For many North Carolina families, the home is more than just a roof over their heads. It’s the place where generations have gathered for holidays, where children took their first steps, and where stories have been passed down over the years. It’s no wonder that one of the greatest fears families express when facing long-term care decisions is losing that home to nursing home costs. In my work with families across the state, this is a concern I hear often; and it’s a valid one. Without proper planning, the family home may be at risk. But with the right legal strategies in place, it doesn’t have to be.

As our parents age, the roles begin to shift. The people who once guided and protected us may start needing our help. This is especially when it comes to legal and financial matters. But knowing when to step in isn’t always obvious. Are they just having a forgetful week, or is it the beginning of something more serious? Is it respectful to bring up legal planning, or is it crossing a line?

These questions haunt many adult children in North Carolina. If you’re noticing changes in your parent’s behavior, health, or ability to manage daily responsibilities, it may be time to take a closer look. Early legal intervention can preserve dignity, protect assets, and prevent painful court battles. Let’s explore five clear signs it’s time to step in; and how the right legal planning can make all the difference.