When researching a Continuing Care Retirement Community (CCRC) — also known as a Life Plan Community — most people focus on lifestyle, amenities, and location.
But one of the most important factors is often overlooked: financial strength.
Organizations like the National Investment Center for Seniors Housing & Care (NIC) and AARP emphasize that a community’s financial health is critical to its ability to deliver care, maintain services, and remain stable over time.
At Emerald Heights, we believe in full transparency. We openly share our audited financials with every prospective resident. View our financial disclosures →
Why Financial Strength Matters
A Life Plan Community is a long-term commitment. Unlike rental senior living, it is designed to support you across multiple levels of care — often for decades.
That means the organization behind it must be financially stable, well-managed, and built for long-term sustainability. According to MyLifeSite, evaluating financial strength is one of the most important steps in choosing the right community.
5 Key Financial Indicators to Look For
Use these benchmarks to evaluate any CCRC or Life Plan Community you’re considering.
Indicator One
Strong Net Assets & Balance Sheet
A strong balance sheet is the foundation of long-term stability. Look for high net assets relative to total assets — a signal that the community has built financial reserves over time.
~$367MTotal assets at Emerald Heights
~$115MNet assets — a solid foundation
This reflects a community built to endure and grow, not just operate year-to-year.
Indicator Two
Positive Operating Performance
A healthy community generates more revenue than it spends. Consistent operating income enables reinvestment in staff, services, and facilities.
$51M+Annual revenue
$12M+Operating income
Positive operating income supports long-term planning and service quality.
Indicator Three
Strong Cash Flow & Liquidity
Cash flow ensures smooth day-to-day operations and the flexibility to handle unexpected needs or opportunities.
~$28MOperating cash flow
$120M+Available financial assets
High liquidity allows Emerald Heights to meet obligations and invest with confidence.
Indicator Four
Ongoing Investment in the Community
Financially strong CCRCs don’t stand still — they reinvest in their campus, infrastructure, and resident experience continuously.
$215M+Property & infrastructure invested
ActiveExpansion & modernization underway
Continued investment reflects a commitment to residents today — and those who will join in the future.
Indicator Five
A Sustainable Life Care Model
Life Plan Communities use a unique financial structure. Understanding it protects you and signals a well-managed organization.
- Entrance fees support long-term care commitments
- Revenue is recognized over time to match future services
- Refundable contracts are backed by designated reserves
This creates cost predictability for residents and financial sustainability for the organization.
What This Means for You
Financial strength is not just about numbers on a page. It directly shapes your daily experience and your long-term peace of mind.
✓Care available when and where you need it
✓Stable and predictable monthly costs
✓Continued investment in your campus & services
✓Confidence built on a transparent, mission-driven model
As AARP highlights, understanding a community’s financial health is essential when evaluating a CCRC — and it’s a question every prospective resident deserves a clear answer to.
Transparency You Can Trust
We encourage every prospective resident to review our financial disclosures, ask questions, and understand how our model works. Because this decision isn’t just about today — it’s about your future.
