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

Mentally Stimulating, People-Oriented Work May Slow Alzheimer’s

The link between mental stimulation and the prevention of Alzheimer’s disease has been debated for years. Conflicting studies seem to produce uncertain outcomes, with some claiming that keeping the brain active can inhibit the progression of dementia while others deny any connection.

Now a new study from Alzheimer’s researchers at the University of Wisconsin suggests that there is indeed a positive link. This study appears to demonstrate that “brain-challenging jobs –especially ones focused on people – may help shield a person’s mind against the ravages of age-related dementia.” We found this important article on a website called Healthday, and you can click here to read it.

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Some Experts Ask, “Should You Really Wait to Claim Social Security?”

On the CNN financial website this week (money.cnn.com), we found an interesting article that asks a provocative question: “Is 70 Too Late to Claim Social Security?” This question sounds almost heretical, since most experts advise people to wait as long as they can (ideally until 70) before starting their benefits, but as the article points out that actually might not be the best strategy for every retiree.

You can click here to read the CNN article. It was written for CNN by the financial experts at the popular website Motley Fool. We present it here merely as food for thought. As with any financial advice of this magnitude, we urge you not to take action until you’ve carefully reviewed your options with a professional planner. You can contact us here at AgingOptions any time to discuss Social Security strategies along with any other retirement-related questions.

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High Net Worth Estates Demand Special Care in Estate Planning

Here at AgingOptions we firmly believe that retirement planning is essential for just about everyone, no matter how modest your estate might be. That’s why in our seminars and on our radio programs we place such emphasis on LifePlanning – our unique, comprehensive approach to creating a retirement plan that’s just right for you. A LifePlan is the ideal blueprint to help the majority of retirees ensure that their legal affairs are in order, their health insurance is in place, their housing choices are clear, their financial plan is solid, and their family is well-informed of their wishes.

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Reverse Mortgage Can Help Seniors Afford to Age in Place

We just discovered a pair of related articles on an industry website called Reverse Mortgage Daily that help shed light on what many believe will be an upcoming explosion in Home Equity Conversion Loans, or HECM’s – the technical term for reverse mortgages. These articles could provide you with food for thought if you’re a qualified homeowner considering how a reverse mortgage could help make it possible for you to stay in your home in your future years, a choice called “aging in place.”

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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.

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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.

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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.

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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.)

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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.

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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.

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