Not sure how to talk about money? Start with where things live before you need it.
Where the papers live, who handles the bills and who Mom would want making decisions if she ever couldn’t. Talk about it early, while it’s easy, and keep the answers in one place. Mom decides what’s shared, and passwords stay with her.
An illustrative example
Every family handles money differently. Use this as a starting point, and talk to a navigator about what fits your family. It’s free. We’re not financial or legal advisors, so check the details with Mom’s bank or lawyer.
Who’s this plan for?
Pick who’s at the centre and we’ll write this page around them.
Plan ahead now, decide together
Here’s what talking about money can look like in Pearl. Use these steps to start, share them with your Circle and change anything that doesn’t fit Mom.
Keep the people Mom trusts with money in one place
Save the bank, lawyer and planner Mom already trusts, see who your Circle uses or ask your Circle for a name. Here’s how it will work in The Market. The names below are examples.
The bank
The branch number and who to ask for, so nobody waits on hold guessing.
Wills and power of attorney
A lawyer Mom trusts to write her wishes down properly.
Financial planning
Someone to talk through income, savings and what help might cost.
Tax time
Someone to file Mom’s return each spring, right on the shared calendar.
Insurance
Home, car and travel policies, with the broker’s number in one place.
Help with bills
A bookkeeper who sorts the monthly bills, so her Circle can see it’s done.
A second set of eyes
Scam calls and odd emails are easier to spot together. Mom can send a quick “does this look right?” to someone she trusts.
Small jobs, shared out
Split the little things across the Circle: finding the will, calling the bank and setting up auto-pay. Nobody carries it all.
How to choose well
Questions we suggest asking any advisor before Mom says yes.
Everyone Mom counts on, in one Circle
Family, friends, local pros and the apps she already uses. Mom stays at the centre and decides who’s in. The names here are examples.
Not sure who to include? Start with our Circle builder.
Prompts for everyone from her bank to her dog walker, plus the things Mom wants to do. Free and about 10 minutes, with a list you can download to keep and share.
Build Mom’s CircleLess chasing, more living
Pearl keeps everyone in the loop so nobody has to hold it all in their head.
Ask for a hand
Post a request once. The right person says yes, and everyone sees it’s handled.
A daily check-in
Mom shares how she’s feeling in one tap, and the Circle can send a smile back.
One shared calendar
Appointments, routines and visits in one place, so nobody double-books.
Mom decides who sees what
Trusted Providers only see the steps they’re part of, nothing more.
Questions families ask
Something else on your mind? A navigator can talk it through with you.
No tech skills needed. Mom can check in with one tap, or let her Circle handle the details while she stays in charge of who is in and what they see.
Plans are coming to Pearl soon. Today you can build Mom’s Circle with our Circle builder and download your list, so everyone is ready when plans arrive.
Starting a Circle is free, and the person at the centre is always free. Plus is $15 CAD a month, with a 14-day free trial.
Only the people in the Circle, and only what Mom invites them to see. Trusted Providers see the steps they are part of. Passwords are never shared in Pearl unless she chooses.
Yes. A Pearl navigator can help you get started and find local help. It is free, with no account needed.
Plan ahead together. Everyone feels in control.
Start a free Circle around Mom, or talk to a navigator who can help you set it up.
More life events
Big changes and everyday ones. Each one starts with the people around you.
Coming home from the hospital
Rides, meals and who’s stopping by, planned together for the first two weeks.
When Mom won’t accept help
One open question, small offers and a plan Mom leads.
Planning to downsize
A calm plan for sorting, selling and settling in somewhere new.