Welcome to AgingOptions

A holistic elder care firm helping families plan for, pay for, and coordinate the long-term care of elderly loved ones.

Our services are geared towards retirees and those thinking about retirement and concerned about:

  • Losing independence & having to move to a nursing home.
  • Losing your assets to uncovered medical or long term care costs.
  • Becoming a burden on your loved ones.

AgingOptions Preferred Partners

Preferred Partner

The AgingOptions Preferred Partner Program is a localized network of professionals in the areas  of health, housing, finance and legal who are dedicated to the AgingOptions philosophy of providing an integrated approach to aging.

As a part of their training, our partners have made a commitment to providing services that recognizes the multi-disciplinary aspect of retirement planning.

What’s New

Mental Stimulation Won’t Cure Dementia, but it Brings Many Benefits

In spite of what many believe, researchers have shown that “brain games” and other mentally stimulating activities for seniors can’t stave off dementia, especially for those genetically predisposed. However, this recent article in the New York Times suggests that classes in brain fitness and other, similar activities are showing significant improvement in the quality of life for seniors who take part. In other words, whether or not these activities play a direct role in combatting dementia, it’s increasingly clear that they bring a wide range of other mental, physical and psychological benefits.


Clearing the Decks: 10 Ways to Help Your Parents Downsize

We’re revisiting a very helpful article we found some months ago on the website www.grandparents.com that addresses a potentially touchy issue many of our clients are facing: how to help aging parents downsize their home and lifestyle. From both an emotional and practical standpoint this could be one of the most difficult things an adult child will ever do. That’s because this process of downsizing almost always involves going through and getting rid of decades’ worth of accumulated memories. And emotionally the process goes much deeper: the aging parents must face the facts of their own aging, and make tough decisions that are too often and too easily put off.


Long-Running Retirement Study Finds Confidence Up, Readiness Down

Because we’re in the profession of preparing clients for retirement, we’re always interested in research that sheds light on how Americans are thinking about (and planning for) their senior years. The longest-running survey of its kind in this field, called the Retirement Confidence Survey, is put out by the Employee Benefit Research Institute (EBRI). We just finished scanning the most recent results and while there is some improvement in the attitudes American workers have toward retirement, there continues to be (in our view) a serious lack of preparation.


Senior Perspective: What Seniors Wish Youngsters Knew about Money

Have you ever played the mental game that starts out, “If only I knew then what I know now”? We suspect most if not all of us have looked back on various stages of our lives and said, “If only.” Whether it’s the jobs we took, the places we lived or the money we failed to save, as we get older, there are probably many things we wish we had known back then.

That’s why this article on the US News website caught our eye. It contains ten specific pieces of advice seniors would like to be able to tell younger people about finances. The subtitle says it all: “Here’s what seniors think younger generations should know about retirement.” We share this with you for two reasons: first, if you’re several years away from retirement, this information will prove helpful; and second, for those closer to (or already in) retirement, this article may encourage you to pass along some of your hard-earned wisdom to your children, grandchildren or younger acquaintances (if you can get them to listen, that is.)


Today’s Workplace Remains Unkind to Older Workers, says CNBC

“For older workers, getting a new job is a crapshoot.” That’s the sobering title of a recent article on the CNBC website. The article paints a bleak picture of the employment prospects for seniors, stating that the problem of getting fired (or never getting hired) just for being old “is a problem that’s only going to get worse.”

You can access the just-published CNBC article by clicking here. We suggest you consider the implications of this report, since it may have direct impact on your plans for retirement. Surveys show an increasing number of seniors (as many as two-thirds, say some studies) plan to keep working past the age of 65 – but what if the jobs they hope to get or retain simply aren’t available? The financial impact could be severe.


What can be Worse for your Heart than Obesity or Smoking? Loneliness!

Many have suggested that social isolation and loneliness can be harmful to our health, especially as we get older. Now we have scientific proof that loneliness is indeed a potential killer. In fact, when it comes to the health of your heart, living a life of loneliness can actually be worse for you than smoking, obesity or lack of exercise.

This provocative idea was put forth in a recent article we found on the website NextAvenue.org. The article is called “What Loneliness is Doing to Your Heart,” and we encourage you to click here to read it. This knowledge could help save the life of someone you care about.


Medicare Advantage Plans Save You Money, but Limit Your Choices

If you’re presently enrolled in Medicare, or are planning to enroll soon, you’ll be interested in this just-published article we found on the website of the news service Reuters. This article will provide helpful food for thought for those trying to choose between traditional Medicare and Medicare Advantage plans. As with many similar decisions, buyers face a trade-off: pay higher rates for more choice, or save money but find your medical options limited.

The gist of the article is that, while Medicare Advantage plans are growing rapidly in popularity, policy holders of these popular plans may find themselves unable to use some of the best medical care providers in their locales. That’s because Medicare Advantage plans are basically HMOs (health maintenance organizations) or PPOs (preferred provider organizations) offered by private insurance companies. Medicare Advantage plans generally save money compared with traditional Medicare by limiting policy holder’s choices to the doctors and service providers on their approved list.


A Rude Awakening for Boomers: Odds Are You’ll Retire with Debt

Are you a baby boomer beginning to look seriously at retirement? If you are, you’re certainly not alone: there are tens of millions of you out there! Your retirement years can indeed be a joy (our goal here at AgingOptions is to help make sure of that). However, you need to be careful and plan well in order to ensure that your retirement dreams match your eventual reality. As a bit of a wake-up call, we just found a brief but sobering article on the financial website Market Watch. It reminds boomers that there’s a good likelihood their retirement won’t be quite as stress-free as they had hoped. The one-word reason: debt.


Finding Safer Ways to Keep Alzheimer’s Patients Physically Active

If you (or someone you’re close to) have a loved one with Alzheimer’s disease, you’re probably familiar with the constant fear that the person with dementia will wander away from home. It seems as if every few months the local news carries a story about a senior man or woman who has gone missing from a senior living facility or personal residence. Often these stories end happily – but not always. How do you ensure that the one you love is safe, but not sedentary?

This recent article from US News provides some helpful information on how to keep someone with dementia physically active and safe at the same time. As the article suggests, walking is one of the healthiest things a senior (or any person, for that matter) can do – but when walking turns into wandering, the person with impaired mental capacity is at high risk from weather, traffic, hazardous and unfamiliar terrain, and strangers with evil intent. The key is to channel that need for physical exercise into activities that are physically healthy and mentally distracting.


Study Shows Today’s Retirees are Confident – but Not Well-Prepared

Some of the nation’s largest insurance companies have gotten into the retirement research arena in a big way. Among the firms coming out regularly with research reports about aging and retirement are familiar names like MetLife and long-term care firm Genworth. Recently we found this comprehensive study, the first of its kind from the insurance giant Transamerica.

Before you click on the link and download the report, titled “The Current State of Retirement: a Compendium of Findings about American Retirees,” you should know that it’s long – a total of well over 100 pages. What caught our eye in this study, published only a few months ago, was summarized in the introduction, which cited ten important facts about today’s retirees. We’ll highlight a few of those observations here, but in short the picture is one of upbeat optimism masking a surprising lack of adequate preparation.