H.E.L.P. Inc (Home Equity Lifecare Plan) Inc.: Financial Security for The Health Challenged.

H.E.L.P. Inc (Home Equity Lifecare Plan) Inc.: Financial Security for The Health Challenged.
PHOTO COURTESY OF H.E.L.P., INC.

Most Americans can relate to financial instability, but what do you do when your financial needs are impacted by illness? You ask for H.E.L.P.   H.E.L.P. is an Agency that assists homeowners with repositioning their equity to assist with covering healthcare needs and other expenses that may cause financial hardship. This Southern California-based agency, led by CEO Charlton Davis, has thrived off creating genuine relationships with people from various demographics while priding itself on serving the South-Central Community and assisting them with their foundation for success.

 When asked about their mission and purpose, Charlton replied, “It is actually a strategy. As we age, we realize that people need care and want to get it, but it is extremely expensive.” He shared that in 1985, he started offering people written plans for their care at home for as long as they wanted it. “Over the years, one of the biggest problems that I find is that the premiums are almost prohibited for too many people,” said Charlton. “We have a lot of people in our communities that bought their homes years ago, and they have a substantial amount of equity in their homes; we advise them and take them through the process of using that future equity to pay for those written plans and long-term care that they want, where they want, how they want it, as long as they want it.”

 “For most people, their home is their biggest asset, but it is what we call a nonproductive asset,” Charlton explained.  As he continues he shared many people aren’t accessing funds that belong to them to help them with their future. Charlton added, "Too many homeowners with over half a million dollars in equity in their homes end up in Nursing Homes.” The cost of some is upward of $15,000 per month. Not to mention, the quality of some of these institutions is far less than one could provide on their own if they had the resources and funding that could be made available by seeking the right kind of support.

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Some may ask, “What if I buy this plan and I never need it?”. Carlton shares this wisdom,  “Our best Health strategist will say that you can reposition the equity in your home, but if you never need it, there is a legacy benefit to your family that will cover any equity you have taken out in the first place.” Charlton explained. He made sure to hit on some of the pushback that he has had in the past when offering their services, noting that with all great things, there is going to be some skepticism, but by giving potential clients all the vital information and sharing testimonies of others that have taken advantage of their program, they have generated a thriving entity that educates people in efforts of helping them solidify their foundation.

One of the key team members vital to the success of their agency is the Chief Operations Officer, Crystel Coleman. With a background in Education, she has become the face of H.E.L.P. since its incorporation in 2021. Her ability to communicate the importance of their program while explaining the hardships of caregivers and the burden that exists with children having to figure out the best care for their parents has become a specialty of hers. 

Coleman encourages customers to have a plan instead of depleting their 401k or selling all their belongings, priding herself in filling the gaps of information that have been withheld from people in lower-income communities. “We are the heart of what we want to see happen between pairing long-term care and equity in someone’s home,” said Crystel. “When you give education to someone, you are giving them a gift that they can hold on to.” Crystel went on to state that they want to educate the client as well as the family; that way, no one comes back to H.E.L.P. saying, ‘No one told us that,’ or feeling like they don’t have a clue of what the overall services include.

“H.E.L.P. is a family affair; it’s a family matter,” stated Charlton. “We almost require for the children to be part of things as they are going to be the ones who have to manage things once their parents reach the point of needing the care,” he elaborated.

Since the 80’s, Charlton Davis has had a mission to equal the playing field of those who may have the resources, but do not have the information. With the development of H.E.L.P., his team has evolved into a “Suite” foundation, providing information that assists with ensuring the success of families of all cultures in the South-Central area. In the words of Charlton, “What keeps you up at night wakes us up in the Morning!”.

Want to learn more about H.E.L.P. (Home Equity Lifecare Plan) Inc? Visit their website at www.Helpwithltcfunding.com or call their toll-free number 1-855-729-4582.
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