Our team displays commitment and expertise to best support you and your loved ones. With decades of knowledge and experience, SOS experts will help you gracefully tackle life's difficult and unique transitions.

Real People Helping in Real Ways

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ERNIE CASTRO, American Advisors Group

Ernie Castro has spent the last 11 years of his career originating reverse mortgage loans in the DC Metro area. His expertise, understanding, and ability to work through complex problems has helped him close nearly 400 loans. For the past 30 years, Ernie and his wife Marjorie have lived in Oakton, Virginia. They have three adult children living and working in the area. 

“I have never left the closing table of a reverse mortgage without the feeling that we have accomplished the right solution for my clients." - Ernie Castro


TOM SHIPE, Senior real estate specialist (SRES)

Tom Shipe came to real estate from a career in the corporate world and service in the Air Force. He has built a top producing real estate business here in Northern Virginia over the last 15 years, which has included management roles at Long & Foster as the need arose. Tom recently returned to the classroom to gain his senior real estate specialist (SRES) certificate and now spends much of his time serving senior’s in downsizing, relocation and Aging In Place.

Senior Real Estate Specialist (SRES)
Visit TomShipe.com for more details
Long & Foster, Realtors
1355 Beverly Rd. Suite 109
Mclean, VA 22101

Cell: (703) 946-4844
Office: (703) 790-1990


Matrona Busch, Certified Senior Advisor

Growing up near Pittsburgh, Certified Senior Advisor Matrona Busch learned the value of helpful neighbors and friends at an early age. She went on to graduate from Penn State University, relocated to the Fairfax area, and enjoyed a successful career in telecommunications for almost 30 years. As she began the search for her second career, she explored opportunities where she could make a difference in people’s lives and truly help others. That was exactly how she landed on senior advising services. 


Mike McCarthy, MACCO Remodeling and Restoration

As a younger man, owner Mike McCarthy watched his father, a New York fireman, suffer through diminished physical capabilities, as well as mobility issues. For several years, Mike experienced physical challenges caused by deteriorating knees. During recovery from bilateral knee replacement surgery, Mike encountered many individuals in physical therapy learning how to make life style adjustments due to injuries that restricted their mobility. These experiences motivated Mike to add a focus to the business to enable people to stay safely in their homes for as long as they desire. 


Ellen Hughes, owner, Assisting hands home care

Ellen has lived and worked in Northern Virginia for over 40 years.  She started Assisting Hands Home Care in Reston, VA out of a desire to offer personalized in home care services to support the elderly, disabled, post surgical and other clients needing assistance with their activities of daily living. Assisting Hands supports an individuals choice and preference to be in their own home in order to maintain their dignity and independence.  All of her caregivers are employees of the company and are licensed, bonded, insured and background checked.  She services the Northern Virginia area with specific focus on Fairfax County.

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Andrea Olson, Certified Residential Design Consultant, Window Fashions Professional, and Aging-in-Place Specialist

Floor to Ceiling Interiors is a full-service interior design consultant and decorating company. Andrea Olsen, a Fairfax, Virginia resident and native Northern Virginian, is one of the DC area’s premier interior decorators. Andrea has been expressing her passion for people and interior decorating for over 30 years. Her philosophy has always been to work with her clients to achieve the vision they have for the project. As a testament to her extensive work, Andrea was voted ‘Best Interior Designer’ by Northern Virginia Magazine as well as ‘Best Decorator’ by I AM Modern Magazine. Andrea is also one of the few Certified Aging-in-Place Specialists, who assist the retiring population in residential remodeling and home modifications for aging in the home. She works with contractors to remodel kitchens, bathrooms, and other areas of the home based on the client’s needs.

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Peggy H. Montgomery, CFP®, CRPC®, Vice President, The Group AG, Merrill Lynch, Pierce, Fenner & Smith Inc.

The Group AG

Vice President

Wealth Management Advisor

Portfolio Manager

Merrill Lynch, Pierce, Fenner & Smith Inc.

1152 15th St. NW, Suite 6000 Washington DC 20005

202-659-6071 office


Sherry has enjoyed the past 7 years coordinating “A Better Way to Care” for seniors in the Northern Virginia area. As an Area Manager for Encompass Health – Home Health, Sherry has the opportunity to work alongside Independent Living, Assisted Living and Memory Care Communities to ensure that seniors receive the Skilled Home Health services needed to prevent falls, manage medications, and attain their optimal level of well-being through skilled nursing and therapy services. Sherry and the home health clinicians will also educate families and their caregivers on concerns about their loved one’s health. As a Certified Dementia Specialist, Sherry facilitates Encompass Health’s Memory Care Program for families needing dementia and Alzheimer’s assistance. Her goal is to keep seniors safe, happy and healthy in their homes.