Austin, TX · 41 years of ownership
Tom and Janet Phillips
A 41-year Austin homeownership ends with a CCRC move — Tom and Janet chose an active-adult-with-care community after two decision weekends made the case for one-move rather than two-move planning.
“We didn’t want to move twice. That one sentence reshaped everything else.”
— Tom Phillips
Starting position
Tom (76) and Janet (74) Phillips, 41 years in South Austin. Tom had a recent cardiac event making multi-level stairs a concern. Three adult children, two locally.
The decision that changed things
Weekend 1 of the decision checklist surfaced ‘we don’t want to move twice.’ Weekend 2 focused on Austin CCRCs with Rachel Novak running financial due diligence on three.
Financial picture
Selected CCRC: $425K entrance fee (partially refundable), $5,200/month covering maintenance, meals, care continuum. Sold home at $890K. Net $760K funded the entrance fee with $335K remaining.
Move itself
41 years sorted with NASMM-credentialed move manager over 10 weeks. Estate sale produced $18K. Moved November 2026.
Outcome
Both report high satisfaction. ‘One more move, not two’ was the most important reframe.
Sold for: $890,000 · Advisor: Rachel Novak
Three minutes to clarity.
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