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West Chester Today
By the People, for the People
Planning Ahead: Navigating Continuing Care Retirement Community Decisions
Weighing the pros and cons of moving versus staying put in retirement
Published on Feb. 8, 2026
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As retirement approaches, many older adults face the decision of whether to move to a Continuing Care Retirement Community (CCRC) or remain in their current home. This article explores the key considerations, including the CCRC contract, timing, and financial implications, to help individuals make an informed choice.
Why it matters
The choice to move to a CCRC or stay in one's current home is a significant life decision that can impact an individual's quality of life, finances, and family relationships in retirement. Understanding the nuances of CCRC contracts and the pros and cons of each option is crucial for older adults to make the best decision for their unique circumstances.
The details
CCRCs have become more prevalent and complex in recent years, with a wide range of options for higher-income retirees. The process often begins with signing a waiting list and deposit, followed by a lengthy review of the CCRC contract, which can include provisions regarding entrance deposit refunds, additional fees, resident participation, and procedures for moving to higher levels of care. Staying in one's current home also requires careful consideration, as the emotional and logistical challenges of downsizing and uprooting can be daunting. Seeking legal and financial advice is recommended to navigate these important decisions.
- Many clients first sign onto a CCRC waiting list with a deposit and do not need to make a final decision until months or even years later.
- The decision to move or stay can be made at any time, but is often influenced by factors such as difficulty with stairs, excess space in the home, or a desire to be closer to family.
The players
Janet Colliton
A Certified Elder Law Attorney recognized by the American Bar Association and Pennsylvania Supreme Court, who limits her practice to elder law, estate planning, and retirement planning.
What they’re saying
“Choice matters. I have known clients and friends who reached the decision to move when it became too difficult to climb the stairs at home or when there was too much unused and unnecessary space.”
— Janet Colliton, Certified Elder Law Attorney (thereporteronline.com)
What’s next
Individuals considering a move to a CCRC should review the contract thoroughly, consult with a financial advisor, and weigh the pros and cons of moving versus staying in their current home to make the best decision for their unique circumstances.
The takeaway
Navigating the decision to move to a Continuing Care Retirement Community or remain in one's current home requires careful consideration of factors such as cost, amenities, health needs, and emotional impact. Seeking professional guidance can help older adults make an informed choice that aligns with their long-term goals and preferences.
