more individuals can say ‘yes’ to a lifestyle that offers not only comfort and connection today, but confidence in tomorrow.
At its core, it is about creating opportunities. And at Oak Trace, those opportunities are designed to meet people where they are and support where they are going.
Ready to Explore Your Options?
Whether you are planning ahead for yourself or helping a loved one navigate senior living choices, the team at Oak Trace is here to help you understand your options and find a plan that fits your goals and financial priorities.
Call 630-426-7251 to speak with a member of the Oak Trace team and schedule a personalized conversation or community tour.
