Eterna Advisors is an independent guide for families navigating aging and life transitions. A written plan, the right people, and someone who stays with you as things change.
Most families call in the middle of a crisis. By then the decision has mostly been made for them. Touch any moment below to see what is still open and what has already closed.
This is the gap Eterna closes: the difference between how many choices a family has when they first call, and how few they would have had once a crisis decided for them.
Three parts. The first one is free. You decide after each whether to continue.
Free, by phone or in person. You tell Carey what is happening, she tells you whether she can help and what she would look at first. If you were referred by your advisor, she lets them know within a week how things went.
Carey meets with you and the people you want involved, works through where you live, the care you may need, your resources, and what happens if things change. You receive a written longevity plan and the introductions to the specific people in it.
Some families take the plan and run it themselves. Others want Carey beside them to make the calls, sit in the meetings, and keep the plan current as circumstances shift.
Every plan is built around one family, but they all cover the same four things.
Ruth and Tom want to stay in their house as long as it is safe to, and they want to be the ones who decide when that changes. The plan names what would make the house work for another five to eight years, and what the two moves after that would look like, so nobody is touring communities for the first time in a hospital hallway.
Tom's diagnosis will progress. The plan lays out what help looks like at each stage, who provides it, roughly what it costs, and when to bring in the next layer, so the family is not researching home care agencies the week they need one.
The plan is only as good as the people who carry it out. This section lists everyone on the team, what each one handles, and what Carey has already confirmed about them. The family keeps this list after the engagement ends.
A short set of if-then pages, one for each thing the family is quietly afraid of. Each one says who to call first, what to ask for, and what has already been decided so nobody is deciding under pressure.
Names changed. Everything else as it happened.
Photo for illustration only.
Mary had three sons and a daughter. None of them wanted to run her care, and none of them wanted to feel guilty about that. What they wanted was for her to be well looked after, in her own home, and for their time with her to be time with her.
Because the plan was in place early, that is what happened. The care ran without them. They visited, had dinner, enjoyed her. Nobody was squeezed between a job and a parent. Mary was comfortable and happy to the end, and the family will tell you it was the plan that made that possible.
Not out of distance, out of pride. They wanted to decide where they would live, who would help, and how it would go, and they wanted those decisions to hold even when they could no longer make them.
They started early and thought it through. They kept control of the plan all the way to the very end. That is the whole idea of aging well.
Fees are simple and flat, and Carey walks you through them on your free 30-minute call. Private pay. Not covered by insurance or Medicare.
Book a free 30-minute call
Carey Lindeman spent twenty-two years running a private-pay senior home care company in the Twin Cities, working with families who wanted the best care and had the means to choose it. Over those years she built the network a family needs and rarely has: the elder law attorneys, the care managers, the placement people, the agencies that actually pick up the phone.
She started Eterna because the families she served kept asking the same question, and the medical system did not have time to answer it. Where do we start?
She does not claim to know everything. The value is orchestration, judgment, relationships, and follow-up that does not stop. Clients describe her as calm, direct about what she can and cannot do, and the person who knew who to call.
Member, National Association of Women Business Owners. Pursuing the Aging Life Care Professional and Certified Senior Advisor designations. Based in Wayzata, Minnesota.
No. Eterna does not provide care or send caregivers. It builds the plan and connects you with the right people to carry it out, then stays on to coordinate if you want that.
No. This is a private-pay service. Many families assume Medicare covers far more of aging than it does, and sorting that out early is part of the plan.
This is the best time. Every option is still open, and the plan gets built calmly rather than in a hospital. Families who start early keep control of their decisions.
No. There are fewer options, but there are still options, and knowing which ones are real saves weeks. Call today.
Yes. Carey works alongside the advisor and attorney you already have. She does not give financial or legal advice, and she lets your advisor know within a week of the first call how things are going, with your permission.
They will. The plan is revised as many times as it needs to be. What you pay for after the plan is Carey's time, by the hour, not the number of changes.
Thirty minutes, free, no obligation. Pick a time that works, or call.